Search found 204 matches

by Dan-Fl
Fri Oct 16, 2009 10:42 am
Forum: Investing - Theory, News & General
Topic: Tips Individual Bond Interest Late Pay out
Replies: 5
Views: 1050

Which Account

The Tips Bonds are held in my Vg. Brok IRA R/O Account. The interest goes to my Vg. MM Fund.
Dan
by Dan-Fl
Fri Oct 16, 2009 10:31 am
Forum: Investing - Theory, News & General
Topic: Tips Individual Bond Interest Late Pay out
Replies: 5
Views: 1050

Tips Individual Bond Interest Late Pay out

I hold individual Tips bonds in my IRA Account. They were to pay interest on 10/15/2009. Evidently, Bank of NY handles this transaction. This money did not hit my Vanguard Acct until 10/16. It will not be available for me to reinvest until 10/17. The person from Flagship, felt it simple was late. It...
by Dan-Fl
Sat Oct 03, 2009 8:02 am
Forum: Investing - Theory, News & General
Topic: Favorite Bit of Knowledge from Bogleheads 8
Replies: 40
Views: 6127

Tidbits

I enjoyed a lot of the meeting, in spite of the cold that affected me during my time at the Meetings. I hope I have shared it with no one. The encouraging bits I heard and liked was from one of Prof. Towers graphs that seems to indicate that if I do the very simplest form of index investing I will b...
by Dan-Fl
Sun Sep 27, 2009 2:59 pm
Forum: Personal Consumer Issues
Topic: Windows Internet Explorer 7 is Faster than Firefox 3.5
Replies: 36
Views: 5590

my experience

Older Computer
XP, IE7, Firefox 3.5..., Chrome
Newer Computer
Windows 7 RC, Chrome, FF, IE7
I always use Chrome, or FF. Only use IE for difficult sites.
Can't wait for Google OS
Dan-Fl
by Dan-Fl
Thu Sep 24, 2009 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Used RAV4 2wd, not 4wd?
Replies: 29
Views: 9528

4WD Vs 2WD

I live in NW Florida and have no use for 4 WD. I believe in Michigan you have need for 4 WD. Although 2 WD with front wheel drive is better than rear wheel drive, I would not compromise on this vehicle. Get what you want and need.
Dan
by Dan-Fl
Wed Sep 23, 2009 3:49 pm
Forum: Personal Consumer Issues
Topic: Netflix?
Replies: 25
Views: 3027

Netflix

I have used this service since February. I think it is excellent. No complaints whatsoever.
Dan-Fl
by Dan-Fl
Wed Sep 02, 2009 6:15 am
Forum: Investing - Theory, News & General
Topic: explorer 8
Replies: 14
Views: 2243

IE*

I have IE8 but almost never use it. My favorite is Google Chrome and second choice is Firefox.
I am running windows 7 RC and it has been near flawless.
Dan-Fl
by Dan-Fl
Mon Aug 17, 2009 8:57 am
Forum: Personal Consumer Issues
Topic: TD Claudette
Replies: 0
Views: 645

TD Claudette

Morning All, Looking at the maps, charts, it appear Claudette went ashore within 5 miles of me. Do I get an award? Seems like my area is a magnet. I guess there is a reason the place is for sale. Just a rainy night and expect the same today. No bad wind. Enjoy your weather wherever you are. Dan-Fl
by Dan-Fl
Sun Aug 16, 2009 9:19 pm
Forum: Personal Consumer Issues
Topic: Alaskan Trip
Replies: 49
Views: 9336

AK trip

About 11 years ago, I drove from NW Florida to Texas to pick up a 17 Casita Travel trailer and than drove via texas, New Mexico, Colorado, Wyoming, Montana to Ak. I spent 2 1/2 months in AK. It was wonderful. I did Fairbanks, Anchorage, Denali a number of times, Seward, Homer and most of the places ...
by Dan-Fl
Sat Aug 15, 2009 8:24 am
Forum: Personal Consumer Issues
Topic: Starting a zoo from scratch -- your suggestions
Replies: 20
Views: 3463

ZOO

I have not read this post, rather scanned it. The ZOO in Gulf Breeze, Florida has been in existence for I think greater than 20 years. I think it is a private entity. It is closing this week either permanently or temporary depending upon getting money from the local governments. They have had severe...
by Dan-Fl
Mon Aug 03, 2009 9:34 pm
Forum: Personal Consumer Issues
Topic: How many checks do you write a month?
Replies: 40
Views: 5725

check writing

vERY FEW, maybe 1-2 per month.
The previous poster talks about something to pay federal taxes, what is this?
Dan-Fl
by Dan-Fl
Sat Jul 25, 2009 8:26 am
Forum: Personal Consumer Issues
Topic: I'm dating a med school student and she's deeply in debt
Replies: 147
Views: 24747

Her loans and me

Hi, My read on this is that her loan is none of your business. If you find her interesting I think you need to accept her exactly as she is. Should she ask for advise, than you can offer some. It is so hard not to want to remake people in our own form, but this is a disaster for any relationship. Go...
by Dan-Fl
Wed Jul 22, 2009 8:57 am
Forum: Personal Consumer Issues
Topic: Laid off....time for a vacation!
Replies: 32
Views: 4982

Your choice

Once, I always had an opinion about what others should do. I try not to go there now.
Think about your options, and than make the best decision for you.
Dan-Fl
by Dan-Fl
Sat Jul 18, 2009 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: ..
Replies: 50
Views: 7905

Saving/spending

Hi, I think I am spending/saving about the same. My cash has increased significantly. I suspect the "fear" factor for me is expressed by having more in liquid assets. I would like to sell my estate in NW Florida and buy in the Tampa area. This is a lousy lousy time to sell and a great time...
by Dan-Fl
Sat Jul 18, 2009 8:54 am
Forum: Investing - Theory, News & General
Topic: Known VBS TIPS Interest Problem
Replies: 67
Views: 9134

Interest

Morning All, Thanks for the heads up. I looked at my holding and two of my tips holdings were to pay interest on 7/15. I multiplied the holding "quantity" times the interest rate and divided by 2. In both cases I received a little more than this calculation. On my 116K holding the excess f...
by Dan-Fl
Thu Jul 16, 2009 10:04 am
Forum: Personal Consumer Issues
Topic: Which Wireless Router?
Replies: 51
Views: 7280

Router

I use a Netgear RangeMax Wireless-N Router WNR834B
It was easy to set up and works well with a desktop XP hardwired, a Vista 64 Bit and a Windows 7 64 Bit Laptop.
The is my first Wireless router.
Dan-Fl
by Dan-Fl
Thu Jul 09, 2009 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating my rent
Replies: 21
Views: 3100

Negotiate

Hi, I am a landlord. I have a few homes I rent. Yes, this is a tough time for us all. My rents are down 20% from their peak a few years ago. I would listen to a tenants request but my expenses are NOT down. My taxes are about the same, my insurance is significantly up, approximately double, repairs ...
by Dan-Fl
Mon Jul 06, 2009 7:16 pm
Forum: Investing - Theory, News & General
Topic: Taylor's Article
Replies: 53
Views: 7640

Congrats

Hi Taylor,
Thanks for showing by your example how simple things can be. My investing has gotten so much easier since coming to Vanguard and simplifying my investments. I am so very grateful to all the good advise I have gotten It has been a pleasure to know you Taylor.
Dan-Fl
by Dan-Fl
Sat Jul 04, 2009 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Where to find a used Scamp
Replies: 7
Views: 2860

Casita

Morning, I had a Casita 17 for about 3 years. It was a nice little trailer which I hauled to Alaska with a 1.8 L GMC Jimmy. I used this little trailer well. It was compact and functional. I would check RV sites and Casita has an owner web site which I think you can find via the CASITA website. Light...
by Dan-Fl
Thu Jul 02, 2009 8:10 am
Forum: Investing - Theory, News & General
Topic: Gov't goofs -- Pays TIPS interest 2 weeks early!
Replies: 27
Views: 4199

None for me

Searching my Vanguard account, I find no evidence of this mistake. I guess I have to wait another 13-14 days.
Dan
by Dan-Fl
Tue Jun 30, 2009 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Firefox 3.5 available
Replies: 47
Views: 7157

yes and no

I upgraded my XP machine to 3.5 but I will wait before updating my Windows 7 RC.
I do like Firefox. Have played with Chrome but so far not excited by it.
Dan-Fl
by Dan-Fl
Tue Jun 30, 2009 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Most reliable car for $27-33k
Replies: 57
Views: 8488

Car Choice

Morning, When I bought my VW Passat Wagon in 2004 I looked over the choices. The overall reveiw of this car was quite good. I picked a lesser model with the 1.8 Turbo 4 engine. It has been a fine automobile. In fact, the future years with this car by others experience will be expensive. For some rea...
by Dan-Fl
Sat Jun 27, 2009 7:36 am
Forum: Personal Consumer Issues
Topic: Is anybody using Windows 7?
Replies: 25
Views: 4993

Yes

Morning, I installed Windows 7 RC on my Laptop when it became available a couple of months ago. It has been quite flawless. It is smarter than Vista was. I have a 64 bit version which was part of the problem with Vista. I have use of this until about july or august on next year. I will buy the newes...
by Dan-Fl
Wed Jun 24, 2009 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Replacing my AC unit, does this sound like a good deal?
Replies: 32
Views: 9877

More quotes

Hi, I would get multiple estimates. I think Lennox will be on high end. Builders grade will be on low end. Seer should be 13 or more. Bells and whistles are not my thing. American Standard has been recommended to me although they are pricey. I am in Florida where we use A/C a lot. Good luck Dan
by Dan-Fl
Tue Jun 23, 2009 6:56 am
Forum: Investing - Theory, News & General
Topic: Markets are Ready to Fall
Replies: 57
Views: 12942

Heads, tail

Hi Rick,
Funny thing about flipping a coin, when I am right I remember it, when I am wrong I forget. My forgetter is often broken about this and many other things.
Dan-Fl
by Dan-Fl
Mon Jun 22, 2009 2:56 pm
Forum: Personal Consumer Issues
Topic: Can a car be fully restored after accident?
Replies: 31
Views: 7301

Suspect it can be fixed.
Da-Fl
by Dan-Fl
Mon Jun 22, 2009 8:15 am
Forum: Personal Consumer Issues
Topic: How educated are the bogleheads? (Poll on highest education)
Replies: 84
Views: 13993

Meaningless post

I finish high. So what. It is not the degrees you attain in life, it is what you do with your life.
What you do is not measured with financial success.
Getting way to deep for this post. This could be a session in Texas.
Dan-Fl
by Dan-Fl
Sat Jun 20, 2009 7:16 am
Forum: Personal Consumer Issues
Topic: Car with 540,000 miles on it and counting
Replies: 16
Views: 3653

Reliability

Until 2002 I was buying American Cars. After about 100K, I began to feel uncomfortable regarding reliability when taking trips even though they were well maintained. Now, I have a VW and don't feel particularly different about it. I guess since I can afford a newer car which might be more reliable I...
by Dan-Fl
Thu Jun 18, 2009 10:01 pm
Forum: Personal Consumer Issues
Topic: Replacing water heater
Replies: 21
Views: 4173

Gas Water Heater

In one of my rentals, the water heater began to leak recently. My understanding is there are only a limited number of manufacturers. I checked out Lowe's and HD. Lowes has Whirlpool. There are very serious problems with this unit. It fails often and takes a while to get part under warrenty from Whir...
by Dan-Fl
Wed Jun 17, 2009 6:43 am
Forum: Investing - Theory, News & General
Topic: Google vs. Bing
Replies: 45
Views: 7009

Bing vs Google

Personally, I don't find bing very appealing or attractive. I have used it since its release. More interesting for the upcoming months is Windows 7. I have been using the Windows 7 RC since its release and am happy to be Vista free. I think it will be a good product and therefore MSN is on another r...
by Dan-Fl
Tue Jun 16, 2009 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Bogleheads 8
Replies: 11
Views: 2228

GO

Hi Brad, No Comment on your analogy, but..........by going you meet a number of authors who you may be reading. Meeting an author is helpful to me. Meeting others who have invested by various methods over the past decades and now are doing it themselves can be very helpful. Now, if I ask Mel or othe...
by Dan-Fl
Tue Jun 09, 2009 7:23 am
Forum: Investing - Help with Personal Investments
Topic: Variable annunites w/ riders
Replies: 18
Views: 5704

Annuity

Hi Susan, Unemployed and confused and hit seriously by downturn of the market. These are reasons to read some nonbiased books already recommended and not doing the broker pushed annuity purchase. I hope Taylor will chime in. He has bought annuities much later in life with a lot of reflection. I am s...
by Dan-Fl
Tue Jun 02, 2009 6:59 am
Forum: Personal Consumer Issues
Topic: Tires?
Replies: 42
Views: 9511

Tires

My 2004 needed tires last year. The dealer quoted me a price for Michelin.
I was sure I could beat the price. Not true. I have them install them. Nitrogen fill is useless to me due to dealer being 50 miles distant.
When the tires need further filling I have to just use air.
Dan
by Dan-Fl
Mon Jun 01, 2009 8:34 am
Forum: Personal Consumer Issues
Topic: Whole house airconditioners- York, Carrier, etc.
Replies: 30
Views: 5748

A/C Units

Morning, This is not an easy topic. Firstly, the government is mandating a change I believe next year from Freon 22 or Puron to a newer gas. What we can buy today is largely effected by this upcoming mandated change. I had a Lenox in my Florida home and it did well from 1972 until about 2002. Newer ...
by Dan-Fl
Thu May 21, 2009 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Blue Screen of Death-Need a little computer help from gurus
Replies: 51
Views: 7809

Frustrating for sure

Hi ED, Hmmmm, not a good set of initials for you! I suspect it is something in one of the auto upgrades that is causing your problem. It reminds me to do more restore points. I always forget to do them and than I don't have a good place to go back to. Good luck Dan PS I am running windows 7 RC on th...
by Dan-Fl
Sun May 17, 2009 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Switching to MAC
Replies: 69
Views: 9337

Windows 7 RC

I really did not have time this morning to read this entire set of responses but I thought I would throw in my response. I am a PC person thus far. I bought a new Laptop in November and was stuck with Windows Vista 64 bit version. I am not happy with it. I switched to Windows 7 last week. I only hav...
by Dan-Fl
Sun May 03, 2009 8:43 pm
Forum: Personal Consumer Issues
Topic: Give Me an Interesting Link... What's Your Passion?
Replies: 56
Views: 15363

HAMS Galore

KR4JV here
Dan-Fl
by Dan-Fl
Wed Apr 29, 2009 8:18 am
Forum: Personal Consumer Issues
Topic: Visit Alaska in mid October, or too late?
Replies: 13
Views: 4050

COLD

Hi,
Depends what you like. I did alaska from June to August and I found that very nice. For me your idea of later in the season would not be my choice.
Dan
by Dan-Fl
Sun Apr 26, 2009 7:13 am
Forum: Personal Finance (Not Investing)
Topic: BofA online banking Firefox problem
Replies: 9
Views: 3005

I am using vista home premium 64 bit, FF 3.0.9 and use BOA for credit card. I have no problem with them.
Dan-Fl
by Dan-Fl
Thu Apr 23, 2009 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Advices please... wife diagnosed with cancer
Replies: 31
Views: 8761

Cancer

I am so sorry to hear of your wife's bad news. Sounds like you have done good things in organizing you life to this point. Since the details of her condition are not in your post my response needs to be generic which is probably where it should be. I am a cardiologist not an oncologist. Get the best...
by Dan-Fl
Wed Apr 22, 2009 10:59 am
Forum: Investing - Theory, News & General
Topic: SAY HAPPY 80TH BIRTHDAY TO JACK BOGLE
Replies: 101
Views: 16060

Birthday Wishes

Dear Jack,
You truly reflect and demonstrate the ability to continue to give back. Your work is a monument that is reflected in so many other people.
Thanks for all you have done, and amazingly continue to do each and everyday.
A fellow Blair Alumnus
Dan-Fl
Daniel Gralnick
by Dan-Fl
Tue Apr 21, 2009 7:52 am
Forum: Personal Consumer Issues
Topic: need your advice on finding a doctor/specialist
Replies: 7
Views: 1941

my thoughts

I am a cardiologist. If my office was called with a vague work up story they got put in the elective group. If someone called and they needed a catheterization they were put to the head of the line. Person who I went to would be boarded, and privileged at all the local hospitals, mid aged. I don't c...
by Dan-Fl
Fri Apr 17, 2009 8:15 am
Forum: Investing - Theory, News & General
Topic: Tips fund(VG) vs Individual Tips
Replies: 7
Views: 1705

Tips fund(VG) vs Individual Tips

I understand some of the differences of these products. When we discuss tips in the forum I would recommend that we be specific if we are talking about Tips Fund or Individual Tips, bought at auction or on the secondary Market. If there is not a difference fine, but I believe there is a difference s...
by Dan-Fl
Mon Apr 13, 2009 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Your Internet Service Provider Evaluation is appreciated.
Replies: 54
Views: 12740

Dial Up

Hi, Personally, High speed is very desirable as far as I am concerned. I guess it really depends on the options at your home. You are paying way too much for dial up. I suspect you might have more options, seek them out and find out what the real price will be, not the introductory price. I would al...
by Dan-Fl
Sat Apr 11, 2009 7:50 am
Forum: Personal Consumer Issues
Topic: Using dealer for oil change or not?
Replies: 81
Views: 13529

Oil Change

Hi, Well, I always did my own oil changes. If you want something done right do it ................ Well, bought the filter and oil and than looked under my 2004 VW Passat and I counldn't fit under it. The risk/ benefit of putting it on jacks was just not there. So, off to Walmart I went. Each time d...
by Dan-Fl
Fri Apr 10, 2009 8:06 am
Forum: Investing - Theory, News & General
Topic: Businessweek: Jack Bogle's Last Crusade?.. (link)
Replies: 26
Views: 5381

Oh Jack!

What a great man and gentleman. I do wish he would try to make his life a little easier by at least not using the trains. Surely Jack, you can treat yourself to car service door to door. Maybe Eve, will give you a present for the coming year. Look forward to seeing you in Texas.
Dan-Fl
by Dan-Fl
Sun Apr 05, 2009 7:58 am
Forum: Investing - Theory, News & General
Topic: Too much retirement funding?
Replies: 15
Views: 2496

Put all you can in tax deferred accounts

I have been retired for awhile. I would prefer to have much more in tax deferred than I do. Given a chance to do things over, I would put everything I could in tax deferred accounts. My age is 63 now, so of course if I had a need I could access them without penalty. However, even before 59+, I felt ...
by Dan-Fl
Wed Mar 25, 2009 10:45 am
Forum: Personal Consumer Issues
Topic: First Speeding Ticket - Help!
Replies: 55
Views: 10382

Ticket

Interesting you are writing about your wife's ticket. She should be the one speaking here, I would suggest. I would not hire an attorney. I would find out if by taking a course, she can get points deleted. If so, I would think this is a good option. If this is not possible, go to court and talk to t...
by Dan-Fl
Wed Mar 18, 2009 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Inflation and TIPS
Replies: 65
Views: 11638

Tips fund vs Individual Tips

I hold a substantial amount of Tips in my IRA account. They are 89% Individual tips, 5, 10, and 20 yr duration. I also have 11% in the Vanguard Tips fund. Further tips buying needs to be in my taxable account. Other choices are CD's, Agency Individual bonds, bond funds which I am not excited about o...
by Dan-Fl
Mon Mar 02, 2009 9:33 am
Forum: Personal Consumer Issues
Topic: Mel's mother
Replies: 93
Views: 13983

Passing

Hi Mel,
Sorry for your loss. My thoughts are with you.
Dan