Search found 1221 matches

by Silence Dogood
Wed Aug 21, 2013 10:01 am
Forum: Personal Consumer Issues
Topic: [Left in bad situation] by Comcast
Replies: 19
Views: 3161

Re: [Left in bad situation] by Comcast

I would ditch Comcast and go with these products that will save you a lot of money: The OBi100 from Obihai that you can use for your phone line. http://www.amazon.com/OBi100-Telephone-Adapter-Service-Bridge/dp/B004LO098O/ref=sr_1_1?ie=UTF8&qid=1377096654&sr=8-1&keywords=obi100 The Mohu Leaf Ultimate...
by Silence Dogood
Wed Aug 07, 2013 3:51 pm
Forum: Investing - Theory, News & General
Topic: POLL: Why do you slice and dice your portfolio?
Replies: 30
Views: 3667

Re: POLL: Why do you slice and dice your portfolio?

I like to keep it simple.

100% in Vanguard Target Retirement 2055 (VFFVX).
by Silence Dogood
Wed Aug 07, 2013 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: What do I owe my children?
Replies: 119
Views: 13207

Re: What do I owe my children?

I don't have a lot of money at all, but I always try to help people out when I can afford it.

Doesn't your older child want the best for his/her sibling?
by Silence Dogood
Wed Jul 31, 2013 12:56 pm
Forum: Investing - Theory, News & General
Topic: [Poll] How Much Will Investment Fees Reduce Your End Wealth?
Replies: 45
Views: 4028

Re: [Poll] How Much Will Investment Fees Reduce Your End Wea

Well, here's hoping that Vanguard lowers the expense ratios for the Target Retirement Funds, because I still have 40+ years to go (hopefully)...
by Silence Dogood
Wed Jul 31, 2013 12:45 pm
Forum: Personal Investments
Topic: New Member Looking for Super Aggressive Returns
Replies: 22
Views: 9454

Re: New Member Looking for Super Aggressive Returns

Just remember: there are more important things in life than money.
by Silence Dogood
Thu Jul 18, 2013 3:30 pm
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 23112

Re: [Sad news - Pat Larimore]

Taylor,

I am so sorry to hear this news.

I am a young man and not married yet, but when I am I hope that my marriage is as beautiful as the one you and Pat shared together. Once again you inspire me.

We are all here for you.
by Silence Dogood
Wed Jun 26, 2013 8:47 am
Forum: Personal Investments
Topic: Admiral Shares for Target Retirement and Life Strategy Funds
Replies: 17
Views: 5010

Re: Admiral Shares for Target Retirement and Life Strategy F

Another idea would be for Vanguard to simply eliminate the admiral shares of a few of it's core funds, due to the fact that there is now only a small difference in minimums between the investor shares and admiral shares. For example, the Vanguard Total Stock Market Investor shares has a minimum of $...
by Silence Dogood
Sat Jun 15, 2013 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Article about young americans not using credit cards
Replies: 81
Views: 7744

Re: Article about young americans not using credit cards

22 and I've never had a credit card. I don't plan to either.
by Silence Dogood
Fri Jun 07, 2013 3:49 pm
Forum: Personal Consumer Issues
Topic: VOIP What do you think?
Replies: 20
Views: 1895

Re: VOIP What do you think?

Browser wrote:Can somebody give me the Quick Start info on Google Voice? What is it and how does it work? I'm too lazy to figure it out.
This thread might be helpful: http://www.bogleheads.org/forum/viewtop ... 1&t=113004
by Silence Dogood
Thu May 30, 2013 11:10 pm
Forum: Investing - Theory, News & General
Topic: If you could have only one fund, what would it be?
Replies: 175
Views: 45553

Re: If you could have only one fund, what would it be?

I only have one fund:

Vanguard Target Retirement 2055. :happy
by Silence Dogood
Fri May 17, 2013 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: College - The new scam
Replies: 33
Views: 2661

Re: College - The new scam

I dropped out of the university I was attending after my freshman year (in 2010). It cost me $20,000 a year to go and I didn't want to take out that much in student loans. I left with a 3.86 GPA. Right now I am trying to work and take classes at the local community college. Even still it isn't easy....
by Silence Dogood
Tue Apr 30, 2013 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Bank mailed me letter, $5 fee starts in June
Replies: 122
Views: 10005

Re: Bank mailed me letter, $5 fee starts in June, criminal.

Tempest in a teapot.

The best solution is to keep a minimum of $300 in the account.
by Silence Dogood
Wed Apr 24, 2013 12:21 am
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 325
Views: 53761

Re: Frontline--The Retirement Gamble

Am I the only one having a hard time feeling sorry for some of the people interviewed for this? You're making $70,000 a year but only have $20,000 in retirement savings? I make about a third of that, am 22, and have about the same amount in retirement savings. And no, I don't have rich parents. Divo...
by Silence Dogood
Sun Mar 17, 2013 10:35 pm
Forum: Personal Consumer Issues
Topic: Is this the least expensive phone plan?
Replies: 30
Views: 2429

Re: Is this the least expensive phone plan?

I just want to clarify this one point, whether or not you use Trac-Phone, T-Mobile, or some other prepaid phone plan is not the most significant aspect of this plan. Some people will be better off with T-Mobile, others with Trac-Phone. The basic idea is using Google Voice at home (work, etc.) along ...
by Silence Dogood
Sun Mar 17, 2013 10:25 pm
Forum: Personal Consumer Issues
Topic: Is this the least expensive phone plan?
Replies: 30
Views: 2429

Re: Is this the least expensive phone plan?

sscritic wrote:What's your number? If you have saved 1 million rollover minutes, can you retire?
It depends on your withdrawal rate.
by Silence Dogood
Sun Mar 17, 2013 10:12 pm
Forum: Investing - Theory, News & General
Topic: DFA vs Vanguard on corporate governance
Replies: 16
Views: 2354

Re: DFA vs Vanguard on corporate governance

From Jack Bogle's The Clash of the Cultures : "Unfair as such a broad generalization may be, their singling-out of Vanguard as the least shareholder-friendly manager - the firm ranked #26 on the list of 26 - hardly gladdens my heart. But the AFSCME numbers, however interpreted, are not inconsistent ...
by Silence Dogood
Sun Mar 17, 2013 11:19 am
Forum: Personal Consumer Issues
Topic: Is this the least expensive phone plan?
Replies: 30
Views: 2429

Re: Is this the least expensive phone plan?

With Tracfone, he would pay $199.99 for 4500 minutes for 365 days then $99.99 for 1200 minutes(?) to be able to get service for another year. That is how I read it. Yes, basically. But remember, the minutes and service days you add to your TracFone will be added to the minutes and service days you ...
by Silence Dogood
Sun Mar 17, 2013 10:40 am
Forum: Personal Consumer Issues
Topic: Is this the least expensive phone plan?
Replies: 30
Views: 2429

Re: Is this the least expensive phone plan?

T-mobile minutes, or $, do carry over if you buy 1000 minutes for $100 one time. The rate will increase if you are a minimal user. Our initial $100 was 1000 minutes, good for 1 year. After a year the balance was $85, added $10 (but this was only 30 minutes)...so we then had $95 but 880 minutes. The...
by Silence Dogood
Sun Mar 17, 2013 10:37 am
Forum: Personal Consumer Issues
Topic: Is this the least expensive phone plan?
Replies: 30
Views: 2429

Re: Is this the least expensive phone plan?

I don't see $199.99 for 4500 minutes on Tracfone's website. I see $199.99 for 1500 minutes. https://www.tracfone.com/direct/Purchase?payGo=true&app=TRACFONE&lang=en That's why you purchase a phone with "triple minutes for life" (see my original post). This means that every paid Airtime Minute you a...
by Silence Dogood
Sun Mar 17, 2013 10:29 am
Forum: Personal Consumer Issues
Topic: Is this the least expensive phone plan?
Replies: 30
Views: 2429

Re: Is this the least expensive phone plan?

Depending on how you use it, there may be even cheaper options than tracfone. For example, my wife has t-mobile and it was $100 for the first year but $10 per year after that with minimal use. What I like about TracFone is: the ability to carry over minutes . And how does this differ from t-mobile?...
by Silence Dogood
Sun Mar 17, 2013 10:19 am
Forum: Personal Consumer Issues
Topic: Is this the least expensive phone plan?
Replies: 30
Views: 2429

Re: Is this the least expensive phone plan?

Yes, GV forwards to the cell phones. The obi 100 allows one to have TWO Google Voice numbers (with two ring tones). So my wife and I each have one GV number, but they both ring the home phones (with distinctive rings for his and her). Very cool! E911 costs a few dollars a month for the obi 100, or ...
by Silence Dogood
Sun Mar 17, 2013 10:09 am
Forum: Personal Consumer Issues
Topic: Is this the least expensive phone plan?
Replies: 30
Views: 2429

Re: Is this the least expensive phone plan?

What do you think of this plan? Any suggestions for improvement? Depending on how you use it, there may be even cheaper options than tracfone. For example, my wife has t-mobile and it was $100 for the first year but $10 per year after that with minimal use. My kids who text more, find tracfone to b...
by Silence Dogood
Sun Mar 17, 2013 9:56 am
Forum: Personal Consumer Issues
Topic: Is this the least expensive phone plan?
Replies: 30
Views: 2429

Re: Is this the least expensive phone plan?

Here is my set up: I use google voice for home phone(send and receive) calls,computer stays on all the time,when I get a call I put on Platnronics wireless headset(paid 55.00 several years ago) so that I am untethered from computer free to roam around. When I leave the house,calls are forwarded to ...
by Silence Dogood
Sun Mar 17, 2013 9:49 am
Forum: Personal Consumer Issues
Topic: Is this the least expensive phone plan?
Replies: 30
Views: 2429

Re: Is this the least expensive phone plan?

The key here is to only give out the Google Voice number . All calls to the Google Voice number will be forwarded to the mobile phone. The next step is to purchase a cell phone from TracFone . It is best to purchase one that includes triples minutes for life. 1,500 minutes costs $199.99, but with t...
by Silence Dogood
Sun Mar 17, 2013 9:37 am
Forum: Personal Consumer Issues
Topic: Is this the least expensive phone plan?
Replies: 30
Views: 2429

Re: Is this the least expensive phone plan?

I am trying to figure out how best to use Google Voice as well, although my motivation is wantig to keep the same number even when I disconnect cell service during my months long overseas trips each year. In my case, I seek to port my cell phone number to google voice and when in the US forward the...
by Silence Dogood
Sun Mar 17, 2013 9:24 am
Forum: Personal Consumer Issues
Topic: Is this the least expensive phone plan?
Replies: 30
Views: 2429

Re: Is this the least expensive phone plan?

I am unclear about your plan... if the google voice (GV) number is the device you mentioned then calls will go to it. If you want our cell phone to ring when that number is called, you need to have the GV calls forwarded, then when you are at home and want the home device to ring, you need to cance...
by Silence Dogood
Sun Mar 17, 2013 1:16 am
Forum: Personal Consumer Issues
Topic: Is this the least expensive phone plan?
Replies: 30
Views: 2429

Is this the least expensive phone plan?

This is how I set up my phone plan. I believe this is the least expensive plan that I could possibly come up with. The first step is to set up a Google Voice account. If you already have an account with Google then you can just use that one, but I would recommend setting up a separate account dedica...
by Silence Dogood
Fri Mar 15, 2013 7:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Phishing
Replies: 33
Views: 5068

Re: Vanguard Phishing

Found this article via Google: http://www.consumerismcommentary.com/vanguard-voice-recognition/ After a few years of testing this new security feature, Vanguard has begun rolling out voice pattern recognition technology for security. According to the representative I spoke to today, this feature wil...
by Silence Dogood
Thu Mar 14, 2013 10:14 am
Forum: Investing - Theory, News & General
Topic: [POLL] What would you like Vanguard to change or improve?
Replies: 92
Views: 8917

Re: [POLL] What would you like Vanguard to change or improve

Does it really make sense to ask Vanguard to offer admiral shares of fund of funds when it is not legal for them to do so? Oh, I'm sure they could do it. Where there's a will, there's a way. It can't be any trickier than making ETFs that are share classes of a mutual fund. I certainly don't know th...
by Silence Dogood
Thu Mar 14, 2013 12:32 am
Forum: Investing - Theory, News & General
Topic: [POLL] What would you like Vanguard to change or improve?
Replies: 92
Views: 8917

Re: [POLL] What would you like Vanguard to change or improve

Well, this will be the third time that I post this: For legal reasons, I don't think that Vanguard can offer admiral shares. SEC regulations do not allow for multiple share classes of fund of funds. It's more likely that Vanguard will simply eliminate the admiral shares of a few of it's core funds, ...
by Silence Dogood
Mon Mar 11, 2013 1:52 am
Forum: Investing - Theory, News & General
Topic: Could bogleheads vote on Top 10 "asks" of Vanguard?
Replies: 100
Views: 9303

Re: Could bogleheads vote on Top 10 "asks" of Vanguard?

I recently posted this message in another thread, but I will post it here for those who were asking about admiral shares for the fund of funds. For legal reasons, I don't think that Vanguard can offer admiral shares. SEC regulations do not allow for multiple share classes of fund of funds. It's more...
by Silence Dogood
Wed Mar 06, 2013 2:33 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard Target Retirement Funds earn Morningstar gold"
Replies: 20
Views: 3592

Re: "Vanguard Target Retirement Funds earn Morningstar gold"

Will Vanguard's Target Funds offer admiral shares? For legal reasons, I don't think that Vanguard can offer admiral shares. SEC regulations do not allow for multiple share classes of fund of funds. It's more likely that Vanguard will simply eliminate the admiral shares of a few of it's core funds, ...
by Silence Dogood
Tue Mar 05, 2013 11:50 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard Target Retirement Funds earn Morningstar gold"
Replies: 20
Views: 3592

Re: "Vanguard Target Retirement Funds earn Morningstar gold"

Great news! My entire portfolio consists of the Target Retirement 2055 fund.

But one question, T. Rowe Price is listed above Vanguard, does that mean it was ranked higher?
by Silence Dogood
Mon Mar 04, 2013 11:19 pm
Forum: Investing - Theory, News & General
Topic: Could bogleheads vote on Top 10 "asks" of Vanguard?
Replies: 100
Views: 9303

Re: Could bogleheads vote on Top 10 "asks" of Vanguard?

I agree with you, except that I think they do show 10 years, not 5. Hi - on this, I meant personal performance numbers for more than 5 years (not for funds). But yes, having 10/20/30/40/50 year numbers for funds also would be awesome - to show the longevity and track record. And now, an image of my...
by Silence Dogood
Mon Mar 04, 2013 10:58 pm
Forum: Investing - Theory, News & General
Topic: Could bogleheads vote on Top 10 "asks" of Vanguard?
Replies: 100
Views: 9303

Re: Could bogleheads vote on Top 10 "asks" of Vanguard?

I think that Vanguard is doing a fine job.

I like to keep my investment portfolio simple.

One fund (Target Retirement 2055) in my Roth IRA.

I rarely even log in to Vanguard's website.
by Silence Dogood
Fri Feb 08, 2013 7:11 pm
Forum: Personal Investments
Topic: How to start investing on minimum wage/part time job?
Replies: 28
Views: 2760

Re: How to start investing on minimum wage/part time job?

Well I'm a 21 year old who goes to school full time and works at a grocery store part time. For someone in your position, investing is not worthwhile. Compounding is an amazing thing, but $1000 a year savings will not turn into a fortune in your lifetime. The way out of your position is to focus on...
by Silence Dogood
Wed Jan 30, 2013 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: When can we file tax returns? (Form availability.)
Replies: 33
Views: 5300

Re: When can we file tax returns? (Form availability.)

This http://www.taxact.com/forms/ says they now have all forms for individual taxpayers. In other words they got it ready in time for the Jan 30 date for IRS to start taking returns, though some of the forms appeared at the last minute. Okay, finally got the update (Federal only, Massachusetts isn'...
by Silence Dogood
Wed Jan 30, 2013 10:06 am
Forum: Personal Finance (Not Investing)
Topic: When can we file tax returns? (Form availability.)
Replies: 33
Views: 5300

Re: When can we file tax returns? (Form availability.)

Maybe it's because I'm using the Mac version.

Anyone else having this problem?
by Silence Dogood
Wed Jan 30, 2013 12:30 am
Forum: Personal Finance (Not Investing)
Topic: When can we file tax returns? (Form availability.)
Replies: 33
Views: 5300

Re: When can we file tax returns? (Form availability.)

This is the message I get when I try to file:
The IRS hadn't yet finalized at least 1 of your tax forms when you purchased this program or last updated. To be sure you're up-to-date, we'll update your forms before you file. Our next update should be available by February 7, 2013.
by Silence Dogood
Tue Jan 29, 2013 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: When can we file tax returns? (Form availability.)
Replies: 33
Views: 5300

Re: When can we file tax returns? (Form availability.)

I just opened TaxACT and there was an update. It looks like they got these forms ready in time. So it's odd that when I tried to E-file (which I knew I couldn't because of the Jan 30th date) they gave the lack of forms as the reason instead of simply referring to the Jan 30th earliest filing date. ...
by Silence Dogood
Fri Jan 25, 2013 10:46 pm
Forum: US Chapters
Topic: Happy Birthday Taylor
Replies: 81
Views: 9022

Re: Happy Birthday Taylor

Happy birthday, Taylor! You are the best.
by Silence Dogood
Wed Jan 16, 2013 3:10 pm
Forum: Investing - Theory, News & General
Topic: We the People - Petition to Bring back Paper Savings Bonds
Replies: 13
Views: 1458

We the People - Petition to Bring back Paper Savings Bonds

Would anyone be interested in signing a petition to bring back paper savings bonds?

https://petitions.whitehouse.gov/

The administration is required to respond to any petition that gets 25,000 signatures.
by Silence Dogood
Wed Jan 16, 2013 1:33 pm
Forum: Investing - Theory, News & General
Topic: Question Regarding the Retirement Calculator from Hell
Replies: 29
Views: 10630

Re: Question Regarding the Retirement Calculator from Hell

Does this mean that the Bogleheads are acting against their own best interests by promoting financial literacy? Yes, in the same way that if we all got together and blew against the wind, we could change the weather. Funny! But if this is all true, then why do people get so worked up over other peo...
by Silence Dogood
Tue Jan 15, 2013 11:09 pm
Forum: Investing - Theory, News & General
Topic: Question Regarding the Retirement Calculator from Hell
Replies: 29
Views: 10630

Re: Question Regarding the Retirement Calculator from Hell

To some degree all of this planning for a goal that is 30-40 years away must require a leap of faith. I wish I could give you a guarantee. There may in fact be some demographic risk, what would you propose be done to counter it? I have no idea. I guess that's why it makes me uneasy. I also feel lik...
by Silence Dogood
Tue Jan 15, 2013 10:34 am
Forum: Investing - Theory, News & General
Topic: Question Regarding the Retirement Calculator from Hell
Replies: 29
Views: 10630

Re: Question Regarding the Retirement Calculator from Hell

Bernstein also said in the article (I'm paraphrasing) that the what matters is not how much you save, only that you save more than everyone else. So, by the logic of this article, your plan of attack must be to save more than your peers. I feel confident saying that you will find saving more than a...
by Silence Dogood
Tue Jan 15, 2013 12:18 am
Forum: Investing - Theory, News & General
Topic: Question Regarding the Retirement Calculator from Hell
Replies: 29
Views: 10630

Re: Question Regarding the Retirement Calculator from Hell

Also I'm not worried the entire population is going to get religion and become Bogleheads. Right, of course. I'm just talking on a theoretical level, according to Bernstein, we (Bogleheads) are all better off for our dismally low national savings rate. Besides, The above applies only to the Boomers...
by Silence Dogood
Mon Jan 14, 2013 11:30 pm
Forum: Investing - Theory, News & General
Topic: Question Regarding the Retirement Calculator from Hell
Replies: 29
Views: 10630

Question Regarding the Retirement Calculator from Hell

I have a question regarding William Bernstein's Retirement Calculator from Hell, Part IV. If you haven't already read it, here is the link: http://www.efficientfrontier.com/ef/103/hell4.htm In this article he states: If you want to retire early, what matters is not how much you save, but how much mo...
by Silence Dogood
Fri Jan 04, 2013 12:53 pm
Forum: Investing - Theory, News & General
Topic: 2013 coverdell limit
Replies: 50
Views: 8760

Re: 2013 coverdell limit

Wiki article on Coverdell Education Savings Account: http://www.bogleheads.org/wiki/Coverdel ... s_Accounts