Search found 353 matches

by vectorizer
Sat Apr 28, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: Hotel rewards programs
Replies: 45
Views: 4218

Re: Hotel rewards programs

I travel by car a fair amount on my own dime enjoying mobile ham radio and visiting family. I look first for Holiday Inn Express because they tend to be a good value for money, newer properties, day-of cancellations allowed*, and free breakfast helps too. So I picked a hotel chain not a hotel progra...
by vectorizer
Tue Apr 10, 2018 6:45 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 14756

Re: What is your AA, given your age? and, Why?

I am a few days from age 60, retired a little over a year, and am currently 50:50. I was on a 2-percentage-point glide to 50:50 since my mid-40s, and intend to be on a 1-percentage-point glide until 20:80 at age 90. (Not that I expect to even come close to 90yo.) I guess I'm now on a 110-minus-age g...
by vectorizer
Mon Apr 02, 2018 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: How did you file your income taxes?
Replies: 77
Views: 6072

Re: How did you file your income taxes?

TurboTax Deluxe, purchased and downloaded from Amazon. I've been using TurboTax since back in the DOS days, except one year when they were particularly scummy with anti-piracy technology (by writing to the boot sector, for you fellow geeks). Still disappointed that Vanguard doesn't provide it for fr...
by vectorizer
Thu Mar 22, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: Building a bridge to Social Security: When to start?
Replies: 34
Views: 4560

Re: Building a bridge to Social Security: When to start?

FWIW, here's what I did. I make no claims that it's smart or good for you. Years before retirement, after a lot of reading and thinking, I became a lot more comfortable with deciding to retire a little early by breaking it up into two periods: the "forever" period after claiming SS at 70, and the bo...
by vectorizer
Wed Mar 07, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE UPDATE 9-3-18
Replies: 116
Views: 29547

Re: 2018 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Missing out on this again is just one of my rewards for volunteering at a free tax filing center last night. :annoyed

x
by vectorizer
Sun Jan 14, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 188
Views: 24530

Re: Anyone disenchanted with retirement?

Retired at 58 because I could when I ran the numbers, that was 2.5 years ago.....work is sooooo over rated...lol Do not know how I would fit work into the schedule! Me too, except started 1 year ago. One thing I was well aware of before retiring was that the happiest retirees consistently have a pa...
by vectorizer
Tue Jan 09, 2018 9:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 234
Views: 44268

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

Thank you thread ... I had fallen asleep on monitoring Prime MM, would not have noticed for a while that it beats Ally online savings (where I am now). Moving back into Prime MM will make cash management easier especially as we transition from working to retirement (from saving to distribution).
by vectorizer
Sat Dec 23, 2017 12:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: @@Happy Holidays Bogleheads. How others here helped you?
Replies: 49
Views: 5016

Re: Happy Holidays Bogleheads. How others here helped you?

Good timing. I retired almost a full year ago, and here's what I wrote at that time: >>>>> I've been a member of this forum for almost 10 years, and for several years before that at the precursor Morningstar group. A frequent reader but a rare poster, I've learned a lot from the group. More than any...
by vectorizer
Mon Aug 21, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 20587

Re: How far would you travel to see The Eclipse?

It was hot and hazy in Santee SC, and some clouds were rolling about, but we were lucky to see the entire eclipse ex. the last half hour of partial. It's about 10 hours drive here from home in Philly area. To reiterate what others wrote, there is no comparison to the thrilling magic of seeing totali...
by vectorizer
Fri Aug 18, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 6338

Re: Powerball - $510 million?

Funny to see this thread this morning ... I have in front of me 4 just-found Powerball tickets from 2016, so they've expired. I am proud to have resisted the temptation to lookup the numbers. So, no, I absolutely will not be buying a ticket for Saturday. :-)
by vectorizer
Thu Aug 17, 2017 4:10 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 33649

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Please add me to the wait list.

[Forgot that I qualify for the first time this year, having retired from Vanguard at the end of last year.]
by vectorizer
Wed Aug 16, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 20587

Re: How far would you travel to see The Eclipse?

We are driving about 12 hours from the Philly area to SC, with two days in a hotel room, all for 2 minutes of totality. "Totally" worth it.
by vectorizer
Thu Apr 20, 2017 11:22 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 50662

Re: Larry Swedroe says "Goodby."

Thanks for all your contributions here Larry, a have learned a lot from your articles and the discussions here on the board. Sorry you felt you had to leave. Hopefully others will at least post links to your future articles.
by vectorizer
Mon Apr 17, 2017 9:31 am
Forum: Investing - Help with Personal Investments
Topic: 2017 backdoor roth: mistake? how to fix?
Replies: 2
Views: 551

Re: 2017 backdoor roth: mistake? how to fix?

Yes, you could certainly do that - recharacterize the conversion and then recharacterize the TIRA contribution as a Roth regular contribution. You will end up as if you made a regular Roth contribution in the first place. Of course, it will involve some tax filing work with explanatory statements o...
by vectorizer
Sun Apr 16, 2017 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: 2017 backdoor roth: mistake? how to fix?
Replies: 2
Views: 551

2017 backdoor roth: mistake? how to fix?

Hello Bogleheads, long time since I asked a question in a new topic. I'm newly retired this year, thanks in part to the great advice I've read here. About 5 years ago, I converted everything in my TIRA to my Roth, and have been making max "backdoor Roth" contributions early each year since then (con...
by vectorizer
Sun Mar 19, 2017 8:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 440
Views: 49414

Re: Your USER NAME...what does it mean?

<geek> In my transition from engineering to programming, my first big assignment was to augment a Fortran compiler to discover DO loops in source code that could be implemented as a single vector op codes, rather than a set of scalar op codes with test and branch op codes. That process was called "v...
by vectorizer
Fri Jan 27, 2017 2:24 pm
Forum: Investing - Theory, News & General
Topic: retirement thanks
Replies: 12
Views: 1851

Re: retirement thanks

2015 wrote: I for one deeply appreciate the contribution you've made in protecting my assets held with Vanguard.
Thank you, that's nice of you to say.
by vectorizer
Fri Jan 27, 2017 2:24 pm
Forum: Investing - Theory, News & General
Topic: retirement thanks
Replies: 12
Views: 1851

Re: retirement thanks

Now that you are a civilian, what do you recommend for consumers' best practices for internet security regarding connecting to financial systems? Nothing you haven't heard before, this is just off the top of my head: Sign up for email or text message notification of transactions Check your account ...
by vectorizer
Fri Jan 27, 2017 10:57 am
Forum: Investing - Theory, News & General
Topic: retirement thanks
Replies: 12
Views: 1851

Re: retirement thanks

k66 wrote:You said that you retired from Vanguard though?
Yes, I worked at Vanguard for almost 20 years, mostly web site security. Had to bite my lip quite a few times when comments were made here about Vanguard security.
by vectorizer
Fri Jan 27, 2017 9:15 am
Forum: Investing - Theory, News & General
Topic: retirement thanks
Replies: 12
Views: 1851

retirement thanks

I've been a member of this forum for almost 10 years, and for several years before that at the precursor Morningstar group. A frequent reader but a rare poster, I've learned a lot from the group. More than any one particular subject, this community has been most valuable to me to reinforce the gener...
by vectorizer
Wed Jan 25, 2017 9:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 14285

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy birthday Taylor! Thank you for everything you've done for the group.
by vectorizer
Thu Oct 06, 2016 2:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hurricane Matthew
Replies: 61
Views: 8719

Re: Hurricane Matthew

We will be praying for your safety and for all Floridians threatened by this storm.
by vectorizer
Mon Aug 22, 2016 9:02 am
Forum: Personal Consumer Issues
Topic: Tips for a 1000 miles car trip with toddler and baby
Replies: 100
Views: 7028

Re: Tips for a 1000 miles car trip with toddler and baby

I'm also surprised at the amount of negativity in many of the responses here. Obviously it all depends on your kids for what works and what doesn't, and a lot of that is just whether you're lucky to have kids with good dispositions. You won't really know for sure till you make the trip, and you'll p...
by vectorizer
Thu Jun 23, 2016 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Should I express my inheritence thoughts to my father?
Replies: 78
Views: 7835

Re: Should I express my inheritence thoughts to my father?

[Naked link removed by moderator prudent]
by vectorizer
Tue May 31, 2016 2:39 pm
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 14099

Re: Would you pay 6x face value to see Hamilton on Broadway?

gasman wrote: I did in fact pay up to see Hamilton six month ago on a trip to NY. only paid about $450 per ticket on a Tuesday night.
In retrospect, was it worth it?
by vectorizer
Tue May 31, 2016 2:36 pm
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 14099

Re: Would you pay 6x face value to see Hamilton on Broadway?

No, that's way way over my spend limit. Hamilton has gone into brag-to-your-friends territory; I'm sure there are people going who don't give a darn about seeing any Broadway musical and are just going for the "prestige". The biggest premium I've paid was about 60% over face, for the original cast o...
by vectorizer
Thu Apr 21, 2016 2:30 pm
Forum: Personal Consumer Issues
Topic: How To Stay Motivated in Employment When You Might Have Enough?
Replies: 71
Views: 11346

Re: How To Stay Motivated in Employment When You Might Have Enough?

If you have---or you think that you have---enough (whatever that amount may be), how do you stay motivated to keep working? Or should you even keep working? I ask because I've recently been experiencing serious motivational problems. In short, as I see our net worth increase, my desire to get up in...
by vectorizer
Thu Apr 07, 2016 9:07 am
Forum: Personal Finance (Not Investing)
Topic: what are the implications of claiming my significant other as a dependent?
Replies: 34
Views: 3340

Re: what are the implications of claiming my significant other as a dependent?

I searched the FAFSA form and there doesn't seem to be anything about a student being claimed or not claimed as a dependent. Everything is geared towards the student and the student's parents. I could have missed something, but I don't think so. FASFA indeed doesn't care what the dependent claiming...
by vectorizer
Tue Mar 29, 2016 7:11 am
Forum: Personal Finance (Not Investing)
Topic: What is your current Cash to Investment ratio?
Replies: 112
Views: 9621

Re: What is your current Cash to Investment ratio?

0:100, to 3 significant digits
by vectorizer
Wed Jan 27, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: Best Netflix/YouTube interface for the Big Screen?
Replies: 44
Views: 3616

Re: Best Netflix/YouTube interface for the Big Screen?

Originally got the PlayStation 3 in 2007 because it was the best value Bluray disc player available at the time; the gaming console part was a "free" bonus. As the platform evolved, we use Netflix, Amazon, and VUDU streaming apps from the PS3, and their interfaces are fine as well as having good pic...
by vectorizer
Tue Jan 26, 2016 8:54 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor!
Replies: 87
Views: 7571

Re: Happy Birthday Taylor!

Happy Birthday Taylor!
by vectorizer
Mon Jan 25, 2016 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Most anticipated retirement purchase
Replies: 107
Views: 10295

Re: Most anticipated retirement purchase

Miriam2 wrote:T I M E -

{...
11 items
...}

I could go on and on - but you get the picture! This is my most anticipated retirement "purchase." :happy
Geez, Miriam, I know I shouldn't be reading Bogleheads at work, but it's even worse when my eyes get watery. :happy
Nice list.
by vectorizer
Thu Jan 07, 2016 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Savings % Target 2016?
Replies: 168
Views: 14315

Re: Savings % Target 2016?

If I retire, 0%
by vectorizer
Mon Jan 04, 2016 2:09 pm
Forum: Personal Consumer Issues
Topic: How do you have fun?
Replies: 73
Views: 7372

Re: How do you have fun?

Amateur radio. I started two years ago, after putting it on hold for 40 years. Lots of different ways to enjoy the hobby.

And it's a good offset to all your healthy physical hobbies. :-)
by vectorizer
Thu Dec 10, 2015 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone else freaked out about the whistleblower cases against Vanguard?
Replies: 11
Views: 2547

Re: Is anyone else freaked out about the whistleblower cases against Vanguard?

See very long thread here:
viewtopic.php?t=143686

Also the Fortune article writer doesn't seem to understand that the recently-dismissed lawsuit in NY was the whistleblower lawsuit in question, not "similar".
by vectorizer
Thu Dec 10, 2015 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Paychex 401k with Fidelity, wanting to end Paychex service
Replies: 9
Views: 4087

Re: Paychex 401k with Fidelity, wanting to end Paychex service

Since this is a Vanguard-oriented forum, here's the Vanguard small plan offering, though I don't know if it's really a substitute for the Paychex service:

Vanguard small defined contribution plans
by vectorizer
Wed Nov 18, 2015 5:23 pm
Forum: Personal Consumer Issues
Topic: NYC in early December
Replies: 29
Views: 4698

Re: NYC in early December

JCP7 wrote:Hotels that friends or relatives have stayed in:
Park79 http://www.park79hotel.com Right near the Museum of Natural History and Central Park, close to two subway lines
At $500 /night, not sure that qualifies as a lower priced hotel for most of us who are not Manhattanites. :?
by vectorizer
Wed Nov 18, 2015 2:26 pm
Forum: Personal Consumer Issues
Topic: NYC in early December
Replies: 29
Views: 4698

Re: NYC in early December

There is no lower priced decent hotel in Manhattan. Our family of 5 made a habit to stay in one of the suite hotel chains in the Harmon Meadow development near Secaucus NJ. There's a nice bus that loops around the area and drops off at the Port Authority Bus Terminal in midtown, a couple blocks from...
by vectorizer
Wed Nov 18, 2015 1:47 pm
Forum: Personal Consumer Issues
Topic: Are Subarus reliable?
Replies: 81
Views: 22814

Re: Are Subarus reliable?

Not mine. 2007 Legacy GT. Subarus have a very good reputation, but mine has been bad, both in and out of warrantee.
by vectorizer
Tue Nov 17, 2015 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: College expenses, 529 accounts and college loans
Replies: 18
Views: 1451

Re: College expenses, 529 accounts and college loans

TimeToThink wrote:Thanks vectorizer! I'm inclined to think my "scheme" is not worth pursuing, but I'll give it the old college try..haha..and crunch some numbers when the time nears for college.
I didn't mean "scheme" as a pejorative. I use the term for some of my own semi-clever financial moves.
by vectorizer
Tue Nov 17, 2015 11:52 am
Forum: Personal Finance (Not Investing)
Topic: College expenses, 529 accounts and college loans
Replies: 18
Views: 1451

Re: College expenses, 529 accounts and college loans

If I could get a loan and do a qualified 529 withdrawal in the same year and can get away with investing the loan money, say in a fixed instrument then that loan money will be accruing interest over time. It'll be like a 0% loan if the loan's interest does not begin accruing until after graduation ...
by vectorizer
Tue Nov 17, 2015 9:49 am
Forum: Personal Finance (Not Investing)
Topic: College expenses, 529 accounts and college loans
Replies: 18
Views: 1451

Re: College expenses, 529 accounts and college loans

To get the 529 tax benefits, you can only offset 529 withdrawals with college expenses incurred in the same tax year as the withdrawal. Paying off a college loan in some other year cannot be used for a qualified 529 withdrawal. OTOH, loans don't "count" as an offset to college expenses for 529 purpo...
by vectorizer
Mon Nov 02, 2015 10:47 am
Forum: Investing - Help with Personal Investments
Topic: I-Savings Bonds
Replies: 53
Views: 8509

Re: I-Savings Bonds

How often do you purchase I-Savings Bonds? Also, what is your primary use for them? I.e. - extended emergency fund, bond allocation, etc. Once a month at end of month, automatic $1500 via TD. Six months to my account, then six months to my wife's account. We put an extra $1000 each in on the month ...
by vectorizer
Fri Oct 09, 2015 9:04 am
Forum: Personal Finance (Not Investing)
Topic: misusing 529 plan
Replies: 19
Views: 2631

Re: misusing 529 plan

We got CP2000 forms from the IRS twice in regard to 529 withdrawals. (CP2000 is a proposed change to taxes owed based on a discrepancy between what's reported on a taxpayer's return and what the IRS has on file.) When I surveyed online forums, it seems to be fairly common for 529 owners to be questi...
by vectorizer
Thu Oct 01, 2015 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Buying a bank owned house, how to do it?
Replies: 4
Views: 661

Re: Buying a bank owned house, how to do it?

The bank made it be known that that the house was sold "as-is" and that it wouldn't make any concessions (monetarily or other wise) to anything found during the inspection. In my initial purchase agreement, my offer was contingent upon the house passing my inspection (with the full knowledge that a...
by vectorizer
Mon Aug 31, 2015 7:46 am
Forum: Personal Finance (Not Investing)
Topic: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]
Replies: 105
Views: 18014

Re: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]

GnuCash is my backup plan. A few years ago when I was annoyed at Quicken, I tried to convert. After seeing that it wasn't trivial (the Quicken transactions imported fine but the GnuCash double-entry bookkeeping meant I had to think about adjustments and catch-all accounts), I went back to Quicken. B...
by vectorizer
Mon Jul 27, 2015 3:00 pm
Forum: Personal Consumer Issues
Topic: Zion, Bryce, Grand Canyon Late March
Replies: 34
Views: 3653

Re: Zions, Bryce, Grand Canyon Late March

We did almost exactly that plan two years ago, with 2 old folks (me and DW) and 4 kids & young adults, only in reverse. Used a Globus Tours family package tour, so Globus did all the planning and driving. That way Dad got to enjoy himself and not have to be the bad guy forcing the family to stick to...
by vectorizer
Thu Jun 25, 2015 12:04 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 42856

Re: What ratio are you stocks/bonds and how old are you?

57 YO, 56/44 in January after rebalance.

For the last 8 years or so, been getting 2 points more conservative per year, then at 60 (50/50) plan to get 1 point more conservative per year.
by vectorizer
Tue Jun 02, 2015 12:02 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 533
Views: 80351

Re: Free Windows 10 Upgrade, Yes or No?

Oh great! I have 492 CDs ripped lossless in my Windows Media Center. Hope I can find a good replacement, as I use WMC to stream music around the casa. Consider converting to open codec FLAC that's not subject to the whims of Microsoft (or Apple). I use dbPowerAmp for conversions and ripping, but th...
by vectorizer
Wed May 20, 2015 7:55 am
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 25261

Re: How much does social security factor into your retirement income?

My plan is to self-fund retirement until 70 (for about 10 years, starting 3 years from now) using a bond ladder purchased at retirement, and then take the SS benefit at 70 as well as annuitize a significant portion of my remaining nest egg. The estimated SS payment starting at 70 should be a comfort...