Search found 1165 matches

by Cosmo
Tue Apr 10, 2018 7:07 pm
Forum: Investing - Theory, News & General
Topic: Why not annuitize most of portfolio?
Replies: 104
Views: 7916

Re: Why not annuitize most of portfolio?

samsoes wrote:
Tue Apr 10, 2018 6:42 am
dknightd wrote:
Mon Apr 09, 2018 8:23 pm
Cyclesafe wrote:
Mon Apr 09, 2018 8:07 pm
subject to the 3.8% NIIT as MAGI exceeds $250k for MFJ.
I have to admit I don't understand what you just said.
Non-intuitive acronyms are ubiquitous on this forum.
I will take it a step further and say non-intuitive acronyms are ubiquitous in my entire life.
by Cosmo
Mon Apr 09, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: And yet another example why Vanguard is a 4th tier firm in regard to customer service…
Replies: 20
Views: 1763

Re: And yet another example why Vanguard if a 4th tier firm in regard to customer service…

jebmke wrote:
Mon Apr 09, 2018 4:16 pm
Toons wrote:
Mon Apr 09, 2018 4:07 pm
Not as of yet.
Then again,
I haven't changed my password in
9 years.
:mrgreen:
If your password is sufficiently complex there really is no reason to change it unless you think someone has compromised it. I haven't changed mine in years either.
+1
by Cosmo
Fri Apr 06, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct is a waste of time
Replies: 75
Views: 17586

Re: Treasury Direct is a waste of time

I don't like Treasury Direct. It seems clunky. It's a complicated multi-step process to buy bonds and give my wife transact authority to them; it has to be done individually for each purchase, and you can't assign transact rights at the time of purchase--you can't do it until you actually have bond...
by Cosmo
Tue Mar 27, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6386
Views: 1369119

Re: U.S. stocks in freefall

gwe67 wrote:
Mon Mar 26, 2018 9:28 pm
Isn't it time for the moderators to close this topic?
Yes but we are in a minority here though.
by Cosmo
Sun Mar 25, 2018 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Deciphering my 401k Annual Report
Replies: 5
Views: 399

Re: Deciphering my 401k Annual Report

Is this a profit sharing plan or a 401(k)? I'm confused here.

Cosmo
by Cosmo
Sun Mar 18, 2018 7:07 am
Forum: Investing - Theory, News & General
Topic: Could all of these "low expected returns over next 10 years" predictions be wrong?
Replies: 120
Views: 10866

Re: Could all of these "low expected returns over next 10 years" predictions be wrong?

What is it they say..... Past Performance Is Not Indicative Of Future Results. Performance is a random variable....it has a historical average that some folks are trying to predict. Furthermore it is based on underlying assumptions that it is driven by other historical key variables and associated ...
by Cosmo
Fri Mar 16, 2018 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Do I have enough saved to pull the trigger now? Or wait 1? 3? years?
Replies: 52
Views: 7596

Re: Do I have enough saved to pull the trigger now? Or wait 1? 3? years?

I have begun to hone in on a date where I say goodbye to working and begin to relax and enjoy free time and all that comes with it. And for me the most logical date would be in a little over 3 years when I turn 55, as a) I believe I will have sufficient assets to tide me over until I receive a (sma...
by Cosmo
Tue Mar 13, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 40
Views: 5964

Re: Finally Cutting the Cord - YouTube TV

Cosmo I considered OTA but I then would need to buy an antenna which may be visible and it still would not be a complete solution. YTTV works well. The newer antennas are less than 3ft long and are compliant with most HOA's. If not, it still may work if you install in the back of the home. Beware o...
by Cosmo
Tue Mar 13, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Mac Newbie Needs help with MacBook Safari Browser Bookmarks. How to move or sync? Thanks @@
Replies: 6
Views: 494

Re: Mac Newbie Needs help with MacBook Safari Browser Bookmarks. How to move or sync? Thanks @@

Mac newbie, sort of, here. My bookmarks on my MacBook (safari browser) were a mess. So I spent forever organizing them in folders. I have 2 other Macs, plus iPhone, iPad. 1 How can I sync or transfer this newly organized Bookmark setup to the others, not just the bookmarks but the way they are orga...
by Cosmo
Tue Mar 13, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Mac Newbie Needs help with MacBook Safari Browser Bookmarks. How to move or sync? Thanks @@
Replies: 6
Views: 494

Re: Mac Newbie Needs help with MacBook Safari Browser Bookmarks. How to move or sync? Thanks @@

Mac newbie, sort of, here. My bookmarks on my MacBook (safari browser) were a mess. So I spent forever organizing them in folders. I have 2 other Macs, plus iPhone, iPad. 1 How can I sync or transfer this newly organized Bookmark setup to the others, not just the bookmarks but the way they are orga...
by Cosmo
Mon Mar 12, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Blocking URLs/Sites on home network for kids
Replies: 33
Views: 1591

Re: Blocking URLs/Sites on home network for kids

drekce wrote:
Mon Mar 12, 2018 9:43 am
I use a Circle device. It isn’t perfect, but I love it and it works across all devices (to include streaming boxes, game consoles, etc.).

I pay for the Circle Go service as well, so my kid’s phones can’t get around it as easily when not on the home WiFi.
+1

Hands down, Disney Circle.

Cosmo
by Cosmo
Sun Mar 11, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 40
Views: 5964

Re: Finally Cutting the Cord - YouTube TV

Given the price of my FIOS triple play (TV, Internet, Phone) and the fact that I do not watch too much TV and use my mobile phone mostly, I’ve been looking to cut the cord for years. With the expiration of my latest FIOS deal I looked into it again but this time I did it because of the availability...
by Cosmo
Thu Mar 01, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Amica reocurring double digit increases in homeowners insurance
Replies: 37
Views: 2949

Re: Amica reocurring double digit increases in homeowners insurance

I am trying to get a handle on my homeowners policy (w/ Amica) which for the past 2-years has seen a recurring double digit increases in homeowners insurance premiums - an increase of 32% in 2-years. I sent the following correspondence to Amica to try to get some perspective, but am still having a ...
by Cosmo
Tue Feb 27, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: Mobile Deposit Bank Fraud
Replies: 36
Views: 2655

Re: Mobile Deposit Bank Fraud

This is from David Merkel’s “Aleph Blog,” an especially astute market commentary. In the February 23 Blog David relates a bank fraud perpetrated on him using mobile deposits. This scenario is new to me. Unfortunately, the bank refused to accept liability for the loss. http://alephblog.com/ Yet one ...
by Cosmo
Tue Feb 27, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Deer Garden Damage Prevention
Replies: 36
Views: 2161

Re: Deer Garden Damage Prevention

ikowik wrote:
Tue Feb 27, 2018 7:24 pm
likegarden wrote:
Tue Feb 27, 2018 7:23 pm
Years ago in the Garden Web Hosta Forum a lady posted that she makes a good pot of strong coffee, lets her husband drink it and at night sends him out to mark their territory.
Number 1 or Number 2?
And I'm guessing her husband is awake all night...
by Cosmo
Tue Feb 27, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: Mobile Deposit Bank Fraud
Replies: 36
Views: 2655

Re: Mobile Deposit Bank Fraud

This is from David Merkel’s “Aleph Blog,” an especially astute market commentary. In the February 23 Blog David relates a bank fraud perpetrated on him using mobile deposits. This scenario is new to me. Unfortunately, the bank refused to accept liability for the loss. http://alephblog.com/ Yet one ...
by Cosmo
Mon Feb 19, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Email from IRS this morning- is my information compromised?
Replies: 21
Views: 2458

Re: Email from IRS this morning- is my information compromised?

It's spam. Delete it and move on with your life. The IRS mail any tax notice or corresponding to your mailing address. It is not a tax notice. It has to do with the online services account and is possibly legit. I disagree. As far as I know, the IRS will only notify you via snail mail to your offic...
by Cosmo
Mon Feb 19, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Email from IRS this morning- is my information compromised?
Replies: 21
Views: 2458

Re: Email from IRS this morning- is my information compromised?

Good morning! I just checked my email a few minutes ago, and there was an email from IRS.online.services@irs.gov stating that there have been three unsuccessful attempts to access my account with them, and my account has been frozen for 24 hours. I asked my husband if he was working on our taxes an...
by Cosmo
Sat Feb 17, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: My Over $300K Vanguard Balance Disappeared?
Replies: 62
Views: 10371

Re: My Over $300K Vanguard Balance Disappeared?

Your comment is off the mark. Do you have anything better to post in this thread? Do you have any problem if I check my account on a weekly basis or even every five minutes? Yes, if it causes you stress, you shouldn't do it. Again your comment is off the mark. That was not the topic of this discuss...
by Cosmo
Wed Feb 14, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Buying Iphone X with AT&T
Replies: 16
Views: 887

Re: Buying Iphone X with AT&T

Sprint and Verizon are both offering a two for one deal if you decide to upgrade. That sounds like a price break to me.
by Cosmo
Wed Feb 07, 2018 6:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6386
Views: 1369119

Re: U.S. stocks in freefall

I wish a moderator would put this 7 year old thread out of its misery and lock it.

Cosmo
by Cosmo
Sun Feb 04, 2018 7:36 am
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 16306

Re: Blood in the water- buying?

harvestbook wrote:
Sat Feb 03, 2018 10:02 am
600 dow points ain't what it used to be

Not your father's 600 Dow points!
by Cosmo
Sat Dec 30, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Plow Guy Raised Rates
Replies: 112
Views: 9745

Re: Plow Guy Raised Rates

livesoft wrote:
Fri Dec 29, 2017 11:13 am
How much do you tip the Plow Guy every year? At least a bottle of Jack Daniels, right?
Actually, you would tip in lobsters, of course.
by Cosmo
Sat Dec 30, 2017 4:21 pm
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 2997

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

It's getting even worse and more disturbing. Earlier today, my 529 balances for each of my two kids showed a zero balance. Now when I check, the two 529 plan account names are just gone! No mention of them. It's like they were never there in the first place. Boy, I hope we get some answers from Vang...
by Cosmo
Sat Dec 30, 2017 2:48 pm
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 2997

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

Hey Vanguard! How about some advance notice on doing maintenance on our accounts? The timing is interesting as well. They waited until the weekend so they wouldn't have to handle the phone calls. FWIW, mine still show zero balance.

Cosmo
by Cosmo
Sat Dec 30, 2017 12:32 pm
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 2997

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

It's unfortunate because I am also unable to contribute to my kid's 529 plans.

Cosmo
by Cosmo
Sat Dec 30, 2017 11:56 am
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 2997

Re: Vanguard online 529 balance not showing

Good morning. I also posted about this issue as well. If you scroll further down, there was already a thread started on this. Apparently it is a widespread problem. Here is the post:

viewtopic.php?f=1&t=236154&newpost=3690 ... ead#unread

Cosmo
by Cosmo
Sat Dec 30, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 67
Views: 7030

Re: Wifi Router Advice

Cunobelinus wrote:
Fri Dec 29, 2017 11:29 pm
Still running dd-wrt on a Linksys WRT-54G. Haven't had any issues since setting it up 8-10 years ago..? I'm surprised routers sell for $100+.

I would upgrade immediately as I am guessing it is no longer supported. I would be very concerned about security vulnerabilities.

Cosmo
by Cosmo
Sat Dec 30, 2017 11:34 am
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 2997

Vanguard 529 Plans Showing Zero Balance

Came across something very alarming this morning. Both of my kid's 529 plan show a zero balance on the Account Overview page! When I drill into the account to see transaction details, poof nothing there. No evidence of any account being there. The only evidence of the accounts even existing are from...
by Cosmo
Sat Dec 23, 2017 11:54 am
Forum: Local Chapters and Bogleheads Community
Topic: @@Happy Holidays Bogleheads. How others here helped you?
Replies: 49
Views: 4324

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

I would like to pile on here and thank all the participants who make a contribution to this group. By far, this is the smartest group of guys and gals that I know. Thank you all for your informative posts and for constantly challenging me in looking at things differently and not just accept the stat...
by Cosmo
Thu Dec 21, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: iPhone 4 troubleshooting
Replies: 15
Views: 1304

Re: iPhone 4 troubleshooting

This happened with an iPhone 4s that I had years ago. I took it into Apple within the 1 year warranty period and all they could do was replace it with a new phone. These things aren't built to last very long, so you should probably get a new phone. Are you kidding me? The iPhone 4 came out in June ...
by Cosmo
Sun Dec 17, 2017 10:12 am
Forum: Investing - Theory, News & General
Topic: Why is Vanguard switching all accounts to brokerage accounts?
Replies: 65
Views: 9950

Re: Why is Vanguard switching all accounts to brokerage accounts?

We fought hard and won - Vanguard agreed to keep our joint accounts as legacy - not brokerage - accounts since we have been with Vanguard over 30 years and have millions with them. We do not like the way Vanguard handles brokerage accounts. We had one brokerage account and every quarter the account...
by Cosmo
Sun Dec 03, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Card declined - blocked country
Replies: 49
Views: 3522

Re: Card declined - blocked country

We get denied from using our credit card when traveling to another state now. Apparently, you need to give the credit card company your complete travel itinerary ahead of time -even if it is within the U.S. American Express and Chase. Same thing. Cosmo I always set travel notifications except with ...
by Cosmo
Sun Dec 03, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 28713

Re: Why not take Social Security at 62

Hi all, Although this decision is a ways off for me, I am doing a little math and research regarding when it's "best" to take Social Security. Most of what I find on the web says to wait at least until age 67 (my full benefit age). I am having a difficult time making the math justify most of what I...
by Cosmo
Sun Dec 03, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Card declined - blocked country
Replies: 49
Views: 3522

Re: Card declined - blocked country

We get denied from using our credit card when traveling to another state now. Apparently, you need to give the credit card company your complete travel itinerary ahead of time -even if it is within the U.S. American Express and Chase. Same thing.

Cosmo
by Cosmo
Sat Dec 02, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 28713

Re: Why not take Social Security at 62

Hi all, Although this decision is a ways off for me, I am doing a little math and research regarding when it's "best" to take Social Security. Most of what I find on the web says to wait at least until age 67 (my full benefit age). I am having a difficult time making the math justify most of what I...
by Cosmo
Wed Nov 08, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Declaring Tutoring Income
Replies: 16
Views: 2829

Re: Declaring Tutoring Income

My wife started providing some tutoring services earlier this year and it unexpectedly grew into more business than she (we) thought. ... Thanks, Cosmo Cosmo, my spouse is considering offering tutoring service in our neighborhood. Could you and others please share how to start and grow a tutoring s...
by Cosmo
Sun Oct 22, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: how often to upgrade phone?
Replies: 44
Views: 3003

Re: how often to upgrade phone?

Yeah, I don't buy it. Stay frugal. Still using my iPhone 3GS. Will probably get a used 6 or 6s in another year or so from Swappa or eBay. Is this even supported by Apple? If you are using it solely as a dumb phone, that would be fine. Otherwise, you would not want to use as there will likely be a l...
by Cosmo
Sun Oct 22, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: how often to upgrade phone?
Replies: 44
Views: 3003

Re: how often to upgrade phone?

I found this statement from the article quite dubious (You could sell after four, but by then your phone will have degraded in performance and battery life quite a bit, so most people will probably upgrade before then.) My last phone was running fine after 5 years, and the only reason I upgraded wa...
by Cosmo
Sun Oct 15, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 60
Views: 5808

Re: Amazon Prime - Decline in Delivery Service?

I have no problems. In fact they seemed to have reduced delivery times and increased reliability. Part of that is related to using USPS and part to running their own trucks around. I live in a metro area that probably is very easy for them to service efficiently. ^This. If anything, the deliveries ...
by Cosmo
Sun Sep 24, 2017 5:47 am
Forum: Personal Consumer Issues
Topic: Hurricane Harvey has me rethinking my approach to disaster preparations
Replies: 72
Views: 7428

Re: Hurricane Harvey has me rethinking my approach to disaster preparations

Was listening to local news radio today on the drive in. An interesting cautionary tale about home buying during hurricane season. One individual just bought a house right before Harvey hit and his previous home was still under contract. Both homes were lost were lost in the storm and neither had f...
by Cosmo
Sun Sep 24, 2017 5:43 am
Forum: Personal Consumer Issues
Topic: Hurricane Harvey has me rethinking my approach to disaster preparations
Replies: 72
Views: 7428

Re: Hurricane Harvey has me rethinking my approach to disaster preparations

I would have left town on 8/23 , I think that's your biggest mistake. You gambled and got lucky and your house didn't flood, but whats to say it would be the case next time. You could have decamped to Austin for a couple of days. Evacuating smaller areas with a harsh storm imminent is a no-brainer,...
by Cosmo
Sun Sep 03, 2017 4:50 am
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 15094

Re: Florida Hurricanes: When and where to go?

Houston has excellent evacuation plans that work given time. So Rita was not the "Last hurricane", Ike was. The problem is they have never been really tested yet since Ike. Since Ike alone, the population has increased around 30%. This will require an even longer amount of time to evacuate safely. ...
by Cosmo
Thu Aug 10, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 83
Views: 9361

Re: Aug. 2017 US total eclipse hotel reservations.

I will believe these traffic issues when I see them. I don't know anyone else who is planning to drive to see the eclipse, most people haven't even heard of it and those that have typically say that they will just watch it from home, not realizing there is a big difference between being in the zone...
by Cosmo
Sun Aug 06, 2017 6:03 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 10487

Re: LED light bulbs

I did some research recently on LEDs because it seemed I was having a lot of failures, especially in the enclosed fixture in my shower. Apparently, some LEDs are not designed to be used in enclosed fixtures because of heat build up. Some of the newer ones are as the result of different design. This...
by Cosmo
Fri Jul 28, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 7046

Re: TSA Pre-check for free

I was told that Pre Check TSA is totally random. My unscientific survey says that we get Pre check TSA 1/6 times. Is it worth it? That's for you to decide. I don't fly enough for it to matter but with Pre Check TSA, you no longer need to be there 1.5 hours ahead of time for domestic flights. Cosmo
by Cosmo
Thu Jul 27, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: Buying a vacation home in San Diego
Replies: 14
Views: 1900

Re: Buying a vacation home in San Diego

Those seven hour or so flights coast to coast are not much fun. Seems like an odd place to buy a vacation home given where you live now. To me, it would make more sense to buy a house there when you are ready to move there and just rent a place for vacations. That way you can vacation in different ...
by Cosmo
Thu Jul 27, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 128
Views: 31396

Re: What you wish you had known entering your late 20's

A lot of people will say things like "I wished I would've started to save earlier" or whatever, but I knew that I should be saving early...it's just a lot harder when you don't have as much money! I have learned this lesson now, but when I get an impulse to purchase something, I should wait a minim...
by Cosmo
Thu Jul 27, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Why is everything done with a mouse?
Replies: 49
Views: 5888

Re: Why is everything done with a mouse?

I guess Personal Consumer is the best subsection for this question. Before this gets locked, could a few Boglehead coders out there just tell me: Everything is so mouse-driven on websites, and before the web, I remember hitting Y or N or a number to move things along. At Vanguard, you can start log...