Search found 204 matches

by Dan-Fl
Mon Feb 14, 2011 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Average cost of houses a year from now.
Replies: 27
Views: 2842

Home Prices

Morning, I just sold three homes in the last 30 days. I suspect home prices will continue downward slowly for the next 6-12 months. Lots of inventory, more foreclosures and higher Mortgage rates. I plan to buy when I find what I want. My reason for selling is desire to change location. Here I come T...
by Dan-Fl
Fri Feb 11, 2011 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Tips auction next week or secondary market
Replies: 22
Views: 3602

Tips auction next week or secondary market

Morning The 30 yr tip has the following characteristics on the secondary market this am 30-Year 2.125 02/15/2040 98-17¼ / 2.19 0-21¾ / -0.033 07:59 It is being offered as maybe a new issue next week with maturity of 2/15/41 I guess this is a new issue and not selling more of last issue. Anyone have ...
by Dan-Fl
Mon Feb 07, 2011 9:47 am
Forum: Investing - Theory, News & General
Topic: TIPS Aren't Much Help for Retired Investors from Yahoo
Replies: 15
Views: 2869

Gramppa

I understand your situation and am invested similarly. I would say TIPS individual bonds might not be for you. You have to pay tax on income you don't get until maturity(fantome income) or you cash the bond in. This is the downside for you. But tips fund does not have that problem. I have tips fund ...
by Dan-Fl
Mon Feb 07, 2011 8:30 am
Forum: Investing - Theory, News & General
Topic: 30 year TIPs yield at 1.98%- back up the truck, beep, beep..
Replies: 501
Views: 111159

TIPS Purchase

Morning, As I look at my account and purchase page this is what I see. It is 7:26 am CST now. Portfolio/Account: Issue: T Tips (Tips) Security Type: Secondary Treasury Coupon: 2.125 Maturity: 02/15/2040 Frequency: Semiannual Transaction Type: Buy Number of Bonds: Bond CUSIP: 912810QF8 (1 to 500) Pri...
by Dan-Fl
Thu Jan 27, 2011 8:50 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads 9 2010 Reunion DVD set
Replies: 48
Views: 12559

Paypal

Did the paypal thing for the 5.50 and I am guessing you get my name and address from them.
Thanks for all this work you are doing
Dan-fl
by Dan-Fl
Tue Jan 25, 2011 8:13 am
Forum: Personal Consumer Issues
Topic: Price of Lipitor
Replies: 44
Views: 9690

Lipitor

Have you checked getting it via Canada. I get drugs via this route and often at about 25-50% of US prices. I believe the same drug.
Dan, MD FACC
by Dan-Fl
Mon Jan 10, 2011 8:55 am
Forum: Investing - Theory, News & General
Topic: Ivestment Property, got one?
Replies: 14
Views: 2028

Returns

Morning, Built two homes on my property in 2002 and 2003 for Rentals, Nice 1200 sf brick veneer homes 3/2. This has been a bad rental decade but it has been a good experience. I do all the work involved with rentals. Yards, and maint. During this period Insurance has increased from 325/yr to 1100/yr...
by Dan-Fl
Mon Dec 27, 2010 9:18 am
Forum: Investing - Theory, News & General
Topic: A Christmas Present for You
Replies: 46
Views: 6741

History

Thanks Taylor for what you did than and what you do now.
Hope you are doing well with your current assault.
Dan
by Dan-Fl
Sat Dec 25, 2010 8:48 am
Forum: Investing - Theory, News & General
Topic: What's Your Allocation to High Yield Bonds?
Replies: 80
Views: 9924

HY Bonds

0%
The risk ratio is not there for me. The extra yield is not worth the sleep I lose.
Dan-Fl
by Dan-Fl
Thu Dec 23, 2010 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Moving Chateau Lafite-Rothschild 1967
Replies: 9
Views: 1475

I as owner doesn't have a clue. It has been stored upright and in the last years on its side. It is clear with some sediment. The label looks aged.
I did see one dealer selling it . I am just fishing for information. Many things are getting tossed but this one maybe should not.
Dan
by Dan-Fl
Thu Dec 23, 2010 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Moving Chateau Lafite-Rothschild 1967
Replies: 9
Views: 1475

Moving Chateau Lafite-Rothschild 1967

Good Morning all,
I am moving and in packing have found a bottle of Carruades Chateau Lafite-Rothschild 1967
I suspect it is worth something to a wine drinker. I am a nondrinker.
Anyone have any suggestions about me selling it ? and finding its value?
Dan
by Dan-Fl
Fri Dec 10, 2010 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Father-in-Law advisor [continued]
Replies: 131
Views: 12291

FIL

Hi, A very difficult situation. You want to continue as you are doing. Your wife wants to let FIL manage things. Here we have relationships with FIL, daughter father relationship, husband, wife relationship. I did not review your old post. If your wife is not comfortable with you handling all of thi...
by Dan-Fl
Thu Dec 02, 2010 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Can a dummy do this themselves or should I pay an advisor??
Replies: 74
Views: 9252

DIY

Welcome and Good Morning, Yes, you certainly can do this yourself. In my humble opinion, if you want to do well for yourself and those you might leave money to, you should do this yourself. If you take this on it will help you gain self esteem and confidence and that is good. If these very volatile ...
by Dan-Fl
Mon Nov 08, 2010 8:02 am
Forum: Personal Consumer Issues
Topic: Help me select a Caribbean vacation destination
Replies: 28
Views: 3592

caribbean get away

Morning, Lived in the caribbean on my sailboat for 15+ partial years. Primary in the eastern caribbean and VZ and ABC islands. STT is nice but due to the nature of the island might wind up staying on the compound of your hotel. Same for St. Croix. STJ is nice but pricey and minimal golf potential in...
by Dan-Fl
Fri Nov 05, 2010 7:11 am
Forum: Personal Consumer Issues
Topic: Are Macs that much easier than Windows Machines?
Replies: 238
Views: 21143

PC vs MAC

Don't buy her anything. Let her go to Best Buy or other store that has both and get with a young salesperson and let her work them both in the areas she needs a computer for. Why have her unhappy with you about this choice. Let her make it. I have little experience with MAC but do find PC very easy ...
by Dan-Fl
Mon Nov 01, 2010 8:43 am
Forum: Personal Consumer Issues
Topic: Please help me with Laptop purchase
Replies: 56
Views: 6712

LT

Personally, I shut down my LT a lot of the time, heat is supposed to be the destructive force of LT, so I figure no power no heat.
I am not in a hurry that much.
Dan-Fl
by Dan-Fl
Tue Oct 19, 2010 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Oops! I bought a bond fund in taxable account. Now what?
Replies: 18
Views: 3120

Bond purchase

I would not worry about it, it will be a little extra work on tax return for you or your preparer, but I would not think it will amount to much outlay.
Dan
by Dan-Fl
Fri Oct 15, 2010 6:25 am
Forum: Investing - Help with Personal Investments
Topic: Taylor
Replies: 138
Views: 21698

Follow Up

Hi Taylor I know you can feel the love in the room. You are missed and I especially missed you during our visit to Vanguard last night. Today, at the panel you sage words will be missed. It is your quiet dignity particularly that I miss. I hope to see you at the session next year and maybe when I ge...
by Dan-Fl
Thu Oct 14, 2010 6:06 am
Forum: Investing - Help with Personal Investments
Topic: Taylor
Replies: 138
Views: 21698

Taylor

Morning Taylor, We received your email thru Mel last evening at the event. I and all in the room I believe are sorry about your problem and that we will not see you this year at the event. I am happy you are following advise given and am sure that the good prognosis will occur. I look forward to see...
by Dan-Fl
Wed Sep 08, 2010 7:03 am
Forum: Personal Finance (Not Investing)
Topic: New Car Insurance
Replies: 21
Views: 3724

Ins

Been with Geico since 2004. Experience has been good. Was with the Hartford associated with AARP for a long time prior and that experience was mediocre.
Dan-Fl
by Dan-Fl
Mon Jul 19, 2010 7:01 am
Forum: Personal Consumer Issues
Topic: Do ceiling fans make a big difference?
Replies: 40
Views: 6816

fans

Hi, Here in Florida I find ceiling fans very useful. I have 10 in my home. I feel A/C at 78 and fans on when in the rooms makes for comfort for me. Most of my fans are between 24 and 36 years old. Most of them are "classic" Hunter. I have some Lowe's and HD brand in my rentals and they hav...
by Dan-Fl
Mon Jul 12, 2010 7:09 am
Forum: Personal Finance (Not Investing)
Topic: recently laid off....advice?
Replies: 12
Views: 2361

My Input

Hi, I am much older than you. My main input from what I see in this sad economy with some many people long time unemployed is that no only does unemployment create horrible financial consequences but self esteem suffers enormously. My recommendation is to understand getting the perfect job may be fa...
by Dan-Fl
Tue Jun 15, 2010 6:46 am
Forum: Personal Consumer Issues
Topic: What car would you get if you made $2M a year?
Replies: 106
Views: 13410

Car

25 years or so ago I bought a Porche 944. I learned it had 4 wheels that went round and round but since it was a "quality" car I had very high expectations of it and its performance. I spent a lot of time at the dealer that was 100 miles away. I learned driving very fast cause blue lights ...
by Dan-Fl
Tue Jun 08, 2010 8:38 am
Forum: Personal Consumer Issues
Topic: Does everyone seem more rude to you?
Replies: 94
Views: 10183

Rudeness

We all tend to want what we want when we want it. I wonder what your part in this rudeness was? Did you smile when walking into the situation, we all play a part. If I go out for an evening and have a terrible time, I must look inwardly and see what part I played. Yes, it is a tough time for many ma...
by Dan-Fl
Mon May 31, 2010 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Health Insurance Concerns
Replies: 22
Views: 2658

Medicare

Hi, I am new to Medicare just now. I have had trouble with the 6/1/2010 new changes and Florida not approving Medigap policies, but finally AARP was approved and I settled for Medigap F. It seems to fit my needs and it is much cheaper than what I am currently paying. The advantage plans sound to me ...
by Dan-Fl
Mon May 17, 2010 7:05 am
Forum: Personal Consumer Issues
Topic: Anyone have experience living on a boat?
Replies: 27
Views: 3741

Boat Living

Retired in 1989, Lived on sailboat in the caribbean 6-8 months per year for the next 15 years. To live on a boat in USA and work would not be my thing, to cruise the caribbean or the world, would not trade those years for anything.
Dan-Fl
by Dan-Fl
Tue Apr 20, 2010 7:37 am
Forum: Personal Consumer Issues
Topic: Flying with a cat on Southwest?
Replies: 37
Views: 6339

Flying pets

I have traveled with my Labrador like Pup since she was a puppy. She is 70+lbs so she had to go into cargo. We flew to the caribbean so there were other issues involved. Sedating was never done. From what I have heard sedation can create significant problems with animals. I never did it. My dog was ...
by Dan-Fl
Tue Apr 20, 2010 7:23 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Site
Replies: 6
Views: 1429

Vanguard Site

Morning,
Can't get into the Vanguard site with my Google Chrome browser but can with Firefox. Anyway else with similar issues?
Dan-Fl
by Dan-Fl
Mon Apr 12, 2010 8:16 am
Forum: Personal Finance (Not Investing)
Topic: How much do you pay for tax return help?
Replies: 65
Views: 8432

Per page

Hi,
$50/page would be very expensive for the my return sitting on my desk
Dan-Fl
by Dan-Fl
Mon Apr 12, 2010 8:09 am
Forum: Personal Finance (Not Investing)
Topic: How much do you pay for tax return help?
Replies: 65
Views: 8432

JW Nearly retired, Good Idea. A good friend of mine work for H&R block and basically they charge a good amount for anything other than basic return. They also try to sell outrageous products to help their bottom line. I do like the idea of having a CPA to be there to answer questions/problems th...
by Dan-Fl
Mon Apr 12, 2010 6:57 am
Forum: Personal Finance (Not Investing)
Topic: How much do you pay for tax return help?
Replies: 65
Views: 8432

tax return

Interesting thread.
I pay my CPA about $600.00
Dan-Fl
by Dan-Fl
Sat Apr 03, 2010 10:49 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 9 ANNOUNCEMENT
Replies: 90
Views: 16917

Registration

I was leaving to go to Canaveral early friday Morning, so I received the anouncement than. Since I was going to be gone a few days, filled it out and sent it to back to the California Address. Wonder if I will be the first offically registered via this method. I guess I will get an email when it is ...
by Dan-Fl
Wed Mar 31, 2010 4:58 pm
Forum: Investing - Theory, News & General
Topic: Bogle on CNBC this morning 31Mar10
Replies: 7
Views: 1546

I haven't seen Jack Bogle in awhile, and heard him last at the audio feed at Bogleheads 8. I am thrilled to see him looking and sounding so well.
Hopefully we will have him with us at Bogleheads 9.
Dan-Fl
by Dan-Fl
Sat Mar 27, 2010 8:25 am
Forum: Personal Consumer Issues
Topic: [offered a job in] Alabama - what's it like?
Replies: 45
Views: 10403

ALABama

I live in Fort Walton Beach, Fl., about 160 south of Montgomery. Private me if you want my low down about Mont and Alabama. Also, fill me in on where you live now and where you have lived prior.
Dan-Fl
by Dan-Fl
Mon Mar 22, 2010 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Premium increases for home & auto insurance
Replies: 26
Views: 5136

advocate

Be your own advocate here, and continue to monitor several companies for home and auto policies. They have no loyalty to you and you should have none to them.
Dan-Fl
by Dan-Fl
Mon Mar 22, 2010 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Re HSA plans
Replies: 46
Views: 4447

HSA

When I had insurance that qualified for an HSA I liked the way things worked. As I understood the plan, I put aside $2500 per year in the plan. This tax wise was handled like an IRA. I could use this on noncovered medical costs, dental costs, over the counter drugs, prescriptions, etc. This list of ...
by Dan-Fl
Tue Mar 16, 2010 8:34 am
Forum: Investing - Help with Personal Investments
Topic: CPA says my traditional IRA is a timebomb
Replies: 58
Views: 7367

Taylor weight in

I am so happy to see your opinion on this Taylor. I guess I am happy to see it because it agrees with mine. I for one am not rushing into Roth conversions. I tend to pay taxes as due and thus far I don't think I am being hurt by this philosophy.
Dan-Fl
by Dan-Fl
Tue Mar 16, 2010 8:26 am
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 231
Views: 61812

Interesting

I clicked onto this thread and thought what are we talking about. I just looked at my account and things seemed good. Than I noticed the dates. Yes, it was a frightening time, but I know by staying the course, I have survived well. I have a very conservative AA, 80% fixed and 20% Equity, but through...
by Dan-Fl
Mon Mar 15, 2010 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Car insurance cancelled--suspended for too long?
Replies: 11
Views: 2459

Normal corporate response

Insurance companies do whatever they please. Fortunately, in the Auto Market, we the customer have lots of options. Check around and see if there isn't a better agent/underwriter for you. I suspect there is. Geico has been good for me. When AARP's Auto Insurance Hartford Midwest made life difficult ...
by Dan-Fl
Mon Feb 22, 2010 8:29 am
Forum: Investing - Theory, News & General
Topic: Next Annual Bogleheads Meeting
Replies: 24
Views: 4415

Next Annual Bogleheads Meeting

Morning All,
For planning reasons wondering if we have any dates for the next annual meeting?
Sounded like it was going to be in Philadelphia area. Just wondered what month.
Dan-Fl
by Dan-Fl
Tue Feb 16, 2010 8:41 am
Forum: Personal Consumer Issues
Topic: Anyone here that's cellphone only worried about cancer risk?
Replies: 51
Views: 5155

Risks

I fear medical risks are not well done in this country and worldwide. Take estrogens and womens health. For years, I referred woman to gynecologists for estrogens with the belief I was helping and not hurting. I believe this was not true. There are several other aspects of medicine I can think of th...
by Dan-Fl
Mon Feb 15, 2010 9:05 am
Forum: Investing - Help with Personal Investments
Topic: The role of TIPS in a bond asset mix.
Replies: 48
Views: 7744

Tips

Hi Taylor and others,
I have about the same ratio of tips to other bonds as you. Do you differentiate between tips funds and individually held tips bonds?
Dan
by Dan-Fl
Mon Feb 01, 2010 9:17 am
Forum: Personal Consumer Issues
Topic: Movie Rental Service, Who is Best?
Replies: 54
Views: 7297

Rentals

Netflix has been excellent in every way.
Dan
by Dan-Fl
Fri Jan 22, 2010 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Terrified. Bot FL hs. Expensive here. Marine's home.Golf cou
Replies: 23
Views: 5132

Home buying fears

Morning, Interesting post. Advise is important before a decision, not after. Buying a home is always a big deal. Hard to believe all these things are more expensive in Florida. Expecting the home value to go up in two years is not wise. It will go up but in two years in might be down another 15%. I ...
by Dan-Fl
Fri Jan 08, 2010 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage Lost My $60K Roth Account!
Replies: 225
Views: 47724

Electronic Misplacement

Due to issues like you describe, I want paper copies from companies that hold my money or that I owe money to. I think for issues like disappearance that type of paper generated by them in my possession is always going to hold more weight than things I copy via my computer. I wish for the sake of tr...
by Dan-Fl
Mon Dec 07, 2009 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Single fund in retirement
Replies: 41
Views: 9050

Agree

I would think Target Retirement fund is easy and good for such a situation. Her draw of 4% would probably enable a lot to be left for her heirs.
Dan
by Dan-Fl
Wed Dec 02, 2009 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Error on Web Account information
Replies: 1
Views: 617

Error on Web Account information

I am copying and pasting an email sent to my representative about a problem with my online account access. I would love to hear from others who are having issues with their accounts. My problems mainly are that Vanguard does not seem to be taking seriously my complaints and fixing them. Dear Jonatho...
by Dan-Fl
Tue Dec 01, 2009 9:12 am
Forum: Personal Consumer Issues
Topic: Buying a LCD TV........need advice
Replies: 65
Views: 12945

TV

Morning, Just went thru the process 2-3 weeks ago. My 10 yr. old Toshiba was telling me of imminent demise. I researched and and viewed. I bought a Sony Bravia KDL 46V5100 It is a 46" So far so good. I paid $950 From the sales I have seen, this price seems good even now. I am sure many of these...
by Dan-Fl
Tue Nov 24, 2009 8:32 am
Forum: Investing - Help with Personal Investments
Topic: My adviser thinks I should not be in stocks at all
Replies: 52
Views: 10403

Equity or not

Morning, Appear this has struck a chord with all the responses. From what I have learned with being here as mainly a reader and maybe a real boglehead is do what you are comfortable for me. If you feel brave get rid of advisors when you see they have poor words of wisdom for you. Personally, I have ...
by Dan-Fl
Wed Nov 04, 2009 8:37 am
Forum: Personal Consumer Issues
Topic: Repair vs. Replace Wife's Car?
Replies: 29
Views: 3816

Timing Belt.....

This is a specific and known type of repair for many cars these day. The timing belt is buried deep into the front(side, depending on how your look at things) of the engine. The critical aspect of doing it correctly is most important in terms of resetting valves, injector pumps, etc. I have a VW Pas...