Search found 892 matches

by Broken Man 1999
Tue Jan 16, 2018 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax Forms Now Online
Replies: 39
Views: 2355

Re: Vanguard Tax Forms Now Online

We only have one form from Vanguard for taxes, as all of our retirement portfolio is in tax-advantaged accounts. Our one form, 1099R, was available AND correct. We are on the brokerage platform. :D Good luck to the rest of you! Typically I file in April so even when we had assets in our taxable acco...
by Broken Man 1999
Sun Jan 14, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Anyone Gone All the Way with LastPass?
Replies: 25
Views: 1301

Re: Anyone Gone All the Way with LastPass?

All in LastPass.

My second go with them. I had to rebuild my entire LastPass password database a year or two ago.

Do NOT forget/lose you master password! :oops:

Though perhaps they have a recovery method now. :?:

Broken Man 1999
by Broken Man 1999
Fri Jan 12, 2018 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual funds to ETFs.....A question!
Replies: 5
Views: 342

Re: Mutual funds to ETFs.....A question!

Ah, now I remember about converting Total Bond Index to the ETF, had to do with interest or something. Well, new plan: Sell mutual funds. Buy my desired ETF. Thanks for the info. I thought I had found a way to do this in real time. Nope! Oh well, not going to matter much as the bond funds aren't goi...
by Broken Man 1999
Fri Jan 12, 2018 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual funds to ETFs.....A question!
Replies: 5
Views: 342

Mutual funds to ETFs.....A question!

I have converted all our mutual funds on the equity side to ETFs. I am now addressing the bond mutual funds. To my surprise, when I called Vanguard to do the deed, I was surprised that my bond funds didn't have ETF equivalents. I have Vanguard Intermediate Treasury fund. No ETF! But, Vanguard Interm...
by Broken Man 1999
Fri Jan 12, 2018 4:47 pm
Forum: Investing - Theory, News & General
Topic: 4% Withdrawal vs Yield as Income
Replies: 41
Views: 2111

Re: 4% Withdrawal vs Yield as Income

Dividends can rise, fall, stop, restart.... I wouldn't hang my hat on them. We reinvest all dividends even though we could just about get enough of our expenses via dividends. However, dividend "harvesting" for expenses is just too much effort to me. I'd rather examine all my accounts and decide whe...
by Broken Man 1999
Fri Jan 12, 2018 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4402

Re: Help me stop my addiction to stock market peeping!

Sorry, but I check our retirement portfolio and bank accounts at least once a day. I don't want any of our dollars taking up with a crook, and leaving home.

We have raised these dollars since they were cents. :D

Broken Man 1999
by Broken Man 1999
Fri Jan 12, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Virus reading Yahoo news
Replies: 8
Views: 788

Re: Virus reading Yahoo news

I frequently read articles on Yahoo news. I frequently get a virus that locks up my computer. It says "this site says you have contacted a virus. Do not turn off your computer or your computer files with be deleted. Call this number .....". It will not let me get out of this screen. I turn off my c...
by Broken Man 1999
Fri Jan 12, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: wild bird feed
Replies: 43
Views: 1771

Re: wild bird feed

After suffering many casualties, the squirrels in my trees seemed to have learned that to try to slide down the birdfeeder hanger wire while a big cat is waiting for them to slip and fall isn't a smart thing to do. Might take a few generations before the squirrels have to learn this life lesson agai...
by Broken Man 1999
Thu Jan 11, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Somewhat rhetorical question...
Replies: 10
Views: 703

Re: Somewhat rhetorical question...

According to their website they operate in 20 countries. I imagine there are any number of companies very glad to throw stock plan activities to a company such as theirs. Activities such as recordkeeping, buying etc. simply aren't the stock plan issuer's business, so they throw it to Computershare. ...
by Broken Man 1999
Thu Jan 11, 2018 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Account Proliferation - any tips to manage or combat?
Replies: 7
Views: 570

Re: Account Proliferation - any tips to manage or combat?

I would simply pick one institution for your financial side, and one institution for your banking. If you are lucky, perhaps you can find a home for a HSA at your banking institution. I am almost 65, and frankly having one place to see all our retirement accounts (Vanguard), and another place to see...
by Broken Man 1999
Thu Jan 11, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Somewhat rhetorical question...
Replies: 10
Views: 703

Re: Somewhat rhetorical question...

According to their 2017 report, they are dragging in about $2.1 bil in revenue.

Definitely still a viable company.

Broken Man 1999
by Broken Man 1999
Wed Jan 10, 2018 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Forget Customer Service--Vanguard has lousy Computers
Replies: 22
Views: 3112

Re: Forget Customer Service--Vanguard has lousy Computers

Reminds me of this: A common mistake that people make when trying to design something completely foolproof is to underestimate the ingenuity of complete fools. (attributed to Doug Adams) No offense intended, it's just some things aren't foolproof, no matter how hard designers might try. Broken Man 1...
by Broken Man 1999
Wed Jan 10, 2018 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: "State Resricted" CDs
Replies: 5
Views: 601

Re: "State Resricted" CDs

Well Vanguard's response contained no new info. So I have to believe it is the state's registration expenses that prevent some state's residents from being able to purchase. Interesting thing is I am considering a twelve month CD (1.85%) from a California bank that doesn't allow residents of Califor...
by Broken Man 1999
Wed Jan 10, 2018 9:36 am
Forum: Investing - Help with Personal Investments
Topic: "State Resricted" CDs
Replies: 5
Views: 601

Re: "State Resricted" CDs

Per Fidelity:<br abp="628"><br abp="629"> What are restrictions on new issue CD offerings?<br abp="630"><br abp="631">Not all CDs are available in every state. Each state has its own set of laws to offer securities for sale in its state, and those laws are referred to as Blue Sky laws. As a result,...
by Broken Man 1999
Tue Jan 09, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: "State Resricted" CDs
Replies: 5
Views: 601

"State Resricted" CDs

I am currently doing a bit of housekeeping of our retirement portfolio, resetting AA to our desired 50% equities 50% bonds. It appears I'll need to add a bit on the bond side to rebalance. As I do every time I make changes, I look at options available to complete the goal. Today as I was looking thr...
by Broken Man 1999
Mon Jan 08, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 94
Views: 3935

Re: Are Password Managers Really Necessary?

Yes, I would say password managers are necessary. Short of having a perfect memory or a personal algorithm that somehow satisfies the password requirements for all sites, it's impossible to remember all of my passwords for both my personal and work accounts. Exactly! Remembering so many 20+ charact...
by Broken Man 1999
Mon Jan 08, 2018 9:30 am
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 8438

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

IMHO, those threads are confirmations that the BH methods work, regardless of income levels. Encouragements to stay the course when markets tank. They are examples of people who make it via BH method despite 1987, 2000, 2008 so I will stick to my AA when the next one hit. The actionable benefits of...
by Broken Man 1999
Sun Jan 07, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: Memo to those who have won the game: it's time to quit playing
Replies: 210
Views: 17619

Re: Memo to those who have won the game: it's time to quit playing

I am all in bank CD's only earning about 2.25% on average but I don't care. I have enough income from this measly return and taking some principle to far outlast my spending for life and then some, even if my wife and I both ended up in long term care. We have no children and all of my relatives ar...
by Broken Man 1999
Sun Jan 07, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: Memo to those who have won the game: it's time to quit playing
Replies: 210
Views: 17619

Re: Memo to those who have won the game: it's time to quit playing

50% stocks and 50% bonds work for us. We might have "won", but who really knows? I believe our retirement portfolio is conservative enough.

As well, some of us invest for other generations.

Broken Man 1999
by Broken Man 1999
Sun Jan 07, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Muir Woods (California) requires reservations.
Replies: 16
Views: 1940

Re: Muir Woods (California) requires reservations.

Been there, done that. If I lived close enough I would spend as much time as I could there, as it is a magnificent slice of earth.

Not surprised there is a reservation requirement. Last time I visited was in 1999, even then the parking took some effort.

Broken Man 1999
by Broken Man 1999
Sat Jan 06, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9604

Re: Effects of extreme cold weather

I now live in the less frigid Washington DC area (although very, very cold now), but many years ago, when I lived in the colder foothills of the Catskills (NY State) and had a 60's VW Beetle - sometimes in the winter cold, my car would often barely turn over with the starter to start. My father had...
by Broken Man 1999
Sat Jan 06, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 7369

Re: How much are you putting in a 529?

! am funding youngest grandson's 529 plan @ $200/month. When his balance reaches $3000, I will transfer his account to Vanguard, and then split the $200/month into four streams to add $50/month to all grandchildren's 529 plans, or possibly a higher amount. The 529 plans are in addition to their paid...
by Broken Man 1999
Thu Jan 04, 2018 10:35 am
Forum: Investing - Theory, News & General
Topic: Vanguard takes 2 days to settle tIRA funding?
Replies: 22
Views: 1460

Re: Vanguard takes 2 days to settle tIRA funding?

Other than opening and funding 529 plans, I haven't sent Vanguard $$$$ in a long time. I'm more interested in how long it takes to get money OUT of Vanguard and into my bank account nowadays. Though, as pointed out by missingdonut funds not available for withdrawal are available for investment. Make...
by Broken Man 1999
Thu Jan 04, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: milestone post
Replies: 13
Views: 1424

Re: milestone post

Congrats! :sharebeer These type milestones aren't easy to accomplish, and there will be setbacks occasionally, but keep the faith and trudge on! I love these type posts, as they constantly remind all of us what is possible, and shows many of us our own success wasn't just a stroke of luck. Those jus...
by Broken Man 1999
Wed Jan 03, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Consolidate to Single Financial Institution?
Replies: 30
Views: 2217

Re: Consolidate to Single Financial Institution?

Depending on your banking needs, you might be OK at Vanguard for certain banking tasks, such as a credit card and a bill-pay program, via VanguardAdvantage. Might be free if you have certain level of holdings at Vanguard. While I find the idea of having Vanguard handle some banking efforts for us in...
by Broken Man 1999
Wed Jan 03, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9604

Re: Effects of extreme cold weather

My remote start does not engage below 13 degrees Fahrenheit. :( Also, I find myself searching Sarasota, FL real estate during breaks at work. :happy We are having brutal cold on the west coast of Florida as well. Today instead of my normal attire of a tee-shirt and a pair of shorts, I have been for...
by Broken Man 1999
Tue Jan 02, 2018 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: New Year, New Milestone
Replies: 2
Views: 390

Re: New Year, New Milestone

Congrats on your accomplishment! I would heartily agree you are likely to go over and under this level, but eventually you'll reach the next milestone. Few investors have only positive, upward net worth, often there is giveback. Don't be discouraged if it happens, just stay the course and keep to yo...
by Broken Man 1999
Tue Jan 02, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Consolidate to Single Financial Institution?
Replies: 30
Views: 2217

Re: Consolidate to Single Financial Institution?

We use Vanguard exclusively for our investments, and our credit union for our banking needs. Vanguard sends money to our credit union. We spend it.

The setup we use works well for us. But, our financial life is simple, and getting simpler.

Broken Man 1999
by Broken Man 1999
Mon Jan 01, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 95
Views: 5724

Re: Keeping a checkbook register

I keep a register of the check number, payee, amount, and date, but I do no balance reconciliation. I just keep an eye on my online info to make sure the check is cashed. Some small trades folks don't accept credit cards (nor would I want to increase their expenses even if they did), and I usually w...
by Broken Man 1999
Mon Jan 01, 2018 1:34 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 222
Views: 37293

Re: Bonds - Throw it all on the table!!!

Currently our bond portion is 49% of our portfolio. All of our portfolio is in tax-advantaged plans, save $27.09 in taxable. Bonds are scattered across these accounts: Vanguard Annuity My TIRA Wife's TIRA US Savings Bonds Series I and Series EE (Vast majority in Series I held as paper bonds, remaind...
by Broken Man 1999
Sat Dec 30, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Spam email
Replies: 13
Views: 710

Re: Spam email

I have had some success in responding to the "unsubscribe me" link found on many spam emails.

As well, some email programs allow you to route into a spam folder, or even block the email.

Broken Man 1999
by Broken Man 1999
Sat Dec 30, 2017 1:37 pm
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 2825

Re: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)

All 529 account balances appear on all appropriate pages for me now.

Hopefully for everyone else, as well.

Broken Man 1999
by Broken Man 1999
Sat Dec 30, 2017 12:14 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1728
Views: 304943

Re: What are you up YTD? [Year To Date]

After our 2017 expense withdrawals, we ended up with portfolio increase of over three times our living expenses draw, ending with portfolio at highest total ever reached. :shock: This bull has made some serious dollars for us, although I realize we will give some back sometime in the future. Shared ...
by Broken Man 1999
Sat Dec 30, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: 529 plane for niece — WA state
Replies: 3
Views: 334

Re: 529 plane for niece — WA state

Like you, we live in a state with no income tax. We opted for the Vanguard Nevada plan, nice to have all our financial plans at one location. No idea about Washington's tuition plan, but our Florida Prepaid college plan can be used at in-state public and private accredited colleges and universities,...
by Broken Man 1999
Sat Dec 30, 2017 10:29 am
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 2825

Re: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)

When I am in the "Balances and holdings" screen and I select the tab "Go to my 529 plan account area" I see all three of my 529 accounts, and the correct balances. I see zeros in the 529 plans in the "Balances and holdings" screen.

Broken Man 1999
by Broken Man 1999
Fri Dec 29, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Plow Guy Raised Rates
Replies: 112
Views: 9264

Re: Plow Guy Raised Rates

A somewhat random question, but I live in Maine and have someone plow my driveway every snowstorm. We have a new guy this year as the previous company sold all of their customer base to this guy. In a letter from the previous company regarding the transfer of the plow company, he indicated that the...
by Broken Man 1999
Thu Dec 28, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Another term life insurance question
Replies: 8
Views: 458

Re: Another term life insurance question

I'm conservative by nature, I think of the two 10yr term insurance policies I would go with the $440/yr $700K one.

Broken Man 1999
by Broken Man 1999
Thu Dec 28, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Another term life insurance question
Replies: 8
Views: 458

Re: Another term life insurance question

How are you (if you are) funding children's college?

I think you might need an LTD policy at this time more than insurance. But some insurance might be in order at least until you have launched your twelve year old.

Broken Man 1999
by Broken Man 1999
Wed Dec 27, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Cash on hand
Replies: 21
Views: 1124

Re: Cash on hand

We keep almost no currency (about once ever 5-6 weeks we hit the ATM for about $200) and our checking account balance stays pretty low. Same here. Football season a little more cash as the parking @ my alma mater's games is $20, cash only. Plus the beer vendors who traipse the steps can't accept cr...
by Broken Man 1999
Mon Dec 25, 2017 2:14 pm
Forum: Investing - Theory, News & General
Topic: 1st, your education. Then...Location, Location, Location
Replies: 66
Views: 8525

Re: 1st, your education. Then...Location, Location, Location

Simple four steps in this order. If you do not follow this order, then the probability of a fulfilling life is substantially at risk. 1. Get a good education in a discipline offering good career opportunities 2. Get a job, start your career and start saving. 3. Get married 4. Build a family We have...
by Broken Man 1999
Mon Dec 25, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 315
Views: 22938

Re: What frugal thing did you do today?

Left Costco with only the items I planned on buying. Wow! You have a lot of discipline, for sure. Tip of my cap to you! We go in for a "few" items. We come out with a cart full of things we didn't know we needed. :oops: Still, nothing goes to waste, and I am a real believer in the products offered ...
by Broken Man 1999
Sun Dec 24, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 315
Views: 22938

Re: What frugal thing did you do today?

We went to oldest daughter's place and ate their food and drank their booze! Someone else's liquor always tastes better!

:sharebeer

Broken Man 1999
by Broken Man 1999
Sun Dec 24, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Property Fraud Alert
Replies: 6
Views: 1069

Re: Property Fraud Alert

I signed up for the free fraud alert as well. A few weeks ago there was a story in the local fish wrapper about a RE agent who went to a home he had listed, just for a routine check, and found someone living there. The crooks had forged documents that had fooled the county, and it took some effort t...
by Broken Man 1999
Sun Dec 24, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3250
Views: 943537

Re: What Movie Have You Recently Watched?

Sons-in-law, grandsons, and I went to see The Last Jedi yesterday. The movie has first rate CGI battle scenes, certainly not unexpected for this franchise. The plot was as expected. Bad people fighting good people. I don't believe that we have seen the last Jedi, despite the film's title. There will...
by Broken Man 1999
Sun Dec 24, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Will you donate less to Charity?
Replies: 107
Views: 6880

Re: Will you donate less to Charity?

We haven't been able to itemize for years now, so the tax cut won't change our giving at all. As we get further into retirement, I intend to ramp it up some. The great unknown facing us next year is I will transition to retiree insurance. Both wife and I have had 100% free insurance (less my Medicar...
by Broken Man 1999
Fri Dec 22, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 260
Views: 19945

Re: Do you see a meaningful change in your income with new Tax Bill?

Not sure what change is meaningful, but we will pay about $2200-$2500 dollars less in taxes. I can either pay at a lower level, or add some more $$$ to our portfolio withdrawals and pay the same taxes as this year. Either way we are better off. We don't itemize, but that is not a bad thing as we hav...
by Broken Man 1999
Fri Dec 22, 2017 10:03 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 90
Views: 5852

Re: Bitcoin in Freefall

Funny thing, my oldest daughter asked me yesterday if she should put a little bit into bitcoin. I told her what I had read about the "whales" who could move the market in wild swings, obliterating the "minnow's" bitcoins worth. How so few "whales" owned such a high percentage of the various cybercur...
by Broken Man 1999
Thu Dec 21, 2017 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Do you include your house in your net worth if you own it outright?
Replies: 89
Views: 6442

Re: Do you include your house in your net worth if you own it outright?

As a general rule I really only have practical use for our $$$ amounts in our retirement portfolio. A true net worth figure would include the value of your home, less any mortgage, but frankly I see little use for it other than if we were seeking credit and the net worth was asked by a lender. Broke...
by Broken Man 1999
Wed Dec 20, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do We Have to Wait Until Trump Signs the Bill Before We Can Discuss It?
Replies: 44
Views: 2720

Re: Do We Have to Wait Until Trump Signs the Bill Before We Can Discuss It?

Concerning the "thing" that cannot be discussed.... does anyone know of any user friendly updated tax casters/estimators?

Broken Man 1999
by Broken Man 1999
Mon Dec 18, 2017 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance After Retirement
Replies: 13
Views: 779

Re: Term Life Insurance After Retirement

When I reach 65, my MegaCorp life insurance will drop from $70.000 or so to $5000. It is a benefit, not paid by me. When wife was 50 I bought a 20 year term insurance policy for $530/year. I'll continue paying until it reaches the full 20 years. If something happened to my wife, I would need live-in...