Search found 113 matches

by countdown
Sun Jan 05, 2014 10:41 pm
Forum: Personal Consumer Issues
Topic: best way to hide your personal information on work laptop
Replies: 44
Views: 6225

Re: best way to hide your personal information on work lapto

I don't think you should be placing your personal information on your employer's computer, let alone trying to hide it.
As a former employer, I find it quite offensive.
What's wrong with your personal laptop? It's too obvious that you are not working?
by countdown
Fri Jan 03, 2014 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard National Trust Company?
Replies: 101
Views: 34258

Re: Vanguard National Trust Company?

A fan: I agree with your estate and trust attorney for average estates. I am trustee of a family member's estate. If I need help, I will seek it. But the information in this thread is indeed valuable. This is not my field of law, but I have seen many elderly people's estates 'bled dry' by excessive ...
by countdown
Fri Jan 03, 2014 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard National Trust Company?
Replies: 101
Views: 34258

Re: Vanguard National Trust Company?

So much good information here, I've bookmarked it. Thanks to all of the estate and trust professionals for sharing their knowledge and experience.
by countdown
Wed Jan 01, 2014 3:59 pm
Forum: Personal Consumer Issues
Topic: Adopting a rescue greyhound
Replies: 17
Views: 1853

Re: Adopting a rescue greyhound

Such beautiful dogs!
by countdown
Wed Jan 01, 2014 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Pitfalls of ceding an inheritance
Replies: 29
Views: 3156

Re: Pitfalls of ceding an inheritance

One assumes you choose a trustee you trust, hence the term 'trustee' :happy

Wow, lots of cynics on New Years Day! Everyone else must be watching sports :beer
by countdown
Wed Jan 01, 2014 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Pitfalls of ceding an inheritance
Replies: 29
Views: 3156

Re: Pitfalls of ceding an inheritance

Teachable Moment: Again, the family could have avoided probate by seeing an estate lawyer before the fact, creating a simple trust, and passing the property to the sisters, all at far less cost than the stated fees. Lesson for all of us: maybe good idea to include family members in estate discussion...
by countdown
Wed Jan 01, 2014 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Pitfalls of ceding an inheritance
Replies: 29
Views: 3156

Re: Pitfalls of ceding an inheritance

Sscritic.....the estate is stated to be $150-$200k after all expenses etc. It is likely gross value was higher and it didn't qualify for small estate administration or it likely would have been done. There are always additional facts which change scenarios.....but the brothers should inquire of seve...
by countdown
Wed Jan 01, 2014 2:00 pm
Forum: Personal Consumer Issues
Topic: Bed sheets like they used to be?
Replies: 56
Views: 18249

Re: Bed sheets like they used to be?

Nuvoletta: Tuesday Morning carries a lot of Sferra and Peacock Alley sheets made in Portugal or Italy, at huge discount. That's where I buy them and they last years and years. They are carrying a lot of sateen lately, however, which I don't care for. Percale is best. As for the Linen sheet calculati...
by countdown
Wed Jan 01, 2014 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Pitfalls of ceding an inheritance
Replies: 29
Views: 3156

Re: Pitfalls of ceding an inheritance

Probate fees in California are statutory. The probate lawyer has no control over them. They are graduated percentages based on estate value. This is a good example of why people should have their property in trust. Probate can be expensive. I doubt there will be estate tax, but the estate lawyer wil...
by countdown
Tue Dec 31, 2013 12:57 am
Forum: Personal Consumer Issues
Topic: How many folks have a dog?
Replies: 112
Views: 12510

Re: How many folks have a dog?

Yes, dogs in our home. They are worth the effort.
We boarded them occasionally when we would go out of town, but it was very stressful for them. Visibly so.
So we have found a dog sitter who stays in our home with them when we travel. She loves our dogs and they love her.
Best of all worlds.
by countdown
Tue Dec 31, 2013 12:46 am
Forum: Personal Consumer Issues
Topic: Bed sheets like they used to be?
Replies: 56
Views: 18249

Re: Bed sheets like they used to be?

In addition to the advice of Jim in Illinois, look for sheets made in Italy or Portugal. They are the best! Avoid China, Pakistan, India. Most sheets on the shelf these days from those countries. I think they are quite inferior, Also check out real linen sheets. They get softer with each wash and wi...
by countdown
Fri Dec 27, 2013 2:05 pm
Forum: Personal Investments
Topic: Big change in Wellington
Replies: 30
Views: 4152

Re: Big change in Wellington

Lady Geek, sorry to stray so far afield when you are so patiently trying to stay on point, consolidate and shephard them all in. Wasn't thinking :oops:
Thanks for all your excellent work.
by countdown
Fri Dec 27, 2013 12:32 pm
Forum: Personal Investments
Topic: Big change in Wellington
Replies: 30
Views: 4152

Re: Big change in Wellington

For those not as knowledgeable about the relationship between dividends, distributions, and mutual funds (like me), there is a very good thread that Lady Geek directed readers to in another post, which is contained in the Wiki 'Dividend' section. The thread is called 'What's so great about dividends...
by countdown
Fri Dec 27, 2013 11:30 am
Forum: Personal Investments
Topic: Big change in Wellington
Replies: 30
Views: 4152

Re: Big change in Wellington

I see your points, pkcrafter. Particularly the control and timing. And have come to understand over the past few years (thanks to Bogleheads) that by definition, the NAV is reduced by amount of dividend, which is either reinvested or not. However, I also note that the NAV of a fund sometimes pops ri...
by countdown
Thu Dec 26, 2013 10:59 pm
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 252
Views: 286047

Re: [Why did my fund suddenly drop in value?]

Thanks to those giving newer investors an explanation regarding the nature of dividends and distributions. We all began at the beginning.
by countdown
Thu Dec 26, 2013 10:52 pm
Forum: Investing - Theory, News & General
Topic: 2014 Boglehead Predictions Thread
Replies: 57
Views: 7015

Re: 2014 Boglehead Predictions Thread

Leeraar wrote: On December 26 2014 there will be a blizzard of messages on the Bogleheads Forums: "Why did my Vanguard fund drop in value?" L Realize this is a fun prediction thread, but I have to say that this is the third thread to contain 'piling on' sarcasm at the expense of new invest...
by countdown
Thu Dec 26, 2013 9:27 pm
Forum: Personal Consumer Issues
Topic: Movie night in recommendations
Replies: 269
Views: 26669

Re: Movie night in recommendations

Crash

Lost in Translation
by countdown
Thu Dec 26, 2013 7:06 pm
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 252
Views: 286047

Re: Market Soars - Vanguard Target Funds Plummet............

Yes, Wellington Admiral was down 4.25%. A bit of a surprise until realized what day it was.
by countdown
Tue Dec 10, 2013 1:41 pm
Forum: Personal Investments
Topic: Dividends... when will we know how much?
Replies: 29
Views: 4048

Re: Dividends... when will we know how much?

Yes, Code, understood....realize I went far afield, bur still hope to learn from the questions. Thank you!
by countdown
Tue Dec 10, 2013 1:28 pm
Forum: Personal Investments
Topic: Dividends... when will we know how much?
Replies: 29
Views: 4048

Re: Dividends... when will we know how much?

I see. Thank you, Code. Then what are the arguments in favor of dividend investing? Potentially less risky portfolio? I do recall reading several interviews with Jack Bogle wherein he recommends allocating a portion of equities to dividend stocks. Am I correct that dividend investment is 'old school...
by countdown
Tue Dec 10, 2013 1:12 pm
Forum: Personal Investments
Topic: Dividends... when will we know how much?
Replies: 29
Views: 4048

Re: Dividends... when will we know how much?

In a tax qualified account, we now have 1.11 share at $9., but benefit by having more shares when the market increases our share value to $11. hypothetically. Yes? And when we are in withdrawal/retirement phase, we possibly maintain principal and receive dividends, versus withdraw from sale of princ...
by countdown
Tue Dec 10, 2013 11:35 am
Forum: Personal Investments
Topic: Dividends... when will we know how much?
Replies: 29
Views: 4048

Re: Dividends... when will we know how much?

'The Power of Compounding Dividends'?
by countdown
Sun Dec 08, 2013 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: A caution to those contemplating LTCI
Replies: 63
Views: 6457

Re: A caution to those contemplating LTCI

This is a very informative thread. Thanks to those contributing.
by countdown
Sun Dec 08, 2013 1:55 pm
Forum: Personal Investments
Topic: I just inherited $1 million
Replies: 65
Views: 13448

Re: I just inherited $1 million

Just saw Spirit Rider post. Agree 100 percent. Excellent post.
by countdown
Sun Dec 08, 2013 1:52 pm
Forum: Personal Investments
Topic: I just inherited $1 million
Replies: 65
Views: 13448

Re: I just inherited $1 million

In many states, inheritances are SEPARATE property, and a spouse has no right to the funds generally.
I hope Wife gets some advice of her own.
by countdown
Sat Dec 07, 2013 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Christmas Gift for Cleaning Lady
Replies: 21
Views: 37904

Re: Christmas Gift for Cleaning Lady

Cash equal to one day's cleaning visit. Usually about $100 in my area.
by countdown
Fri Dec 06, 2013 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: A caution to those contemplating LTCI
Replies: 63
Views: 6457

Re: A caution to those contemplating LTCI

Midmoder: Thank you very much for that link! Bankers Life is the company dragging their feet regarding my parent's Short Term Care claim (a minor claim maxing at $13,500 for the first 90 days). They are 'investigating, reviewing for any possible fraud', etc. etc....all the while the premium runs bec...
by countdown
Fri Dec 06, 2013 1:47 pm
Forum: Personal Consumer Issues
Topic: What do early retirees actually do in Florida?
Replies: 238
Views: 20636

Re: What do early retirees actually do in Florida?

Being a 'left coaster', I can't deal with the humidity in Florida, although it's beautiful.
There's always a small town near a state college on the west coast, which would provide lots of interesting things to do, or nothing at all, as you prefer.
by countdown
Thu Dec 05, 2013 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow in retirement. What's your system?
Replies: 24
Views: 3666

Re: Cash flow in retirement. What's your system?

Ddunca.....what is 'YNAB' you need a budget? And how is it different/better than a Quickbooks program? Just curious.
by countdown
Thu Dec 05, 2013 1:52 am
Forum: Personal Finance (Not Investing)
Topic: A caution to those contemplating LTCI
Replies: 63
Views: 6457

Re: A caution to those contemplating LTCI

I am currently in the claims submission process for a parent's LTC policy. I expected the process to be difficult and the company to attempt to avoid payment. On the contrary, I was pleasantly surprised during this otherwise stressful time to find the carrier to be helpful, prompt, courteous and mos...
by countdown
Wed Dec 04, 2013 3:23 pm
Forum: Investing - Theory, News & General
Topic: Wellington/Wellesley--response to tapering
Replies: 8
Views: 1413

Re: Wellington/Wellesley--response to tapering

I too have a good portion of retirement funds in Wellington and less in Wellesley, in addition to my index funds. I specifically have the W/W funds because of their active management at index fund e/r. So, I'm trusting their expertise and response, if any, to tapering. I guess I'm a hybrid boglehead...
by countdown
Wed Nov 27, 2013 12:35 pm
Forum: Investing - Theory, News & General
Topic: Bill Bernstein: "Take risk off the table"
Replies: 207
Views: 28433

Re: Bill Bernstein: "Take risk off the table"

+1000 scone. (4 posts above)
Thanks for posting here wbern
by countdown
Fri Oct 25, 2013 4:10 pm
Forum: Personal Consumer Issues
Topic: .
Replies: 38
Views: 4401

Re: Best Sofa with Young Children

' As my Mother used to say, "Red wine is best with food, white wine is best with furniture." Keith I love that! Never heard it before, and am going to 'borrow' it :happy Back on point, As a grandparent, I agree with inexpensive leather sofa/sectional.....use nice soft throws/blankets for c...
by countdown
Fri Oct 25, 2013 12:35 pm
Forum: Investing - Theory, News & General
Topic: Bernstein - Investing in Retirement
Replies: 21
Views: 5913

Re: Bernstein - Investing in Retirement

Blueridge wrote: "What Dr. Bernstein is saying here makes a lot of sense to me, but it also flies in the face of much of what I've learned about investing. So let's say one has "enough" to live comfortably and happily for the rest of his/her life (lives). Is he really suggesting that ...
by countdown
Thu Oct 24, 2013 1:19 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 12 VIDEOS
Replies: 60
Views: 10601

Re: BOGLEHEADS 12 VIDEOS

Thank you sooooo much for posting this. Just watched Bogle/Bernstein Fireside Chat. Made my day. Such admiration for Mr. Bogle....character shines through in every word. And Dr. Bernstein.....my guess is he's a mensch too :happy.

Informative, wonderful video.
by countdown
Tue Oct 22, 2013 1:26 pm
Forum: Investing - Theory, News & General
Topic: Another Target Retirement Income vs Wellesley question.
Replies: 14
Views: 2219

Re: Another Target Retirement Income vs Wellesley question.

Christine, I always appreciate your informative, objective replies.
They are always educational and on point responsive. Thank you.
by countdown
Tue Oct 22, 2013 1:22 pm
Forum: Investing - Theory, News & General
Topic: Buy High Dividend Stocks and Ignore The Noise
Replies: 71
Views: 9143

Re: Buy High Dividend Stocks and Ignore The Noise

Yes, jdb. I agree. The pairing which became available in 1970 with the addition of Wellesley seems to satisfy many investors/retirees. Again, it may not be better than the total return approach of today, but it is another way. Yes?
by countdown
Mon Oct 21, 2013 7:32 pm
Forum: Investing - Theory, News & General
Topic: Buy High Dividend Stocks and Ignore The Noise
Replies: 71
Views: 9143

Re: Buy High Dividend Stocks and Ignore The Noise

I'm admittedly a novice, but haven't generations successfully retired using this approach with a combination of Wellesley and Wellington? I'm honestly asking. I believe it was Pfau, in a 2012 article about retirement strategies, that lists them as the 'Classics', which I interpreted as ''one of the ...
by countdown
Fri Oct 18, 2013 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Just hit the million mark net worth today
Replies: 98
Views: 12550

Re: Just hit the million mark net worth today

Yogesh:
Your post is the most wonderful post I have ever read on this site.
BTW, from your writing, it's apparent that you were a 'success' before you hit your million.
Your outstanding parents raised an outstanding son!
Congratulations to you and yours.
by countdown
Mon Oct 14, 2013 5:05 pm
Forum: Personal Investments
Topic: Vanguard Mut funds(Admiral) VS Van ETFs vs Target REtirement
Replies: 6
Views: 943

Re: Vanguard Mut funds(Admiral) VS Van ETFs vs Target REtire

Hi Cat5. I actually have more practical thoughts. You are 35 with two very young children. I tend to lean toward Spring Man's questions. Do you own your home? Mortgage? Amount? Is there a good chance you will stay in this home/area? If so, and depending on amount, the freedom from that payment could...
by countdown
Mon Oct 07, 2013 8:15 pm
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 38776

Re: Government Shutdown/Default [effect on investments]

Having lurked on this forum for about 5 years, I am struck by the number of posters who are not 'staying to the course' through this current 'crisis'. Not judging, just interesting. I have actually sold in the past when I should not. Staying the course this time. Of course, I may live to regret it.
by countdown
Fri Aug 16, 2013 10:36 am
Forum: Personal Investments
Topic: Company Discount Stock Purchase
Replies: 33
Views: 2333

Re: Company Discount Stock Purchase

Thanks ieee488.
i'm not very familiar with ESPP and have learned a lot through this thread.
Thank you all.
by countdown
Thu Aug 15, 2013 8:12 pm
Forum: Personal Investments
Topic: Company Discount Stock Purchase
Replies: 33
Views: 2333

Re: Company Discount Stock Purchase

Would a 5 percent discount over average 3 month price be worthwhile to exercise in an ESPP? Sure makes the 15 percent look huge.
by countdown
Wed Jul 31, 2013 3:05 pm
Forum: Personal Consumer Issues
Topic: Seeking alternatives to hotels or extended stays
Replies: 20
Views: 2010

Re: Seeking alternatives to hotels or extended stays

Recently went through same thing. Actually found craigslist helpful. Have you tried drilling down to the specific neighborhood which would be acceptable to you? In larger cities, craigslist drills down to sub-areas and you can fine tune your search to only the desired area. A studio in the right nei...
by countdown
Tue Jul 30, 2013 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Splitting a couple's Vanguard
Replies: 10
Views: 1482

Re: Splitting a couple's Vanguard

Reisner: If this is a long term marriage, I think it sounds like a rational, equitable, interim plan, and dividing the only income in half doesn't set a precedent. The characterization of property and other factors will ultimately control. Good for you for taking the high road. You might also consid...
by countdown
Sun Jul 21, 2013 12:17 am
Forum: Personal Investments
Topic: W W & TW?
Replies: 5
Views: 673

Re: W W & TW?

Thanks for taking the time to respond, Nisi. Sorry about my delayed reply. I will provide a later detailed response of the foundational questions you raised, and which I should have included in my inquiry. But I thought this was an interesting post which sort of addresses your question of why some p...
by countdown
Fri Jul 12, 2013 1:30 pm
Forum: Personal Investments
Topic: W W & TW?
Replies: 5
Views: 673

Re: W W & TW?

I will need to make a decision re going 3-fund (or possibly 4 with the new int'l bond recommendation at vg), or augmenting Wellington and Wellesley to reach desired allocations, which I realize is a lot of work. How are people who have decided for whatever reasons to use W and/or W handling this? I ...
by countdown
Fri Jul 12, 2013 11:22 am
Forum: Personal Investments
Topic: W W & TW?
Replies: 5
Views: 673

Re: W W & TW?

Thank you, G-money.
by countdown
Fri Jul 12, 2013 10:05 am
Forum: Personal Investments
Topic: W W & TW?
Replies: 5
Views: 673

W W & TW?

Hi. This is my first question here and would appreciate any comments. If using Wellington and Wellesley, would it make sense to add Total World to round out portfolio, and for simplicity, or would it be too cumbersome? I note that TW is about 48 percent US for balance beyond value stock of Wellingto...