Search found 1057 matches

by Chuck T
Wed Jun 27, 2012 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Need Assistance with a Basic Calculation
Replies: 20
Views: 1362

Re: Need Assistance with a Basic Calcualtion

What year are you talking about? 2012 is a leap year. It has 366 days. Is "per annum" 365 or 366 days? Or are you using a banker's year of 360 days? See wikipedia on day counting: http://en.wikipedia.org/wiki/Day_count_convention Interesting question. I am assuming calendar year 2012. As you point ...
by Chuck T
Wed Jun 27, 2012 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Need Assistance with a Basic Calculation
Replies: 20
Views: 1362

Re: Need Assistance with a Basic Calcualtion

nodenuff2 wrote:24000000 x .0725 = 174000 x 83/365 - .22 = 38280.
When I do this calculation on my calculator I get $39567.1233. Is this incorrect? can you help me understand what I am doing wrong. Thanks
by Chuck T
Wed Jun 27, 2012 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Need Assistance with a Basic Calculation
Replies: 20
Views: 1362

Re: Need Assistance with a Basic Calcualtion

nodenuff2 wrote:24000000 x .0725 = 174000 x 83/365 - .22 = 38280.

Why do you subtract .22 at the end? I am confused by that. Thanks
by Chuck T
Wed Jun 27, 2012 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Need Assistance with a Basic Calculation
Replies: 20
Views: 1362

Need Assistance with a Basic Calculation

Assuming an amount of $2,400,000 earning an interest rate of 7.25% per annum I am trying to figure the interest amount for an 83 day period. Can you help me? The older I get the dumber I get. Thanks
by Chuck T
Thu Mar 22, 2012 4:26 pm
Forum: Personal Consumer Issues
Topic: Does anyone use a wireless internet radio?
Replies: 17
Views: 2282

Re: Does anyone use a wireless internet radio?

I have owned and used for over 4 years an Internet radio made by Grace. It accesses my home wifi network which is connected via cable modem to our local cable provider. I have not had any issues of connectivity or reliability. I listen to news programs and sporting events on stations from all over t...
by Chuck T
Sun Jan 15, 2012 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Advice for graduating medical school couple
Replies: 53
Views: 5422

Re: Advice for graduating medical school couple

Lovenox11 Welcome to the forum and congrats on your personal and professional accomplishments. I am not a doc but there are many on the forum and I am sure they will comment shortly. One of our very active members is EmergDoc. You may want to search the forum for some of his posts geared toward help...
by Chuck T
Sat Dec 31, 2011 4:15 pm
Forum: Investing - Theory, News & General
Topic: 2011 Returns Thread
Replies: 137
Views: 13298

Re: 2011 Returns Thread

Portfolio is 40/60. For the year I am +0.89%. Barely up. My bond funds did great, but my stock funds evenly split US/Intl and LC/SC did poorly.
by Chuck T
Mon Dec 19, 2011 7:52 pm
Forum: Investing - Theory, News & General
Topic: Grok's Tip #11: Take Grok's pledge!
Replies: 162
Views: 26645

Re: Grok's Tip #11: Take Grok's pledge!

I am pleased to say I am fully compliant and will remain so. Thanks Grok
by Chuck T
Sun Nov 27, 2011 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Retired Fed. Employee FEHB Health Plan
Replies: 15
Views: 1863

Re: Retired Fed. Employee FEHB Health Plan

My FEHB BC/BS Standard costs $175/month. My wife gets insurance cheaper thru her former employer. Your rates sound very high. I think you may be comparing your self only BC/BS coverage to the OP's Standard Option Family Plan which provides coverage to both him and his wife and would cover children ...
by Chuck T
Sun Nov 27, 2011 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Retired Fed. Employee FEHB Health Plan
Replies: 15
Views: 1863

Re: Retired Fed. Employee FEHB Health Plan

Please keep in mind that the FEHB BC/BS Standard Option Family plan that costs $430 per month provides better coverage (IMO) than Medigap Plan F and also provides better coverage than Medicare Part D (drug plan). Also, the Medicare Part B cost will be reduced in 2012 from the $110 you mentioned to a...
by Chuck T
Sat Nov 26, 2011 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Vanguard ST Bond Index Fund Going Down???
Replies: 31
Views: 3718

Re: Why is Vanguard ST Bond Index Fund Going Down???

Until you fully understand bond funds you would probably be better served investing in a mm fund or a federally insured cd. At least you will sleep better at night. Good luck.
by Chuck T
Fri Nov 25, 2011 12:16 pm
Forum: Personal Consumer Issues
Topic: What was your very first job
Replies: 103
Views: 6520

Re: What was your very first job

I delivered the Baltimore Sun (evening and Sunday) papers 7 days a week. Delivered about 150 daily and 250 on Sundays. Made route collections for the newspapers every two weeks. Don't you know people preferred the larger heavier Sunday paper to the weekday edition. It lasted until I was 16 and began...
by Chuck T
Mon Oct 31, 2011 7:02 pm
Forum: Personal Consumer Issues
Topic: Justifying 2007 Acura MDX purchase
Replies: 42
Views: 3264

Re: Justifying 2007 Acura MDX purchase

I have owned an 06 MDX for the last 4 yrs. I bought it used when it came off lease. It had 28k miles on it. today it has 80k miles and has been a wonderful vehicle. I hope to keep it for many more years.
by Chuck T
Thu Oct 06, 2011 2:59 pm
Forum: Investing - Theory, News & General
Topic: Why should I stop tinkering and re-reading TrevH's charts?
Replies: 29
Views: 4973

Every time I see TrevH's monthly charts, the great performance of Wellesley Income Fund jumps out at me (especially now days.) Wellesley is my only fund. "Keep Investing Simple." -Jack Bogle [/quote] I think you mean Madsinger's (Brad's) monthly charts not TrevH. It has been a long time since TrevH...
by Chuck T
Wed Oct 05, 2011 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking opinions re Acura MDX, Lexus RX-350, & Audi Q-5
Replies: 33
Views: 5724

I bought the Acura MDX approximately 3 yrs ago. Great vehicle. Haven't done anything to it other than routine service. It runs great, breaks well, rides great and seems like a good value. It is slightly wider than the Lexus and as a result is more roomy. I would not hesitate to buy another MDX. Keep...
by Chuck T
Wed Sep 28, 2011 3:09 pm
Forum: Personal Consumer Issues
Topic: visiting Baltimore
Replies: 39
Views: 4596

Being a history buff I would suggest you take the short cab ride to visit Ft McHenry (home of the Star Spangled Banner). Camden yards area is fine. Visit the B&O museum while there and go to the aquarium and inner harbor.
by Chuck T
Mon Sep 26, 2011 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: New Admiral Shares
Replies: 15
Views: 3389

Re: New Admiral Shares Available Now

It appears that Admiral shares for the nine index funds mentioned in the Vanguard article: https://advisors.vanguard.com/VGApp/iip/site/advisor/researchcommentary/research/article/IWE_NewsUltraLow are now available. (Well at least small-value is, I don't have the others.) -Dave Neither Small Cap Va...
by Chuck T
Thu Sep 22, 2011 9:27 pm
Forum: Forum Issues and Administration
Topic: Characters too large for screen need help
Replies: 3
Views: 1007

thank you

theghetto

Thanks so much for your reply. I followed your instructions and it worked great. I appreciate your assistance. Chuck
by Chuck T
Thu Sep 22, 2011 6:15 pm
Forum: Forum Issues and Administration
Topic: Characters too large for screen need help
Replies: 3
Views: 1007

Characters too large for screen need help

I need some help yesterday while viewing Bogleheads threads th font size I was viewing changed from is normal size to very very large. It is so large that I can't view more than a few characters of each line on the screen. Probably hit a strange key combination. Any ideas how to correct this problem...
by Chuck T
Fri Sep 16, 2011 10:54 am
Forum: Investing - Theory, News & General
Topic: Retirement Calculators and Spending Models
Replies: 74
Views: 15782

Prune and LadyGeek

Thanks to you for all the work you have put into this subject. You have provided us with valuable tools for our use on the wiki.
by Chuck T
Thu Sep 15, 2011 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Is portfolio too conservative?
Replies: 28
Views: 3982

E I don't think you are missing anything. I assume the phrase "looking for work" means you aren't employed. If this is wrong please clarify. With respect to your portfolio it appears you are keeping roughly your age in fixed income assets. Personally I see nothing wrong with this approach. I am a li...
by Chuck T
Fri Aug 26, 2011 6:08 pm
Forum: Personal Consumer Issues
Topic: Decent (Cheap) Phone for International Travel?
Replies: 19
Views: 4736

I have a friend that bought a cheap GSM unlocked phone and sim card from this site for international travel. Check the website for details to see if it is a good fit for you. www.telestial.com
by Chuck T
Wed Aug 17, 2011 1:30 pm
Forum: Personal Consumer Issues
Topic: Comfortable Vehicle Front Seats
Replies: 105
Views: 21383

I have a late model Toyota Camry and Nissan Altima. The Camry is the top of the line model and the Altima is the basic model. The Altima by far has the more comfortable front seats. Everyone in my extended family agrees. Suggest you go to a dealership and try them for yourself. Good luck.
by Chuck T
Wed Aug 10, 2011 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: What will be the low for S&P 500?
Replies: 24
Views: 3124

Haven't a clue. No one does.
by Chuck T
Sun Aug 07, 2011 4:13 pm
Forum: Personal Consumer Issues
Topic: Samsung Galaxy S2 Cell Phone or another Adroid Smart phone
Replies: 9
Views: 1755

I have a HTC Incredible and am pleased with the phone. It however is CDMA only. The newer HTC Incredible 2 is both CDMA and GSM capable. You may want to check into it.
by Chuck T
Sun Aug 07, 2011 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody remember slide rules?
Replies: 54
Views: 4486

Still have mine right here in my top desk drawer.
by Chuck T
Fri Aug 05, 2011 11:40 am
Forum: Investing - Theory, News & General
Topic: August 4 2011: The last two weeks have cost me...
Replies: 42
Views: 5079

Bobby Looks like your poll choices assume that one is still working and accumulating. It does not consider the impact that the market drop has on those of us that are retired and no longer in the labor pool. Looks a lot different when you have a major drop while withdrawing from your portfolio to pr...
by Chuck T
Thu Aug 04, 2011 10:38 pm
Forum: Investing - Theory, News & General
Topic: Anyone Hitting Their Bands This Week?
Replies: 45
Views: 6866

I was getting close before this week. Too much in stock funds. Would have needed to sell stocks and buy bond funds. Today took care of that for me. Guess I am set for the next market runup.
by Chuck T
Thu Aug 04, 2011 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 50606

BigD53 wrote:Remember folks, it's only money.

And McDonald's will open as usual tomorrow, so all you old guys can still get your egg McMuffy and $1 coffee. :lol:
For us old guys the senior coffee is $.55.
by Chuck T
Thu Aug 04, 2011 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Can't stay the course
Replies: 94
Views: 15056

Krem Welcome to the forum. Like you, my portfolio is also 40/60. Unlike you however, I am retired and 65. At my age, I have seen the markets go up and the markets go down many times. As you know, your AA is a personal decision, that should be based on your ability, need and willingness to take risk....
by Chuck T
Sun Jul 31, 2011 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation vs. Tax Efficiency Questions
Replies: 15
Views: 1619

That planner viewed you as a free lunch. Run as fast as you can in the other direction. You may want to post the details of your financial situation, required expenses and portfolio on this site for comments and recommendations. I did that when I first joined BH and found it very constructive. If yo...
by Chuck T
Sun Jul 31, 2011 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation vs. Tax Efficiency Questions
Replies: 15
Views: 1619

See following post.
by Chuck T
Sun Jul 31, 2011 9:32 am
Forum: Personal Consumer Issues
Topic: Smart Phone on Page Plus
Replies: 11
Views: 2342

Chuck T, Thanks for the info.. I am looking at this too. At kitty they recommend the Eris on one of the threads... read before, can't find link now. Is there a good list of all smartphones that work on PP? I know the iPhone wouldn't and probably the latest Verizon phones... but somewhere I could re...
by Chuck T
Sat Jul 30, 2011 2:51 pm
Forum: Personal Consumer Issues
Topic: Smart Phone on Page Plus
Replies: 11
Views: 2342

If you are just looking for a smartphone for Wifi you might want to look at the Palm Pixi Plus. It doesn't run the Android os but rather the Palm OS. I have a friend that has one It is great for Wifi. A new one can be purchased for around $55.
by Chuck T
Sat Jul 30, 2011 2:48 pm
Forum: Personal Consumer Issues
Topic: Smart Phone on Page Plus
Replies: 11
Views: 2342

I don't plan on using data, just wifi. Did you buy your phones new or used? You will still need to guard against apps on your phone automatically starting and using data. To do so I run two free apps called "3G watchdog" and "Advanced Task Killer". I bought both my HTC Eris and HTC Incredible used....
by Chuck T
Sat Jul 30, 2011 10:52 am
Forum: Personal Consumer Issues
Topic: Smart Phone on Page Plus
Replies: 11
Views: 2342

I have been on Page Plus for a couple of years now. I use Kitty Wireless to access Page Plus. Kitty Wireless excels at customer service. I use a smartphone. Formerly I used the HTC Eris and now I use the HTC Incredible. They work great on Page Plus. Wifi works well. I use it often. You have to insur...
by Chuck T
Fri Jul 29, 2011 11:51 am
Forum: Personal Consumer Issues
Topic: Have you been present at the moment of someone's death?
Replies: 42
Views: 5343

Yes I have. More times than I care to mention. Never a pleasant experience.
by Chuck T
Wed Jul 27, 2011 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: SSA "doesn't know" if benefits will be paid
Replies: 21
Views: 3029

IMO it is all a scare tactic by the administration to upset seniors. Your check will be in the bank on the date it is supposed to be. Based on my birth date (12th) I get mine on the 3rd Wednesday.
by Chuck T
Sun Jul 24, 2011 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Government Retiree Medicare Question
Replies: 34
Views: 3625

"Usually, you don’t pay a late enrollment penalty if you sign up during a Special Enrollment Period . ... Note : If you have COBRA coverage or a retiree health plan , you don’t have coverage based on current employment. You’re not eligible for a Special Enrollment Period when that coverage ends." C...
by Chuck T
Sun Jul 24, 2011 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Government Retiree Medicare Question
Replies: 34
Views: 3625

Victoria and Others I just copied the following excerpt form the Medicare.Gov website. I hope I am not violating copyright laws by posting it here. I am doing so to clarify the issue of a 10% per year penalty for not signing up for Medicare Part B when retired and first eligible. Hope it helps. "Spe...
by Chuck T
Sun Jul 24, 2011 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Government Retiree Medicare Question
Replies: 34
Views: 3625

As someone else said, Part B is not mandatory but if you fail to sign up for it when first eligible you will pay a penalty when you do sign up of 10% per year. I think the penalty does not apply to those who have another plan such as FEHB. Victoria Regrettably that is not correct. My reading of the...
by Chuck T
Sun Jul 24, 2011 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Government Retiree Medicare Question
Replies: 34
Views: 3625

Re: federal employees and medicare.

Hi. I too am a federal retiree. I found three very helpful resources to investigate before making an informed decision about medicare and fehb plans: go to federalsoup.con, google federal commentator Mike Causey, and lastly Google Walton Francis. You might consider medicare a& b as your primary pla...
by Chuck T
Sat Jul 23, 2011 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Government Retiree Medicare Question
Replies: 34
Views: 3625

I am a retired federal employee. I have Medicare Part A and Part B. This is my primary coverage. I continue to carry BC/BS Standard Option under the FEHB. The BC/BS is secondary or the equivalent of a medigap insurance policy coupled with Part D for Prescription drug coverage. The deductibles and c...
by Chuck T
Sat Jul 23, 2011 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Government Retiree Medicare Question
Replies: 34
Views: 3625

I forgot to mention that on the NARFE.ORG website (National Assn of Retired and Active Federal Employees) there is an article that addresses the issues related to whether it makes sense for a retired Federal employee to signup for Medicare. It is worth reading. Try this link for the article. http:/...
by Chuck T
Sat Jul 23, 2011 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Government Retiree Medicare Question
Replies: 34
Views: 3625

I forgot to mention that on the NARFE.ORG website (National Assn of Retired and Active Federal Employees) there is an article that addresses the issues related to whether it makes sense for a retired Federal employee to signup for Medicare. It is worth reading. Try this link for the article. http://...
by Chuck T
Sat Jul 23, 2011 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Government Retiree Medicare Question
Replies: 34
Views: 3625

I was under the assumption that once you reach certain age, you had to sign up for Medicare. And any other insurance would become a secondary provider. Part B is optional. I take it this means that Part A is not optional? Would someone care to give a short sentence on what these parts are? Let me t...
by Chuck T
Mon Jul 18, 2011 3:24 pm
Forum: Wiki and Reference Library
Topic: Grok's Investment Tips: (--> Wiki)
Replies: 14
Views: 23971

I wonder if Grok has a #10 in the works. I have found the first 9 extremely informative and useful given my situation. Thanks Grok. Chuck
by Chuck T
Sun Jul 03, 2011 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Free anti-virus protection
Replies: 45
Views: 4772

I have used AVG for a number of years.

In addition, I use Malware Bytes for spyware detection and removal and a tool called Advanced Ssystem Care for general operating system registry and disk cleanup. (I prefer it to CCCleaner)

They are all free and top quality products IMO. Chuck
by Chuck T
Mon Jun 27, 2011 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: When doing an AA model do you consider
Replies: 10
Views: 1415

I count cash in my AA as part of my FI. However, I must admit that I don't keep a great deal of money in cash. I do have a fairly large sum in a short term bond index fund.
by Chuck T
Sun Jun 26, 2011 6:01 pm
Forum: Personal Consumer Issues
Topic: What do you pay for house-cleaning services?
Replies: 82
Views: 18937

$85 every other week to have our 3000 sq ft house cleaned. The lady who does the work is thorough and well worth the money we pay.