Search found 1280 matches

by pjstack
Mon Jun 03, 2013 7:57 pm
Forum: Investing - Theory, News & General
Topic: Controlling emotions
Replies: 37
Views: 3678

Re: Controlling emotions

Those "losses" of yours; they aren't losses unless/until you sell. There are those who disagree with that statement, but I don't understand why.

Same with the gains, I suppose.
by pjstack
Mon Jun 03, 2013 7:51 pm
Forum: Personal Investments
Topic: Investing newbie is nervous about his portfolio!
Replies: 24
Views: 2933

Re: Investing newbie is nervous about his portfolio!

You really didn't need to open up a brokerage account to buy mutual funds from Vanguard.

Why pay extra, is my motto.
by pjstack
Mon Jun 03, 2013 11:26 am
Forum: Personal Consumer Issues
Topic: Please advise on Gold Coin Purchase
Replies: 28
Views: 7302

Re: Please advise on Gold Coin Purchase

My only suggestion is NOT to buy numismatic coins such as $20 U.S. double eagles, etc. Numismatic coins are a whole different ball game when it comes to pricing and vary widely based on condition. Unless coins are your hobby, you will likely be like a lamb led to slaughter. Stick with bullion coins....
by pjstack
Sat Jun 01, 2013 1:11 pm
Forum: Personal Investments
Topic: What you tell yourself when you end up buying at a peak
Replies: 47
Views: 4869

Re: What you tell yourself when you end up buying at a peak

Who says it was the peak?
You mean it will never go up again?
We're doomed!!
by pjstack
Fri May 31, 2013 9:33 pm
Forum: Investing - Theory, News & General
Topic: If you could have only one fund, what would it be?
Replies: 175
Views: 46404

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

Darn it! I'm invested in VBIAX (an admiral fund), but I guess it isn't the Life Strategy Fund I thought it was.

How embarrassing.
by pjstack
Fri May 31, 2013 7:28 pm
Forum: Investing - Theory, News & General
Topic: If you could have only one fund, what would it be?
Replies: 175
Views: 46404

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

Life Strategy Moderate Growth Fund It's a 60/40 total market index portfolio with 1/3rd of equities in International... 40% Total Stock Market 20% Total International Stock Market 40% Total Bond Market I just checked VBIAX (Life Strategy Moderate Growth) on the Vanguard site and it listed foreign e...
by pjstack
Mon May 27, 2013 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Is spending it the easy part??
Replies: 27
Views: 3033

Re: Is spending it the easy part??

Don't forget your health: you will get older, weaker, and less agile. I remember traveling when younger and seeing oldsters struggling on and off busses, etc. I thought "more power to them that they are still exploring", BUT it would have been more enjoyable when they were younger. Now I'm older and...
by pjstack
Wed May 15, 2013 8:37 pm
Forum: Personal Investments
Topic: How safe are Vanguard funds?
Replies: 19
Views: 2832

Re: How safe are Vanguard funds?

You really can't appreciate Depression era thinking nowadays. I was born in 1936, so all I know of the depression is a childhood view, but I do remember some telling traits of my folks and those around us. Hardly anything was thrown away. When a shirt was worn out all the buttons were cut off and sa...
by pjstack
Thu May 09, 2013 10:15 pm
Forum: Personal Consumer Issues
Topic: Weekly Electricity Analysis
Replies: 38
Views: 3125

Re: Weekly Electricity Analysis

This thread caused me to dig out my Killawatt device. I previously said that my computer and peripherals drew 18 watts when off, but I was mistaken. The present reading is 30 watts when off and about 80 to 90 watts when on. I agree with other poster. 30 W off doesn't sound right. My laptop runs 35-...
by pjstack
Thu May 09, 2013 4:06 pm
Forum: Personal Consumer Issues
Topic: Weekly Electricity Analysis
Replies: 38
Views: 3125

Re: Weekly Electricity Analysis

This thread caused me to dig out my Killawatt device. I previously said that my computer and peripherals drew 18 watts when off, but I was mistaken.

The present reading is 30 watts when off and about 80 to 90 watts when on.
by pjstack
Wed May 08, 2013 1:29 am
Forum: Personal Consumer Issues
Topic: Weekly Electricity Analysis
Replies: 38
Views: 3125

Re: Weekly Electricity Analysis

An astonishing amount of electricity is from "vampire" drains. Your TV isn't really "off" when you turn it off because there is a tiny trickle going to it so that you get "instant on" when you hit the remote "on" button. The same with computers and accessories, all those little transformer plugs you...
by pjstack
Tue May 07, 2013 6:16 pm
Forum: Forum Issues and Administration
Topic: Links underlined in red?
Replies: 3
Views: 1088

Re: Links underlined in red?

Thanks for the answer. I'm having my software expert (my wife) search for the malware. It' really annoying, but I'm sure she will ferret it out.

I'll try out some key words the malware seems to like: spam, investment, retirement, and money.
by pjstack
Tue May 07, 2013 4:59 pm
Forum: Forum Issues and Administration
Topic: Links underlined in red?
Replies: 3
Views: 1088

Links underlined in red?

Is it just my computer? There seem to be a bunch of "key words" in the text of posts that lead to spam sites. What's happening? Is the forum software set up this way as some sort of revenue raising device? I don't care for it very much. (Good grief! One just showed up in the first line of this post!)
by pjstack
Mon May 06, 2013 6:40 pm
Forum: Investing - Theory, News & General
Topic: Rejoice! Your House Is An Investment Again
Replies: 105
Views: 9924

Re: Rejoice! Your House Is An Investment Again

It appears that house flippers and hedge funds are working hard to bubblize (to make up a word) the housing market again.

People keep cheering rising prices, which seems strange to me.

(Disclaimer: my mortgage is paid off.)
by pjstack
Sat May 04, 2013 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Military SBP--Gotta make the decision soon
Replies: 12
Views: 4360

Re: Military SBP--Gotta make the decision soon

SBP = Survivor Benefit Payment. If you sign up for SPB your retirement payment is reduced right now, but if/when you die your spouse continues to get 55% of your retirement pay. The choice is reduction in retirement pay now in order for spouse to get 55% of pay upon retiree's demise. (For those not ...
by pjstack
Wed May 01, 2013 2:14 pm
Forum: Personal Consumer Issues
Topic: wedding gift - tacky or not ....
Replies: 57
Views: 4588

Re: wedding gift - tacky or not ....

. . . . it's relatively liquid for the recipients if they so desire. Is it really? I guess it depends on what the meaning of "relatively" is, but aren't there some serious transaction costs involved in trying to sell a coin, gold or not? Personally, I'd accept the gift and say "thank you," but priv...
by pjstack
Tue Apr 30, 2013 5:48 pm
Forum: Personal Consumer Issues
Topic: wedding gift - tacky or not ....
Replies: 57
Views: 4588

Re: wedding gift - tacky or not ....

I, for one, think it would be a wonderful gift!
by pjstack
Fri Apr 26, 2013 6:29 pm
Forum: Personal Investments
Topic: I-Bonds: Paper or Electronic
Replies: 44
Views: 2816

Re: I-Bonds: Paper or Electronic

I certainly don't think Nisiprius or Mel Lindaur are paranoid about Treasury Direct or the internet in general. Their point (and mine) is that paper bonds are less likely to be overlooked by your heirs. If you have arranged so that your heirs can step up to your computer and access your account (and...
by pjstack
Fri Apr 26, 2013 4:28 pm
Forum: Personal Investments
Topic: I-Bonds: Paper or Electronic
Replies: 44
Views: 2816

Re: I-Bonds: Paper or Electronic

+1 what Nisiprius said!
by pjstack
Tue Apr 23, 2013 1:59 am
Forum: Personal Finance (Not Investing)
Topic: Buying car from rental companies such as Enterprise, etc..
Replies: 16
Views: 2979

Re: Buying car from rental companies such as Enterprise, etc

I bought a Ford van from Enterprise and I was satisfied (but I'm easy to please).
by pjstack
Mon Apr 22, 2013 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiary of IRA
Replies: 6
Views: 1221

Re: Beneficiary of IRA

IRS Publication 590.

It can be confusing at times leading the reader to mix up traditional IRA's with Roth IRA's, so read carefully.
by pjstack
Sun Apr 21, 2013 7:32 pm
Forum: Investing - Theory, News & General
Topic: "Barron's"
Replies: 22
Views: 2965

Re: "Barron's"

Cherokee8215 wrote:I'll admit I'm a subscriber (using airline miles). I enjoy reading it, even if their ideas aren't ones I typically take action on. Kind of makes me feel like a "rich investor guy".

Like a loner reading a Playboy, I guess.
My vote for the funniest post of the day!
by pjstack
Thu Apr 18, 2013 2:20 am
Forum: Investing - Theory, News & General
Topic: How does a Boglehead respond to this video?
Replies: 10
Views: 1629

Re: How does a Boglehead respond to this video?

The fine print: "The material contained herein is intended as a general market commentary. Opinions expressed herein are those of Richard Madigan and may differ from those of other J.P. Morgan employees and affiliates. This information in no way constitutes J.P. Morgan research and should not be tre...
by pjstack
Wed Apr 17, 2013 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Escrow or No Escrow?
Replies: 26
Views: 3476

Re: Escrow or No Escrow?

I got rid of the escrow account as soon as I could on my first house and avoided (big enough down payment) on my two subsequent dwellings. It is not very onerous (in my opinion) to pay property taxes and homeowners insurance by writing checks from your own account. Why pay PMI? Why rely on someone e...
by pjstack
Mon Apr 15, 2013 4:14 pm
Forum: Personal Consumer Issues
Topic: Poll: Boglehead travel
Replies: 41
Views: 3307

Re: Poll: Boglehead travel

I'm going to take a four day "mini" cruise next month.

Since we are going on Carnival Cruise Lines it may turn into an "adventure" (but I hope not).
by pjstack
Sat Apr 13, 2013 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: What does one TRILLION dollars look like?
Replies: 25
Views: 3140

Re: What does one TRILLION dollars look like?

I'm arithmetically challenged so please bear with me. If one cube is $100 million and there appear to two cubes to a stack ($200 million), then the first five stacks in the first row should equal one billion dollars. (A billion is one thousand millions, right?) Just the first five stacks doesn't loo...
by pjstack
Fri Apr 12, 2013 4:00 pm
Forum: Investing - Theory, News & General
Topic: Big S&P Gains almost as stressful as Big Drops
Replies: 48
Views: 5073

Re: Big S&P Gains almost as stressful as Big Drops

Because your avatar is labeled "s b Ashore".
by pjstack
Fri Apr 12, 2013 3:18 pm
Forum: Investing - Theory, News & General
Topic: Gold and Silver down a lot today
Replies: 14
Views: 1701

Re: Gold and Silver down a lot today

I think you will find that if you try to buy silver (real silver coins or bullion) you have to pay a "premium" that brings the actual price back up to approx. $30 per troy oz.

Unless of course they are mysteriously "out of stock".
by pjstack
Tue Apr 09, 2013 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Filed unnecessary form with federal taxes....
Replies: 6
Views: 823

Re: Filed unnecessary form with federal taxes....

I've filed unnecessary forms before (K-1 for instance) and the IRS never made a comment one way or the other.

Let it ride.
by pjstack
Sun Apr 07, 2013 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: [Tax question: Donating to charity by gifting to another]
Replies: 49
Views: 2537

Re: [Tax question: Donating to charity by gifting to another

I don't understand the problem. Can't you give (gift) someone $16,000 before any "Gift Tax" paperwork is involved?

I don't see the problem giving your daughter $5,000. What she does with it is up to her.

Am I wrong?
by pjstack
Sun Apr 07, 2013 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: When to drop full insurance coverage on a car?
Replies: 12
Views: 2188

Re: When to drop full insurance coverage on a car?

But don't ever drop liability!
by pjstack
Sun Apr 07, 2013 2:04 am
Forum: Investing - Theory, News & General
Topic: Even After New Highs, The Rally May Last (NY Times)
Replies: 9
Views: 1636

Re: Even After New Highs, The Rally May Last (NY Times)

Maybe yes, maybe no, blah, blah, etc. (Repeat as necessary to write an article.) No body knows. I apologize for the flippant tone of my response (above). I know that some people agonize over articles like the one referenced by the OP, and, really, who am I to make light of their anxiety? I guess my...
by pjstack
Sat Apr 06, 2013 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Do you discuss your estate with your future heirs?
Replies: 38
Views: 3626

Re: Do you discuss your estate with your future heirs?

Answer: Yes.

ALSO: Burial/ cremation/ body organ donation issues. Repeat this info as often as you think it takes to sink in.
by pjstack
Sat Apr 06, 2013 6:58 pm
Forum: Investing - Theory, News & General
Topic: Even After New Highs, The Rally May Last (NY Times)
Replies: 9
Views: 1636

Re: Even After New Highs, The Rally May Last (NY Times)

Maybe yes, maybe no, blah, blah, etc. (Repeat as necessary to write an article.)

No body knows.
by pjstack
Sat Apr 06, 2013 2:57 am
Forum: Personal Investments
Topic: Is today a RBD [Really Bad Day]
Replies: 83
Views: 9319

Re: Is today a RBD [Really Bad Day]

I was lucky because today was the day my automatic monthly allotment to buy shares ($500) takes place. The way the market started out I thought I might get a really big bargain, but I just got a little bargain instead.
by pjstack
Sat Apr 06, 2013 2:44 am
Forum: Personal Finance (Not Investing)
Topic: Why difference in CPA-computed tax vs. tax tables?
Replies: 4
Views: 621

Re: Why difference in CPA-computed tax vs. tax tables?

In all likelihood, you are missing the fact that long term capital gains, qualified dividends, etc. are taxed at lower rates than other income, so if you use the tax tables, you pay too much tax. If you did your own taxes, you would be directed to a rather tedious worksheet that would compute your ...
by pjstack
Wed Apr 03, 2013 5:57 pm
Forum: Investing - Theory, News & General
Topic: Five Really Dumb Money Moves You've Got to Avoid
Replies: 24
Views: 5206

Re: Five Really Dumb Money Moves You've Got to Avoid

I have a small issue with #4. There are strategies that will ensure a larger SS benefit, but nobody can say for certain if they took it too early. Nobody knows when their time will be up. And depending on other factors taking SS earlier might allow a larger portfolio more time to grow. The payoff f...
by pjstack
Sun Mar 31, 2013 10:09 pm
Forum: Investing - Theory, News & General
Topic: What happened to all of the gold bugs?
Replies: 57
Views: 6655

Re: What happened to all of the gold bugs?

Don't know. Let me know when gold gets back down to $375 an ounce and silver is back down to $6. Then I might pick some up, just to hold in the palm of my hand from time to time. It would probably have to get down to that before you could get a deal! I say that because every time there is a dip in ...
by pjstack
Mon Mar 25, 2013 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Substantially identical definition [Wash sale]
Replies: 4
Views: 759

Re: Substantially identical definition [Wash sale]

Thanks, I bet alot of people get pegged with wash sales unknowingly with these emloyer stock purchase programs. You buy stock at a discount through payroll deduction, sell it out a loss when you're strapped for cash, then 2 weeks later if you're still enrolled in the program you get hit with a wash...
by pjstack
Mon Mar 25, 2013 3:34 pm
Forum: Personal Investments
Topic: Is this shoddy service from Vanguard? Tax forms!
Replies: 13
Views: 1687

Re: Is this shoddy service from Vanguard? Tax forms!

There is an article pertaining to this subject on "Market Watch" website.:
http://www.marketwatch.com/story/4-tips ... MW_popular
by pjstack
Mon Mar 25, 2013 3:26 pm
Forum: Personal Investments
Topic: Is this shoddy service from Vanguard? Tax forms!
Replies: 13
Views: 1687

Re: Is this shoddy service from Vanguard? Tax forms!

I received a warning from Vanguard and then later received a "revised" 1099. Much to my surprise it was identical to the first set sent earlier.
by pjstack
Thu Mar 21, 2013 6:09 pm
Forum: Personal Investments
Topic: purchased i-bonds with tax refund
Replies: 12
Views: 1357

Re: purchased i-bonds with tax refund

I've often wondered about the goofy way they split up the bonds ($50 bonds predominating). My only guess is that they have an awful lot of preprinted stock they want to get rid of!

Anyone got a better theory?
by pjstack
Mon Mar 18, 2013 7:10 pm
Forum: Personal Consumer Issues
Topic: Any New York Times crossword solvers here?
Replies: 20
Views: 2435

Re: Any New York Times crossword solvers here?

I do the Sunday one. The definitions are devilishly misleading (to me, anyway). Great fun, although sometimes takes me two days to let my subconscious work on it!
by pjstack
Sat Mar 16, 2013 1:57 am
Forum: Personal Consumer Issues
Topic: Bit Rot: A Threat To Digital Data?
Replies: 24
Views: 2874

Re: Bit Rot: A Threat To Digital Data?

Um,... There's always paper (gasp!)
by pjstack
Thu Mar 14, 2013 1:57 pm
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 282
Views: 42441

Re: What the forum is missing... [ability to upvote posts]

As I recall, "voting" was the was one of the reasons we left the original MorningStar forum.

"Up" or "down" voting can be a huge troll attractor.

I prefer the forum as it is now.
by pjstack
Sat Mar 09, 2013 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: So how long will I live? How long do I plan for?
Replies: 55
Views: 5835

Re: So how long will I live? How long do I plan for?

"If you want to hear the gods laugh, tell them your plans".
by pjstack
Thu Mar 07, 2013 1:11 am
Forum: Personal Finance (Not Investing)
Topic: My experience with a financial advisor
Replies: 43
Views: 4712

Re: My experience with a financial advisor

Just say "no". A good salesman has an answer for everything except "no". They also have answers for "why", so don't explain.

Just say "no". Repeat as necessary.
by pjstack
Thu Feb 28, 2013 8:42 pm
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 100
Views: 18837

Re: Stacked up some more silver bullion today

Thanks for the reply. I wish I could get only $0.56 over spot!
by pjstack
Thu Feb 28, 2013 7:30 pm
Forum: Personal Investments
Topic: Open mutual funds in borkerage account or Roth IRA?
Replies: 5
Views: 1035

Re: Open mutual funds in borkerage account or Roth IRA?

If you do buy mutual fund(s), you don't need a brokerage account; just buy them directly from Vanguard.
by pjstack
Thu Feb 28, 2013 7:23 pm
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 100
Views: 18837

Re: Stacked up some more silver bullion today

Did you buy it at a local coin store? Or, on line? (how much was shipping?)

Or is it "paper" silver?

That's a good price.