Search found 94 matches

by Colorado Guy
Sun Jun 14, 2020 10:13 am
Forum: Investing - Theory, News & General
Topic: Utilities - Does anyone own some?
Replies: 69
Views: 3957

Re: Utilities - Does anyone own some?

About a month ago, I purchased some VPU (Vanguard Utilities ETF) for my retirement account. I had a bond mature and with rates so incredible low, I chose to increase my equity exposure with some utilities rather than reinvesting in bonds. I know it is not a bond substitute per se, but they do creat...
by Colorado Guy
Wed Jun 10, 2020 8:54 pm
Forum: Personal Consumer Issues
Topic: I think I need a new computer
Replies: 135
Views: 7296

Re: I think I need a new computer

So it appears you may have a software conflict problem. While troublesome to dig out, it could be a low cost solution. Try this first before any SSD purchase. Agree with your thoughts on uninstall and then reinstall Avast. Sometimes programs just get corrupted or conflicts with other systems. guess ...
by Colorado Guy
Wed Jun 10, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: I think I need a new computer
Replies: 135
Views: 7296

Re: I think I need a new computer

My current one is just getting too slow. The lag is unbearable. Sometimes I click on something and wait 10-15 seconds for the computer to catch up. As your computer is "getting too slow", that suggests there are programs running in the background that could be slowing things down. You cou...
by Colorado Guy
Wed Jun 10, 2020 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Evaluating lump sum pension offer
Replies: 67
Views: 3689

Re: Evaluating lump sum pension offer

TimeLord, When do you have to make a decision? Pensions are complex structures, and differ quite a bit between companies. I just retired, and per my megacorp pension (from long ago), I have to make a lump sum/monthly pension decision before age 70, which is still several years away. Your pension may...
by Colorado Guy
Sun Jun 07, 2020 8:41 am
Forum: Personal Investments
Topic: Retirees: what is your AA?
Replies: 80
Views: 4124

Re: Retirees: what is your AA?

Looks like I'm not too far off the Bogleheads mainstream. Retired just before this year's crises hit (great sense of timing on my part). In the past I have been more of a "set it and forget it" type (even before I heard of J. Bogle and this forum). Approximately 50/45/5 (stock, bonds, cash...
by Colorado Guy
Wed Jun 03, 2020 4:57 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3229
Views: 555940

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

Up 9.8% as of this morning. That is interesting, as the market is still down from peak Feb values. What actions did you take, and/or what is unique in your portfolio to achieve this? One reason is likely because it is a YTD thread not a from the peak thread.Another if if they are talking ROI or por...
by Colorado Guy
Wed Jun 03, 2020 9:26 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3229
Views: 555940

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

marti038 wrote: Wed Jun 03, 2020 9:14 am Up 9.8% as of this morning.
That is interesting, as the market is still down from peak Feb values. What actions did you take, and/or what is unique in your portfolio to achieve this?
by Colorado Guy
Sat May 30, 2020 12:12 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 185
Views: 19629

Re: Pandemic buys that have improved quality of life?

LadyGeek wrote: Sat May 30, 2020 8:20 am ^^^ A google search for "pizza substitute" comes up with a number of suggestions. Perhaps you can find something close?
https://www.youtube.com/results?search_query=keto+pizza
by Colorado Guy
Fri May 01, 2020 11:01 am
Forum: Investing - Theory, News & General
Topic: Why do I have Vanguard Tax-Exempt funds?
Replies: 27
Views: 3223

Re: Why do I have Vanguard Tax-Exempt funds?

dratkinson, Lots of material for me to digest! What are the benefits of using munis? --Higher TEY. (I only consider muni funds with higher TEY than TBM.) --Lower fed AGI. --Helps to protect QDI and LTCG tax benefits. All of these increase our after-tax income. So if you're only considering lackluste...
by Colorado Guy
Thu Apr 30, 2020 8:45 am
Forum: Investing - Theory, News & General
Topic: Why do I have Vanguard Tax-Exempt funds?
Replies: 27
Views: 3223

Re: Why do I have Vanguard Tax-Exempt funds?

Borrowing a quote, John C. Bogle said that the best piece of investment advice he had ever gotten was one from a seasoned investment professional just after he began working: "Nobody knows nothing." I know a bit less than that. OP. If you own recommended muni funds, and don't need to sell ...
by Colorado Guy
Wed Apr 29, 2020 10:09 am
Forum: Investing - Theory, News & General
Topic: Why do I have Vanguard Tax-Exempt funds?
Replies: 27
Views: 3223

Re: Why do I have Vanguard Tax-Exempt funds?

I don’t think there’s anything wrong with holding onto the intermediate fund for some more fixed income diversification and to have a bond holding in a taxable account. I can’t see holding onto all three. Tax exempt is currently yielding higher than treasuries regardless of tax bracket. Higher perc...
by Colorado Guy
Fri Apr 24, 2020 3:40 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 258
Views: 22471

Re: What are you doing for haircuts due to coronavirus shutdown?

It's been so difficult to find a decent hair clipper kit in stock. I've been searching online for days with no luck. The soonest Amazon can deliver a not-so-good Conair kit is in May. No luck finding the nicer Wahl Elite Pro, Wahl Color Pro or Wahl Self cut pro anywhere. Also none in my local Craig...
by Colorado Guy
Thu Apr 23, 2020 8:54 am
Forum: Personal Investments
Topic: Vanguard Personal Advisor vs Robo Advisors? (Looking at switching from EJ)
Replies: 14
Views: 960

Re: Vanguard Personal Advisor vs Robo Advisors? (Looking at switching from EJ)

northshore160 wrote: Thu Apr 23, 2020 8:40 am Does Vanguard PAS offer index funds or just target date funds?
Both.

EDIT: corrected quoted post.
by Colorado Guy
Thu Apr 23, 2020 8:51 am
Forum: Personal Investments
Topic: Vanguard Personal Advisor vs Robo Advisors? (Looking at switching from EJ)
Replies: 14
Views: 960

Re: Vanguard Personal Advisor vs Robo Advisors? (Looking at switching from EJ)

I was looking at the Vangaurd Digital Advisor or the Vanguard Personal Advisor Services. I like the idea of an advisor because I do like to have some hand holding now and again. I was also looking at the Schwab robo advisor. When I consolidated a number of funds to Vanguard, I used their PAS. Their...
by Colorado Guy
Mon Apr 20, 2020 10:45 am
Forum: Investing - Theory, News & General
Topic: Why do I have Vanguard Tax-Exempt funds?
Replies: 27
Views: 3223

Re: Why do I have Vanguard Tax-Exempt funds?

Is your tax-advantaged space full of bonds with zero equities or other non-bond holdings? For my IRA, I have mostly bonds, plus VFIDX (Vanguard Intermediate-Term Investment-Grade Fund Admiral Shares) and VFSUX (Short-Term) mutual funds. Interestingly, both the VFIDX and the tax exempt bonds have th...
by Colorado Guy
Sun Apr 19, 2020 6:45 pm
Forum: Investing - Theory, News & General
Topic: Why do I have Vanguard Tax-Exempt funds?
Replies: 27
Views: 3223

Re: Why do I have Vanguard Tax-Exempt funds?

Hi Colorado Guy. I asked myself the same thing. Without RMD'S this year i will be in 12% bracket and maybe 22% next year. I had tax exempt along with TSM and Int. Bond Index in taxable. I sold all tax exempt and put it in the Int, bobd fund per my AA. It wasn't the market that did it but more simpl...
by Colorado Guy
Sat Apr 18, 2020 12:35 pm
Forum: Investing - Theory, News & General
Topic: Why do I have Vanguard Tax-Exempt funds?
Replies: 27
Views: 3223

Re: Why do I have Vanguard Tax-Exempt funds?

Generally, investors use tax-exempt bond funds when they have a non-low marginal income tax rate. Am above the "low maginal income tax rates", and will be making a bit this year as well. That should change for 2021 (taxes in 2022). Am digging into past threads on these funds as well. Have...
by Colorado Guy
Sat Apr 18, 2020 12:28 pm
Forum: Investing - Theory, News & General
Topic: Why do I have Vanguard Tax-Exempt funds?
Replies: 27
Views: 3223

Re: Why do I have Vanguard Tax-Exempt funds?

GoldenFinch wrote: Sat Apr 18, 2020 12:17 pm Are they not showing a gain because the dividends were reinvested? Aren’t the dividends most of the gain in the case of bonds?
I believe that is correct. So, you're right, there has been some appreciation. I was looking at the Vanguard gain/loss table this AM which led to my questions.
by Colorado Guy
Sat Apr 18, 2020 12:06 pm
Forum: Investing - Theory, News & General
Topic: Why do I have Vanguard Tax-Exempt funds?
Replies: 27
Views: 3223

Why do I have Vanguard Tax-Exempt funds?

As a new retiree, I have been looking at some of my allocations to potentially simplify things. Would appreciate your expertise and perspective. When I consolidated funds to Vanguard several years ago, I used the PAS services, as I definitely needed the help. The PAS adviser recommended diversifying...
by Colorado Guy
Tue Apr 14, 2020 8:56 am
Forum: Personal Investments
Topic: 401k Excess Deferral and Taxes
Replies: 5
Views: 249

Re: 401k Excess Deferral and Taxes

So I accidentally over contributed to my 401k in 2019 due to having two jobs and not being careful with my calculations. I just went through this as well, except starting with 2018 over contributions. I will say that TurboTax is your friend in all of this, and while there are a number of steps, Tur...
by Colorado Guy
Mon Apr 13, 2020 9:56 am
Forum: Investing - Theory, News & General
Topic: Leaving VTABX - Options?
Replies: 2
Views: 222

Leaving VTABX - Options?

My IRA has bond funds in VTABX, Vanguard Total International Bond Index Fund Admiral Shares (26%), and VBTLX, Vanguard Total Bond Market Admiral Shares (74%). Now retired, am reassessing my personal international exposure, and have been slowly removing myself from International Stocks, and now looki...
by Colorado Guy
Sat Apr 11, 2020 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for 2020 Retirement Admidst Employer CV-19 Issues
Replies: 42
Views: 3199

Re: Strategy for 2020 Retirement Admidst Employer CV-19 Issues

I agree with Strayshot, one cannot perform as a Senior Manager effectively at 3 days a week. Execs will notice, and as they are already under stress, there is no telling how they will react. You don't want them to react in haste. When I retired this year (Feb 28), my company paid me for my unused PT...
by Colorado Guy
Sun Apr 05, 2020 10:23 am
Forum: Personal Investments
Topic: Using Vanguard Personal Advisor Services
Replies: 30
Views: 1262

Re: Using Vanguard Personal Advisor Services

Thanks for the help. As far as no bonds in the picture: I told them that I am highly risk tolerant, and I want full exposure to stocks. Every advisor that I spoke to told me the same thing: this early on to stick with 100% stocks. It's really where I want to be right now. As far as VPAS, I am agree...
by Colorado Guy
Mon Mar 23, 2020 9:18 pm
Forum: Personal Investments
Topic: What's going on with electric utility stocks?
Replies: 10
Views: 1134

Re: What's going on with electric utility stocks?

Just a thought....This could be a ripple effect from the recent SG&E bankruptcy proceedings. This morning was an article "PG&E to plead guilty to 84 involuntary manslaughter counts over 2018 wildfire" https://www.reuters.com/article/us-pg-e-us-bankruptcy-idUSKBN21A1TJ This appears ...
by Colorado Guy
Mon Mar 23, 2020 4:08 pm
Forum: Investing - Theory, News & General
Topic: Are current recession's comparisons to Great Depression doomer tier, accurate or understated?
Replies: 112
Views: 9283

Re: Are current recession's comparisons to Great Depression doomer tier, accurate or understated?

For an optimistic perspective on this,

Stocks can return to records early next year if the US can curb coronavirus spread, says JPMorgan

https://www.cnbc.com/2020/03/21/stocks- ... organ.html
by Colorado Guy
Sat Mar 21, 2020 1:08 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 349
Views: 30231

Re: How much you lost/gain since Feb 20,2020 ?

I retired on Feb 29th and am awaiting a lump sum from Megacorp. It should be in my IRA in a couple of weeks. I am going to use the bulk of it to re-balance (down 12.6% to 30/70) and keep some cash on the sidelines for a year or so. I had foot surgery on Feb 20th so I have been self quarantined for ...
by Colorado Guy
Fri Mar 20, 2020 6:33 pm
Forum: Personal Consumer Issues
Topic: Hearing aids
Replies: 14
Views: 809

Re: Hearing aids

If you want to get into details and pros/cons, go to https://forum.hearingtracker.com/ This is worth reviewing for a bit before making decisions, as it will make you aware of the options that you will want in a model. A choice would also be dependent if you have an Android or an IPhone. I would say ...
by Colorado Guy
Wed Mar 18, 2020 10:39 am
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 349
Views: 30231

Re: How much you lost/gain since Feb 20,2020 ?

Double whammy, I retired 1 March, and looked at my accounts this morning for the first time since this started, down 13%. It hurts a lot because it dropped below "my number", but survivable. Thankful I did OMY before making this step, as I was considering retiring last year. After looking ...
by Colorado Guy
Fri Feb 14, 2020 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare enrollment question
Replies: 2
Views: 390

Re: Medicare enrollment question

Have employer fill out https://www.cms.gov/Medicare/CMS-Forms/CMS-Forms/Downloads/CMS-L564E.pdf .As long as it is within 8 months of employment ending and employee coverage was primary you can apply for the special enrollment period 3 months out.I.E someone applying today can ask for a march 1st,ap...
by Colorado Guy
Fri Feb 14, 2020 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare enrollment question
Replies: 2
Views: 390

Medicare enrollment question

Am 67 and currently employed, but leaving the company at the end of February. While I have Part A already, I have not signed up for the rest of Medicare. With that said, while my employment officially ends in two weeks, I will continue to have company insurance (not COBRA) until August 1 2020, which...
by Colorado Guy
Sat Jul 06, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: bike for 79 year old man
Replies: 26
Views: 2772

Re: bike for 79 year old man

I fell off my bike recently getting off, and generally am having trouble mounting/dismounting. Don't want a trike. Want hand brakes max 7 speeds. You've got options. While you said you don't want a trike, I assume you are referring to the type of upright trikes that are popular in retirement villag...
by Colorado Guy
Sun Mar 03, 2019 12:33 pm
Forum: Investing - Theory, News & General
Topic: Do most financial advisors push the lump sum option?
Replies: 42
Views: 3390

Re: Do most financial advisors push the lump sum option?

My take is that in most situations that in most situations taking the annuity is the better decision.....Also no guarantee the individual can invest the money better than the insurance company or the pension board. Nedsaid, I know that my limited search of annuities that I could purchase with a lum...
by Colorado Guy
Sat Mar 02, 2019 11:14 am
Forum: Investing - Theory, News & General
Topic: Do most financial advisors push the lump sum option?
Replies: 42
Views: 3390

Re: Do most financial advisors push the lump sum option?

Wondering if others have experienced this among advisors recently. Or maybe I just drew from a skewed sample? I am struggling with this myself. I did consult with a Vanguard PAS advisor (no fee) a year ago on this, and she advised me (for my case) to take the annuity and not the lump sum, to minimi...
by Colorado Guy
Tue Jan 01, 2019 5:07 pm
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for plane trips, advice?
Replies: 62
Views: 3695

Re: Noise cancelling headphones for plane trips, advice?

Any suggestions for noise cancelling headphones? I was looking at the Surface headphones, but Microsoft wants $350. $350 is the current sweet spot for top of the line noise cancelling headphones.Recommend you check out YouTube's JimsReviewRoom, which I have found to have the best unbiased evaluatio...
by Colorado Guy
Wed Sep 05, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: New Bike Suggestion
Replies: 40
Views: 3563

Re: New Bike Suggestion

Looking for forward to all bogleheads bikers with valuable insight regarding what my next bike can be so that i can do 40-50 miles stretch. I would also like to see how do i stack up with others in terms of biking stats. Congrats! My recommendation is to consider a "gravel" bike instead o...
by Colorado Guy
Sun Apr 22, 2018 11:48 am
Forum: Personal Investments
Topic: Opinions on current Morgan Stanley portfolio - and move to Vanguard PAS
Replies: 5
Views: 788

Re: Opinions on current Morgan Stanley portfolio - and move to Vanguard PAS

SomedaySoon, This is not a bash against Vanguard PAS, as I am currently using this service. But, after 6 months of using Vanguard PAS, I think it is not appropriately named. Yes, they did help me in a major (for me) consolidation effort last year, and made recommendations for a relatively simple por...
by Colorado Guy
Tue Feb 27, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Question for older bicyclist, coming back from injury
Replies: 42
Views: 3286

Re: Question for older bicyclist, coming back from injury

Last week I took a hard spill while road biking (clipped in). How do you come back from that? How do I avoid the fear? What kind of things should I do to mitigate this kind of injury? A couple of people have mentioned trikes. In case you get the same initial mental picture of something for just &qu...
by Colorado Guy
Thu Feb 08, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Comcast Modem Part 2
Replies: 6
Views: 1166

Re: Comcast Modem Part 2

I currently have a Comcast Cisco gateway that I am using as a modem because I have a Netgear router. I have my phone line coming from the modem. Do I have to replace it with a gateway or can I just buy a wifi modem? What type of modem do I need? This is my current gateway: Cisco Model DPC3941T DOCS...
by Colorado Guy
Fri Dec 29, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Medicare choices unclear while still employed
Replies: 7
Views: 734

Re: Medicare choices unclear while still employed

Does your employer require you to enroll in Medicare at 65? Typically when you are still working and have employer-provided health coverage,you don't need to sign up for Medicare until you lose that coverage (i.e. retire). RTerickson, no, they do not. If so, that would make the decision moot. If th...
by Colorado Guy
Thu Dec 28, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Medicare choices unclear while still employed
Replies: 7
Views: 734

Medicare choices unclear while still employed

The Dummy in me is strong. :shock: I am taking a crash course in Medicare, and currently reading Medicare for Dummies (new edition) and researching the topic, and trying to understand my options. As some of you who did not retire early may have experience in understanding the various choices, I woul...
by Colorado Guy
Fri Dec 08, 2017 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 8910

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

Seems like you're getting mixed feedback on whether or not to get bachelor's from an accredited school. Both employers I've had won't even accept a resume unless the candidate has a four-year degree, from a decent school, with a minimum GPA. +1. Not discounting experience, but when 20 or more resum...
by Colorado Guy
Mon Nov 06, 2017 10:25 am
Forum: Personal Investments
Topic: Admiral vs Institutional Plus shares
Replies: 5
Views: 1425

Re: Admiral vs Institutional Plus shares

Mhc and Dale, Thank you. From a simplicity standpoint, I had thought of moving from the 401k to the IRA, but for now I will be leaving the funds where they are. Once I retire, I will probably change this into one simple set of funds, but I don't need to do that today. Just got off the phone with Van...
by Colorado Guy
Sun Nov 05, 2017 6:28 pm
Forum: Personal Investments
Topic: Admiral vs Institutional Plus shares
Replies: 5
Views: 1425

Re: Admiral vs Institutional Plus shares

Dbltrbl,

Thanks for the confirmation. Needed to hear that from someone other than the Vanguard rep. As I mentioned, am trying to get up to speed with what I should be doing, as I am trying to get to the point of knowing what I don't know.
by Colorado Guy
Sun Nov 05, 2017 4:46 pm
Forum: Personal Investments
Topic: Admiral vs Institutional Plus shares
Replies: 5
Views: 1425

Admiral vs Institutional Plus shares

I stumbled onto this forum a few months ago when doing some consolidation work, and feel both fortunate to have found the forum, but also recognizing my lack of knowledge.Been reading through the posts daily, as people are being very informative in their responses. At 64, I am ignorant :oops: of man...