Search found 890 matches

by arthurdawg
Thu Jul 20, 2017 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Advice about bond funds in a taxable account
Replies: 9
Views: 754

Re: Advice about bond funds in a taxable account

If you are in a high tax bracket (TB), say 33% (but don't forget NIIT etc) you can calculate the equivalent "taxable return" of a tax exempt bond/fund by dividing its return by (1-TB). In AZ you may also be able to adjust this formula by the percentage of AZ obligations held by a national tax exemp...
by arthurdawg
Sat Jul 15, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Apple iMac problem?
Replies: 49
Views: 3444

Re: Apple iMac problem?

I have a pair of mac book pro laptops from 2010. About 2015 or so (? 2014) they began to develop more issues with slow downs and the beachball of great irritation. My IT guys at work (a great resource I'm blessed with) changed out the HDDs to SSDs and increased the RAM to max amount (16 GB I believe...
by arthurdawg
Mon Jul 03, 2017 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 529 College Savings Plan from Nevada
Replies: 7
Views: 576

Re: Vanguard 529 College Savings Plan from Nevada

I've used the 529 plan at vanguard for almost 10 years. Very convenient and solid product. It certainly behoove one to see what the state plan offers. Big question: does the state income tax exemption override potentially crappy fund selections. I avoided the Alabama PACT plan back in the day. This ...
by arthurdawg
Thu Jun 22, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 4264

Re: which IPAD?

just wanted to point out that you may be able to get deals at places like BJs or Costco. If you are ok with a refurbished model, you could check out the Apple website. If money is not an object, then get the latest and greatest model. Good long thread... to add my 2 cents - I've bought multiple ref...
by arthurdawg
Mon Jun 19, 2017 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 21279

Re: Siblings in disagreement over mom's house.

Ugh... this thread hits close to home. My father has a huge rural property that he bought and improved over the past 35 years... I now live almost 2 hours away and it simply isn't feasible for me to maintain it (he's now in his late 70s and has a number of health problems). My brother isn't a bad pe...
by arthurdawg
Sun Jun 11, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 576
Views: 154516

Re: Share your net worth progression

2008: -50k accounting for med school debt. 2017: 2.9 mln. 40 yo. Blood money tho. Been painful to earn every cent. Certainly don't feel rich. Don't think I ever will. Hoping to go to half time work in 10 yrs. Dunno when I can fully retire. Or if I really want to. At what number can one stop worryin...
by arthurdawg
Sun Jun 11, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: Vue/Sling tv users--what do you miss?
Replies: 43
Views: 3294

Re: Vue/Sling tv users--what do you miss?

Nothing... I have Sling and only use it for college football and to catch Doctor Who...

I just don't watch much television anymore. We do get 18 digital channels on our on air stations, including the big four and PBS, so that makes it much easier for us to cut the cord.
by arthurdawg
Mon Jun 05, 2017 4:06 pm
Forum: Investing - Theory, News & General
Topic: "Why Your Investment Strategy Should Fit on an Index Card"
Replies: 17
Views: 3622

Re: "Why Your Investment Strategy Should Fit on an Index Card"

Investment strategy on post card - yes Tax strategy on post card - not a chance The two are not unrelated Hah! It's both good and bad, but my tax strategy simply involves paying a big chunk to the Feds every year... :beer My investment strategy is listed below and quite simple. I use new cash to re...
by arthurdawg
Thu May 25, 2017 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Growth (VIGAX) in taxable account?
Replies: 11
Views: 1683

Re: Vanguard Growth (VIGAX) in taxable account?

MotoTrojan wrote:
jafcorrea wrote:got my CA refund .. :beer

advantage in adding a new fund?
or just send $ to VTSAX

Any thoughts on this?
If you want a new fund (only have VTSAX), go VTIAX.



:sharebeer
by arthurdawg
Wed May 24, 2017 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: After tax efficient investment
Replies: 15
Views: 1923

Re: After tax efficient investment

I use VTSAX which is the admiral fund for VTI... no need for VOO.

(I'm old fashioned in my 40s... no need 'fer them fancy like ETFs!)
by arthurdawg
Wed May 24, 2017 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Growth (VIGAX) in taxable account?
Replies: 11
Views: 1683

Re: Vanguard Growth (VIGAX) in taxable account?

VTSAX

Not sure many round these here parts are big on growth!


I do counterbalance TSM and FTSE with Small Cap Value and FTSE Small Cap... but you don't have to.
by arthurdawg
Wed May 24, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Guidance needed, at a crossroads in my current job.
Replies: 23
Views: 2882

Re: Guidance needed, at a crossroads in my current job.

It does sound like your current position is limited. Biggest question: What are your prospects elsewhere? Are their firms in town that would offer better? You need to be serious and ready when you start looking - if they find out you are shopping around they might axe you quickly and you need to hav...
by arthurdawg
Sun May 21, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendation for large family
Replies: 32
Views: 2455

Re: Vehicle recommendation for large family

Our Toyota Sienna has the 8th seat option. It's a removable seat that fits between the bucket seats in the middle row.

I'm not sure what years offer it, ours is a 2011 model.
by arthurdawg
Fri May 05, 2017 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: New here...need help from seasoned BHs
Replies: 15
Views: 979

Re: New here...need help from seasoned BHs

Thank you Arthurdawg. I agree I'd like to get rid of the Schwab stuff and transfer to Vanguard. Don't like getting too many statements. My life is very complicated and messy and I need to get this all in one area so I can relax a bit. To do this, would I have to see everything at Schwab, request a ...
by arthurdawg
Fri May 05, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Anyone still upgrading their PC build? (Not replacing the machine)
Replies: 51
Views: 4597

Re: Anyone still upgrading their PC build? (Not replacing the machine)

I just upgraded the hard drive on my mid 2010 MacBook pro because I think the old drive is dying. I would really like to buy the latest MacBook pro, but it's $115 for an ssd vs $3000. Now that it has a new drive, everything is running so smoothly that it doesn't feel like an old computer anymore. H...
by arthurdawg
Fri May 05, 2017 12:48 pm
Forum: Investing - Theory, News & General
Topic: Tips From Older Bogleheads?
Replies: 52
Views: 5491

Re: Tips From Older Bogleheads?

The perfect is the enemy of the (very) good. Keep it simple with a 2-6 fund portfolio... maximize tax-deferred accounts... and save like a banshee. You'll never be on the top of the returns for the year with this approach, but minimizing taxes and expenses, and averaging at 70% of the top returns ea...
by arthurdawg
Fri May 05, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: New here...need help from seasoned BHs
Replies: 15
Views: 979

Re: New here...need help from seasoned BHs

I'm more than a bit OCD... so I'd consider just consolidating as much as possible to build a more unified portfolio. --TSP Balance 127k (30k roth, 97k traditional) invested 40% C, 40% F, 10% S, 10%I) --Vanguard Money Market Balance 500K all invested in Life Strategy Moderate Growth --Valic - husband...
by arthurdawg
Fri May 05, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: When you didn't have 401(k)/403(b), did you have IRA?
Replies: 46
Views: 2644

Re: When you didn't have 401(k)/403(b), did you have IRA?

I opened up Roths at Vanguard for myself and the wife as soon as we had adequate income c 2001. My wife had a terrible 401k plan for a couple of years - we didn't really have much funding past our Roths for saving, so I never used it. Then she moved to a part time job for child-rearing purposes. I d...
by arthurdawg
Fri Mar 03, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to get the most out of Bogleheads
Replies: 7
Views: 1175

Re: How to get the most out of Bogleheads

I picked up Tyson's "Mutual Funds for Dummies" close to 20 years ago. That led me to the old Vanguard Diehards on Morningstar and started my interest in index investing. In the years after that I read a dozen books on investing, working my way through Malkiel, then the Bogle books, then Be...
by arthurdawg
Fri Mar 03, 2017 5:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard and bond recomendations
Replies: 18
Views: 2233

Re: Vanguard and bond recomendations

Bonds will be terrible until the next drop in the market!
by arthurdawg
Fri Mar 03, 2017 5:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 22026

Re: Sad News About a Respected Forum Member

Late to post... Leukemia is bad illness when it strikes adults.

I hope Old Meph has forgiven me for asking him if he was Satan's left hand as detailed above! My kids have watched Cats many a time and my wife loves the musical.

Will add my thanks and prayers him!
by arthurdawg
Fri Mar 03, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: Crazy shipping boxes for small items
Replies: 7
Views: 859

Re: Crazy shipping boxes for small items

I bought a packet of 20 lithium photo batteries for our alarm system... came in a box that was probably 6x8x12...

I had to laugh when I opened it up!
by arthurdawg
Wed Dec 07, 2016 11:53 pm
Forum: Personal Consumer Issues
Topic: Anyone still upgrading their PC build? (Not replacing the machine)
Replies: 51
Views: 4597

Re: Anyone still upgrading their PC build? (Not replacing the machine)

I have two older MacBookPro laptops from 2010 that I doubled the RAM on (maxed out) and then swapped the older magnetic HDDs for SSDs. The performance improvement was noticeable, and we continue to us these two laptops every day six years after they were purchased. The upgrades were mad around mid-2...
by arthurdawg
Mon Aug 15, 2016 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off student loans quickly versus investing
Replies: 23
Views: 2248

Re: Paying off student loans quickly versus investing

I went through a similar predicament as I moved from fellow to attending physician a few years ago. I ended up refinancing my loans to a 5 year variable, which dropped my rate to 2.3%. The money saved allowed me to get good appropriate disability and life insurance (which I needed, and have some le...
by arthurdawg
Sat Aug 13, 2016 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Paying off student loans quickly versus investing
Replies: 23
Views: 2248

Re: Paying off student loans quickly versus investing

stop funding retirement and pay off ALL your debt ASAP. Just suck it up and get it done. with the amount of money you are making you will be debt free in a short period of time relative to the rest of your life to save for retirement. I assume you are 25 to 35 yrs old. Debt is an anchor around your...
by arthurdawg
Sat Aug 13, 2016 9:25 am
Forum: Investing - Help with Personal Investments
Topic: How to establish 3-fund portfolio with small overall balance
Replies: 14
Views: 1485

Re: How to establish 3-fund portfolio with small overall balance

I'm early on in my career and am interested in the DIY approach to investing. I've really enjoyed reading through some of the resources on this site; thanks for all of your answers on here. Even though my balances are currently small, I'd like to start some good habits now to prepare for the future...
by arthurdawg
Wed Aug 10, 2016 6:34 am
Forum: Investing - Theory, News & General
Topic: Fidelity customers: Have you experienced pressure to buy active funds?
Replies: 76
Views: 6749

Re: Fidelity customers: Have you experienced pressure to buy active funds?

Fidelity is one of better companies in the financial business. If you happened to get invested in their active funds, their fees are lower than most of their competitors. They have a big stable of portfolio managers and analysts and have a lot of very talented people. They are also a place you can ...
by arthurdawg
Sat Aug 06, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: Stats on Americans 'cutting the cable' ?
Replies: 98
Views: 12367

Re: Stats on Americans 'cutting the cable' ?

For me, I have Netflix, HBO GO, and Playstation Vue. A total cost of $55/mo. Don't need anything more than that. You left out a critical component: what do you pay for internet? We had WOW service... total package was 175 (had crept up as I hadn't called lately) with one DVR and 3 digital tuners. W...
by arthurdawg
Sat Aug 06, 2016 8:55 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri's Bond Portfolio
Replies: 29
Views: 5630

Re: Rick Ferri's Bond Portfolio

I've kept my bond allocation at its most simplistic and just use my Fidelity TBM (US) fund in the 401k. I've considered adding international, but there isn't a compelling reason so far. TIPS have their uses, but again, I haven't really felt that I really need these either. High Yield Corporate (i.e....
by arthurdawg
Thu Aug 04, 2016 5:47 pm
Forum: Personal Consumer Issues
Topic: Stats on Americans 'cutting the cable' ?
Replies: 98
Views: 12367

Re: Stats on Americans 'cutting the cable' ?

They've apparently added support for other devices just recently. I've been using Roku players for sling and they seem to work well. wasn't sure who you were referring to by "they've".....Sling or Playstation. I've had Sling before (ESPN for college football), its great. Interface is nice...
by arthurdawg
Thu Aug 04, 2016 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Travel insurance - worth it?
Replies: 96
Views: 14219

Re: Travel insurance - worth it?

My wife and I are going on a somewhat different trip than those mentioned to this point, and are beginning to explore travel insurance options. At the end of this month we'll be heading back to India, this time for approximately three weeks of trekking in Ladakh. So our trip involves flying into De...
by arthurdawg
Tue Aug 02, 2016 6:32 am
Forum: Personal Consumer Issues
Topic: Stats on Americans 'cutting the cable' ?
Replies: 98
Views: 12367

Re: Stats on Americans 'cutting the cable' ?

Hmmm... for some reason I thought I had seen Fox News on the News channel, but you are correct and they don't carry it. The Playstation Vue service does have it. Appears to be similar to Sling TV. I cannot vouch for it, but it looks pretty neat, I may give it a try if Sling doesn't work out! Check ...
by arthurdawg
Tue Aug 02, 2016 6:29 am
Forum: Personal Consumer Issues
Topic: Suckered into Marriott Kauai Timeshare Presentation
Replies: 101
Views: 13520

Re: Suckered into Marriott Kauai Timeshare Presentation

heikejohn1 wrote:Take the kids with you!!!
The presenters will probably be happy to see you leave early if your kids start to get bored and disrupt the presentation. :twisted:



Amen! Tell them to run around and play!!
by arthurdawg
Mon Aug 01, 2016 7:25 pm
Forum: Personal Consumer Issues
Topic: Stats on Americans 'cutting the cable' ?
Replies: 98
Views: 12367

Re: Stats on Americans 'cutting the cable' ?

Sling TV has a news option - can probably put something together for 25$ a month if you only need one stream. They do not have FOX news. And their news option doesn't include it. Some news stations/channels really bias stories, and they don't show you what happened because it'll offend everyone. We...
by arthurdawg
Sun Jul 31, 2016 8:09 am
Forum: Investing - Theory, News & General
Topic: Investing at stock market highs
Replies: 52
Views: 5249

Re: Investing at stock market highs

I'll just leave this here. Cheers, packe I'll ditto this link here! Fascinating and what I do. After some changes early on, I haven't sold a single share in close to decade. I just keep adding and use new money to adjust the AA back to my plan (I don't have very tight bands... actually none). Agree...
by arthurdawg
Sun Jul 31, 2016 7:57 am
Forum: Personal Consumer Issues
Topic: Stats on Americans 'cutting the cable' ?
Replies: 98
Views: 12367

Re: Stats on Americans 'cutting the cable' ?

haven't had cable since college, I do the Roku / Netflix route. BUT, having been in multiple hotels recently on a trip, I find how much NEWS I am missing by not having FOX News, CNN and MSNBC etc. Has me contemplating getting a small cable package esp w/ elections looming. Sure, one can scour the i...
by arthurdawg
Thu Jul 28, 2016 10:14 pm
Forum: Personal Consumer Issues
Topic: Stats on Americans 'cutting the cable' ?
Replies: 98
Views: 12367

Re: Stats on Americans 'cutting the cable' ?

I have recently installed Leaf antennas on our TVs and they work very well. We mainly use Netflix and Amazon and are looking at some of the myriad of options. Mainly though, if the Sling TV experiment for ESPN goes well in the first month or two of football season... that may be the end of our cable...
by arthurdawg
Thu Jul 28, 2016 1:19 pm
Forum: Personal Consumer Issues
Topic: What is this strange piece of scientific glassware?
Replies: 46
Views: 5712

Re: What is this strange piece of scientific glassware?

Metallic mercury deserves handling with care... but organic mercury is much more deadly.


There was a tragic case involving a researcher who was a specialist in dimethylmercury who died after the exposure.


https://en.wikipedia.org/wiki/Karen_Wetterhahn
by arthurdawg
Wed Jul 27, 2016 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Adding International Bonds to Fidelity 401k
Replies: 1
Views: 482

Adding International Bonds to Fidelity 401k

I'm considering adding international bonds to my portfolio... I can easily do so through my 401k at Fido which is conveniently 100% invested in the Fidelity Total Bond Market Index. There are two options: FGBFX - Fidelity Global Bond Fund - About 33% each Foreign Government / Corporate bonds, with a...
by arthurdawg
Wed Jul 27, 2016 1:07 pm
Forum: Personal Consumer Issues
Topic: What is this strange piece of scientific glassware?
Replies: 46
Views: 5712

Re: What is this strange piece of scientific glassware?

People have been blase about all kinds of things and mercury would be far from the worst. There are certainly things in any research lab today that are more harmful than mercury and there always have been. Awareness and regulation regarding handling is much improved, we hope. In college (late 90's ...
by arthurdawg
Tue Jul 26, 2016 9:19 pm
Forum: Personal Consumer Issues
Topic: Gas grill recommendations please
Replies: 52
Views: 3482

Re: Gas grill recommendations please

I bought a Weber with three burners at Lowe's about 5 years ago. It's worked well! I'm not sure of the model, but it was about 400$ I think. It's solidly built and cooks well. The major reason I bought it was that it was assembled at the store! Previously I had two char-broil grills that were a majo...
by arthurdawg
Mon Jul 25, 2016 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Does buying international stock index make me a "market-timer'?
Replies: 13
Views: 1778

Re: Does buying international stock index make me a "market-timer'?

I'd just keep to the allocation, it looks good.

That way you can benefit if TIM goes up, or if TSM goes up either way.
by arthurdawg
Mon Jul 25, 2016 8:42 pm
Forum: Personal Consumer Issues
Topic: World VCR production is ending next month. What to do with my old VHS tapes?
Replies: 57
Views: 5478

Re: World VCR production is ending next month. What to do with my old VHS tapes?

rec7 wrote: I am still using my VCR a couple times per week. Anybody else? Yes, we use ours about twice a week. I've copied family VHS tapes ( the original big ones) taken from 1983-1995 onto DVD. Most went 2 hours so I was able to start the 2 hour VHS tape and the DVD copier (set for 2 hours) and ...
by arthurdawg
Mon Jul 25, 2016 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Fund
Replies: 6
Views: 1366

Re: Total Stock Market Fund

Looked into this fund years ago, finished second to Vanguard, but a great option.
by arthurdawg
Sun Jul 24, 2016 9:55 pm
Forum: Personal Consumer Issues
Topic: What is this strange piece of scientific glassware?
Replies: 46
Views: 5712

Re: What is this strange piece of scientific glassware?

Neat piece of equipment though... reminds of Quantitative Analysis and Physical Chemistry lab!
by arthurdawg
Sun Jul 24, 2016 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Active/Passive Stock Intersection Value/Growth
Replies: 8
Views: 966

Re: Active/Passive Stock Intersection Value/Growth

Thank you tyc. I am over my head here. I gotta think about weighting more. Jerry Good points above... similar stock funds can be added together and you need to consider the broad market indices! If you haven't read them, three classic threads that come to mind are: Mr. Larrimore's Three Fund Portfo...
by arthurdawg
Sun Jul 24, 2016 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 226
Views: 29827

Re: Where were you financially when you were at 30?

As an old geezer at 50, I am impressed by the number of 25-30 year old people that are on this forum. I would have imagined that only "older folks" would have responded to this post. I know I was not in this mindset 20-25 years ago. It is encouraging to see a younger generation planning f...
by arthurdawg
Sun Jul 24, 2016 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: 529 plans?
Replies: 31
Views: 3934

Re: 529 plans?

You can fund education for the family for several generations! Congrats in finding the true advantages of 529s. For the "regular" folks it is about saving for kids college. For the "rich" it is about setting up an inexpensive, low cost educational trust for generations. It is, I...
by arthurdawg
Sun Jul 24, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: World VCR production is ending next month. What to do with my old VHS tapes?
Replies: 57
Views: 5478

Re: World VCR production is ending next month. What to do with my old VHS tapes?

I confronted this situation about 2008-9. I bought a set top DVR recorder and copied some early home movies... but it was a pesky and time consuming situation. Most commercial VHS tapes have copy protection, so I bought a "stripper" and copied over a few hard to find / not easily replaced ...
by arthurdawg
Sun Jul 24, 2016 8:57 am
Forum: Investing - Help with Personal Investments
Topic: 529 plans?
Replies: 31
Views: 3934

Re: 529 plans?

There is great flexibility in passing the plans on to another beneficiary as well. I'm planning to use some of ours for the kids, but will likely end up transferring the accounts to the grandkids over the years.

You can fund education for the family for several generations!