Search found 115 matches

by Tortuga
Mon Sep 10, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Best Intro Geology Textbooks
Replies: 17
Views: 1103

Re: Best Intro Geology Textbooks

Not a general textbook, but, the "Roadside Geology of [State name]" series is very good, and every big national park we've ever been to has had a gift shop with a book section, and the book section almost always includes the relevant "Roadside Geology" book. .... + 1. This series is a great take-al...
by Tortuga
Mon Jul 16, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 82
Views: 4757

Re: Have you ever purchased a pricy musical instrument?

About 7 years ago I spent over $6000 on a 1931 Gibson Mastertone 5-string conversion banjo. The conversion replaces the original 4-string tenor neck with a newly carved, finished and inlaid 5-string neck. The conversion works well because the sound quality is mostly due to the tone ring and rim of t...
by Tortuga
Wed Feb 07, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: State Income Tax on a grant received
Replies: 4
Views: 452

Re: State Income Tax on a grant received

David:

Thank you for the explanation. It is very clear.

Tortuga
by Tortuga
Thu Feb 01, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: State Income Tax on a grant received
Replies: 4
Views: 452

State Income Tax on a grant received

Bogleheads: I reside in a no income tax state "A" and I am the owner of some undeveloped property in a different state "B". I have the opportunity to apply for a small grant from state "B" for some conservation planning. As I understand it, this grant will be taxable income to me and I will file a S...
by Tortuga
Mon Dec 25, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: How can I obtain compensation data?
Replies: 41
Views: 4978

Re: How can I obtain compensation data?

Mr. Jones: For technical specialties with societies that publish and support them, there are salary surveys that are updated usually yearly. This is normally questionnaire-based from the membership of the society. Many engineering and scientific fields have such societies. The data, of course, are n...
by Tortuga
Mon Oct 30, 2017 11:24 am
Forum: Local Chapters and Bogleheads Community
Topic: Thank you Boglehead.org
Replies: 24
Views: 2798

Re: Thank you Boglehead.org

...and don't forget the "Support this Site" link at the top of the page!

Tortuga
by Tortuga
Thu Oct 12, 2017 4:27 pm
Forum: Forum Issues and Administration
Topic: Getting Malwarebytes warnings on this site
Replies: 18
Views: 3656

Re: Getting Malwarebytes warnings on this site

Great detective work by all!

Thanks,

Tortuga
by Tortuga
Fri Sep 01, 2017 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard - How to combine spouse accounts
Replies: 28
Views: 5931

Re: Vanguard - How to combine spouse accounts

Frisbee:

Vanguard did it for me with one phone call.

Tortuga
by Tortuga
Fri Jul 28, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 7964

Re: TSA Pre-check for free

Momo54:
I fly SWA and get TSA pre-check every time. I have never applied or paid money for this.

Tortuga
by Tortuga
Fri Jun 30, 2017 9:25 am
Forum: Personal Consumer Issues
Topic: Ideas for a week in Spain
Replies: 42
Views: 3551

Re: Ideas for a week in Spain

Victoria: We enjoyed a day trip to Montserrat just north of Barcelona (neat geology and history). It is a 45 minute drive to the base with a tram up to the monastery or you can drive or walk up as well. I am sure there would be public transportation, but we took a car. The country of Andorra in the ...
by Tortuga
Wed May 03, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: best way to get a handle on expenses?
Replies: 16
Views: 1709

Re: best way to get a handle on expenses?

gips: Our monthly checking account statement provides everything we need. All retirement income (SS, RMD, Miscellaneous) is deposited in the one account and all payments are debited from the same account. We scan each statement for any pass-through amounts such as a portion of the income that is re-...
by Tortuga
Mon Feb 06, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Can you hear me scam
Replies: 13
Views: 2350

Re: Can you hear me scam

likegarden wrote:This does not bother us. We only pick up phone calls from people we know, others have to leave a message which most don't do.
+1 Also using "nomorobo" we get a single ring and the sales call is routed elsewhere.

Tortuga
by Tortuga
Sat Jan 28, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Glass top for a new kitchen table
Replies: 15
Views: 1792

Re: Glass top for a new kitchen table

BashDash:

For calculating weight, quarter inch thick glass weighs ~3.27 pounds per square foot. 45 inch diameter round quarter inch glass would weigh nearly 46 pounds. Quarter inch may not be sufficient thickness.

Tortuga
by Tortuga
Sat Dec 31, 2016 9:39 am
Forum: Personal Finance (Not Investing)
Topic: 529 Plan Disbursement Administration
Replies: 4
Views: 528

Re: 529 Plan Disbursement Administration

My sincere thanks to bulbul, Spirit Rider and RudyS for their responses and the information.

Tortuga
by Tortuga
Fri Dec 30, 2016 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Plan Disbursement Administration
Replies: 4
Views: 528

529 Plan Disbursement Administration

I have done some searching on the Wiki and other references to try to answer this question but without luck. If there is a resource I've missed, please direct me to it. I have been contributing to 529 plans for our grandchildren for quite a few years, and now the eldest grandchild is close to the po...
by Tortuga
Wed Nov 23, 2016 12:20 pm
Forum: Investing - Theory, News & General
Topic: Glide Paths : Help with Theory
Replies: 31
Views: 3140

Re: Glide Paths : Help with Theory

EHEngineer: This is a bit simplistic, but why not work on the end points (current allocation and desired allocation at retirement age) and draw a straight line? Unless you have reason to believe that some other curve is optimal you probably won't be far off from the answer that is right for you. Thi...
by Tortuga
Sat Nov 05, 2016 12:37 pm
Forum: Investing - Theory, News & General
Topic: The Wealthy Barber Returns free eBook
Replies: 4
Views: 1805

Re: The Wealthy Barber Returns free eBook

On first read, I thought the Wealthy Barber didn't like the free ebook so he returned it!

Tortuga
by Tortuga
Wed Nov 02, 2016 11:22 am
Forum: Personal Consumer Issues
Topic: Texas [road trip]
Replies: 63
Views: 6443

Re: Texas [road trip]

Stop by and say "hi" to John Wells at The Field Lab. Creative living off the grid near Big Bend NP. Only place I know that you can pet a longhorn by the name of "Ben".

http://thefieldlab.blogspot.com/

Tortuga
by Tortuga
Thu Oct 20, 2016 9:40 am
Forum: Investing - Help with Personal Investments
Topic: How do I calculate my basis for a Mutual Fund.
Replies: 12
Views: 1194

Re: How do I calculate my basis for a Mutual Fund.

Abe:
Make sure you account for any commissions you paid to the broker, such as a front end load or a transaction fee. They will reduce any gain or increase a loss in the calculation.
Tortuga
by Tortuga
Mon Oct 17, 2016 8:56 am
Forum: Investing - Theory, News & General
Topic: diversification across risky assets requires discipline and patience
Replies: 12
Views: 1875

Re: diversification across risky assets requires discipline and patience

Larry:

For me, a very timely contribution. Over the weekend I noticed that my international to total equity ratio hit a re-balance band last week and my exchange order goes to Vanguard today.

Tortuga
by Tortuga
Thu Aug 11, 2016 4:07 pm
Forum: Investing - Theory, News & General
Topic: Wiki - Bogleheads investing startup kit revised
Replies: 11
Views: 1079

Re: Wiki - Bogleheads investing startup kit revised

I didn't look hard, but is there a Wiki piece on "How to Switch from a High-Cost Provider to a Low-Cost Provider". And I think everybody knows what I mean by "High-Cost Provider" since there are many new threads each week asking how to do this. The "Startup Kit" is for folks who do not have a curre...
by Tortuga
Mon Aug 01, 2016 8:30 am
Forum: Investing - Help with Personal Investments
Topic: [del]
Replies: 20
Views: 2165

Re: Stocks Vs Index Fund for 20s

I'll start looking into ideal asset allocations, but do you happen to know of any detailed ways/services to track exactly how all of my investments are distributed? Thanks! I believe you said you are studying to become an engineer. You therefore should be competent with Excel or other spreadsheets....
by Tortuga
Tue Jul 05, 2016 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: When to Count Social Security
Replies: 28
Views: 2520

Re: When to Count Social Security

Toons wrote:I started counting Social Security when,
I received my first payment. :happy
+1
by Tortuga
Wed Jun 01, 2016 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 702
Views: 114100

Re: High Earners - What's Your Profession?

Geologist/Manager with Big Oil
by Tortuga
Fri May 20, 2016 4:18 pm
Forum: Personal Consumer Issues
Topic: Is living in the Bay Area this difficult?
Replies: 49
Views: 9606

Re: Is living in the Bay Area this difficult?

Did someone mention earthquakes? L. This should not be overlooked. Quality of life will be impacted at some indeterminate time for an indeterminate length of time for anyone living in an active tectonic area. There are natural disasters available for almost any area of the U.S. but the Bay Area ran...
by Tortuga
Mon May 16, 2016 10:28 am
Forum: Personal Consumer Issues
Topic: Any beekeepers out there?
Replies: 35
Views: 3542

Re: Any beekeepers out there?

coachz: I had 8-10 hives in the 80's and 90's in SF bay area. Bought queens from a local breeder and was active in two local beekeeping associations. Also did a lot of swarm capture for the local population. As for work involved it can be substantial but not overwhelming. A full box of brood frames ...
by Tortuga
Wed May 04, 2016 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Gifting Valuable Stock to Charity
Replies: 9
Views: 1055

Re: Gifting Valuable Stock to Charity

Just confirmed Vanguard Charitable $25,000 minimum initial balance. For accounts that drop below $15,000, there is a $100 account maintenance fee that is assessed in March.

tortuga
by Tortuga
Thu Feb 18, 2016 12:02 pm
Forum: Personal Consumer Issues
Topic: I do not know how to back up my computer
Replies: 72
Views: 6917

Re: I do not know how to back up my computer

Always Sync 'n Go http://allwaysync.com/ works well for us copying to an attached local drive. There is a free manual version which we run a couple of times a week or a subscription gets automatic synchronization instantaneously. For nightly automatic off-site backup we use Jungle Disk https://www.j...
by Tortuga
Wed Feb 03, 2016 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Self employed - do you use Quick Books or other tools
Replies: 9
Views: 992

Re: Self employed - do you use Quick Books or other tools

QuickBooks is good...if you know accounting. Yes, this was our problem. We are about 8 months in and for a one-person small manufacturing shop it was straightforward to set up an Excel workbook with multiple tabs: Business miles, Capital Expense, Small Tools Expense, Cost of Consumables, Operating ...
by Tortuga
Thu Dec 31, 2015 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Role of CPA
Replies: 25
Views: 2581

Re: Role of CPA

IN: I will be interested in responses to this as well. My experience with a CPA in a moderately sized firm is that they are not proactive with my tax strategy. The firm sends out published tax memos (not written by them) and my person will respond at length to any question that I ask, often with wri...
by Tortuga
Wed Dec 23, 2015 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Donor Advised funds are not eligible for QCD's
Replies: 3
Views: 567

Donor Advised funds are not eligible for QCD's

Bogleheads: This was a surprise! I was planning on using recently passed legislation to make a Qualified Charitable Distribution from my TIRA but I could not find a mechanism on the Vanguard Charitable (VC) web site -- so I asked VC directly. This is part of the email response I got from VC yesterda...
by Tortuga
Thu Nov 26, 2015 1:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Thanksgiving
Replies: 6
Views: 1158

Re: Happy Thanksgiving

+1
Tortuga
by Tortuga
Wed Nov 11, 2015 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Charitable Giving Through Fidelity
Replies: 24
Views: 2032

Re: Charitable Giving Through Fidelity

bengal22:
You are correct that the initial contribution to the Vanguard DAF has a minimum of $25,000, but the account can fall below that value. At $15,000 or less there is an additional assessed yearly fee of, I believe, $250.

tortuga
by Tortuga
Tue Nov 10, 2015 5:49 pm
Forum: Investing - Theory, News & General
Topic: New CD management in Ally online banking
Replies: 5
Views: 1403

Re: New CD management in Ally online banking

Thanks for this Kevin! Really valuable.

(Using Firefox) I managed my CD close at maturity in about 10 minutes.

Tortuga
by Tortuga
Mon Nov 09, 2015 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-MISC income and Roth
Replies: 5
Views: 946

Re: 1099-MISC income and Roth

DSInvestor:

Thanks, I had considered that but it doesn't look like I will get above my Roth level for this year. Perhaps next.....?

Tortuga
by Tortuga
Mon Nov 09, 2015 11:44 am
Forum: Personal Finance (Not Investing)
Topic: 1099-MISC income and Roth
Replies: 5
Views: 946

Re: 1099-MISC income and Roth

cherijoh and hikerNC:

Thank you very much for the reply and the good suggestions.

Tortuga
by Tortuga
Mon Nov 09, 2015 11:08 am
Forum: Personal Finance (Not Investing)
Topic: 1099-MISC income and Roth
Replies: 5
Views: 946

1099-MISC income and Roth

Bogleheads: This year, for a variety of reasons, we find ourselves in a lower tax bracket than we expect to have in the future. Our income from RMD's and some deferred compensation will be below the Roth $ limits. There is no W-2 income this year, but I have received a small amount of 1099-MISC inco...
by Tortuga
Fri Nov 06, 2015 5:51 pm
Forum: Investing - Theory, News & General
Topic: Advance Request to Not Renew Ally Bank CDs at Maturity
Replies: 6
Views: 1170

Re: Advance Request to Not Renew Ally Bank CDs at Maturity

Thanks, Kevin, this is something I will have to do next May and I was kind of wondering about the process.

Tortuga
by Tortuga
Wed Oct 14, 2015 8:02 am
Forum: Investing - Help with Personal Investments
Topic: Older Investors Seeking Guidance
Replies: 31
Views: 3219

Re: Older Investors Seeking Guidance

MaggieBianca:

I haven't read through the entire thread but if not already suggested, the Garrett Planning Network is a good resource for fee-only advisors.
http://www.garrettplanningnetwork.com/

Good Luck,

Tortuga
by Tortuga
Tue Sep 29, 2015 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest way to form an LLC
Replies: 16
Views: 2145

Re: Cheapest way to form an LLC

ThankYouJack: We just went through the process. It probably varies from state to state, but here in Texas is a simple 3 or 4 page form that gets sent with $300 filing fee to the Texas Secretary of State. You then have reporting responsibilities for Franchise Tax filing before April of the following ...
by Tortuga
Wed Sep 16, 2015 11:46 am
Forum: Investing - Theory, News & General
Topic: Vanguard updates frequent-trading policy
Replies: 60
Views: 9292

Re: Vanguard updates frequent-trading policy

This is a very welcome change. Thanks for posting.

Tortuga
by Tortuga
Wed Sep 16, 2015 11:32 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 380
Views: 74796

Re: Roll Call for the Retirement Class of 2014!

On May 1, 2014 I retired after 43 years in the oil patch. Now spend my time bird watching, doing a bit of woodworking, and supporting my wife in her small business startup. I still enjoy reading the forum and planning the family finances.

Tortuga
by Tortuga
Fri Jul 03, 2015 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: How to check annualized return
Replies: 15
Views: 1931

Re: How to check annualized return

lumberingc:

If you are comfortable using a computer spreadsheet I recommend the model designed by Boglehead longinvest

viewtopic.php?t=150025

Tortuga
by Tortuga
Fri Jul 03, 2015 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: I feel restless........not sure what to do, and which route to take!
Replies: 11
Views: 3376

Re: I feel restless........not sure what to do, and which route to take!

+1 Lady Geek As a personal recommendation, if it is not already planned, I would include the spouse in creating the Investment Policy Statement. It is amazing how much trouble can be avoided by sharing in advance of committing to a course of action. You may find that several of your decisions are mo...
by Tortuga
Sun May 03, 2015 9:40 pm
Forum: Forum Issues and Administration
Topic: Notifications temporarily disabled
Replies: 1
Views: 1999

Re: Notifications temporarily disabled

Thanks Alex. Appreciate everything you do.

Tortuga
by Tortuga
Thu Mar 26, 2015 3:24 pm
Forum: Investing - Theory, News & General
Topic: "TIPS. Love them or leave them?"
Replies: 16
Views: 2604

Re: "TIPS. Love them or leave them?"

Taylor: Thank you for linking the article. Looking at the TIPS portion of our portfolio (both individual TIPS and VAIPX) using Boglehead longinvest's return spread sheet it has given us a 3 year portfolio return of 1.9%. To us that is not expensive insurance for the damage that inflation could pose ...