Search found 354 matches

by Bruce
Wed Jan 22, 2014 5:55 pm
Forum: US Chapters
Topic: Taylor's 90th Birthday
Replies: 272
Views: 35867

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy Birthday Taylor, You have already done an amazing amount of good in your time on this planet, and you continue to share your knowledge and wisdom with the rest of us, at a time many others have decided to just take it easy. Truly appreciate your contributions to our country and to this forum. ...
by Bruce
Tue Jan 07, 2014 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: The Rent is Late
Replies: 31
Views: 6411

Re: The Rent is Late

Glad you are working to resolve the situation. I was once a land lord (and glad I am not anymore), but I found the advice in Leigh Robinson's book invaluable and helpful with a tenant falling behind in rent. Worked with her over the years, and even eventually sold the tenant the property where she s...
by Bruce
Sat Jan 04, 2014 9:50 am
Forum: Personal Investments
Topic: Best place to start Coverdell ESA account?
Replies: 12
Views: 2685

Re: Best place to start Coverdell ESA account?

Not sure Vanguard will let you open a new Coverdell college savings account anymore, I also have these accounts for my kids at Vanguard, but Vanguard now appears to be offering only the 529 account option for new college savings accounts, I think since late 2010 when it looked like the annual Coverd...
by Bruce
Fri Jan 03, 2014 9:47 am
Forum: Personal Investments
Topic: Please Help a 36 Yr Old With $7m+ Portfolio
Replies: 83
Views: 16304

Re: Please Help a 36 Yr Old With $7m+ Portfolio

You are getting some thoughtful advice. I just wanted to make one clarification to Laura's helpful post. Bill Bernstein writes some great books that are well worth your time to read, but his investment firm actually has a higher minimum investable asset portfolio size then currently fits your profil...
by Bruce
Mon Dec 23, 2013 9:08 am
Forum: Personal Investments
Topic: does VG offer a SPIA indexed to CPI or so ?
Replies: 8
Views: 1067

Re: does VG offer a SPIA indexed to CPI or so ?

BobK
Thanks for taking the time to put together a very informative and useful reply.

I am not in the SPIA market yet, but the links and info you provided helped me learn some very helpful info for future planning.


regards,
by Bruce
Thu Oct 24, 2013 7:40 am
Forum: Investing - Theory, News & General
Topic: how to set up roth for my son
Replies: 11
Views: 1167

Re: how to set up roth for my son

Congratulations to your son, hope your son develops a thick skin and high degree of self confidence from his experience and is soccer referee in a league where coaches and parents are advised that ref abuse turns away the young referees needed to grow the game. YES he can set up a Roth IRA, however ...
by Bruce
Tue Oct 22, 2013 3:18 pm
Forum: Investing - Theory, News & General
Topic: What to Read After the Bogleheads Guide to Investing?
Replies: 25
Views: 3273

Re: What to Read After the Bogleheads Guide to Investing?

I recommend The Investor's Manifesto by Bill Bernstein. And if you go to his website it is hard to find a better list of addtional reading then http://www.efficientfrontier.com/reading.htm Bill writes, "Those of you who are seeking investing enlightenment are not going to find much of it on the Web....
by Bruce
Tue Oct 22, 2013 2:30 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 12 VIDEOS
Replies: 60
Views: 10554

Re: BOGLEHEADS 12 VIDEOS

Thanks for taking the time to put this together.

Excellent fireside chat.

Not quite as good as being there in person, but sure is a close second.
by Bruce
Tue Oct 22, 2013 1:34 am
Forum: Personal Consumer Issues
Topic: Car rental - how to minimize all those fees?
Replies: 47
Views: 6992

Re: Car rental - how to minimize all those fees?

Same experience, I find that I usually get the best car rental rates through Costco Travel website, and the full price including taxes and fees is displayed at time of reservation. Sometimes a larger car is offered at a cheaper rate then the smaller sizes, so start your search with a full range of s...
by Bruce
Sat Oct 19, 2013 12:02 pm
Forum: Personal Investments
Topic: Why is there a target retirement 2010 fund at Vanguard?
Replies: 8
Views: 961

Re: Why is there a target retirement 2010 fund at Vanguard?

Also quite useful as a fund to keep Coverdell ESA college savings for current university students.
by Bruce
Fri Oct 18, 2013 10:00 am
Forum: Personal Finance (Not Investing)
Topic: First time checking credit score - some advice?
Replies: 16
Views: 1622

Re: First time checking credit score - some advice?

Best credit related info I have found comes from Liz Weston. Amazing enough Amazon has the kindle edition of her books for free at the moment. 4 books total. Says list price is $90. Liz Weston on Personal Finance (Collection) (2nd Edition) [Kindle Edition] Liz Weston (author) A brand new collection ...
by Bruce
Fri Oct 18, 2013 9:31 am
Forum: Personal Finance (Not Investing)
Topic: 5 Free Kindle books including 4 from Liz Weston
Replies: 11
Views: 2375

Re: 5 Free Kindle books including 4 from Liz Weston

Thanks for the tip. Just downloaded them.

What a deal!

Liz Weston is a credible source of good useful personal finance info, she was a personal finance writer for the LA Times for many years and a reporter for the Anchorage Daily News before that.

regards,
by Bruce
Fri Sep 13, 2013 7:56 pm
Forum: Investing - Theory, News & General
Topic: "The Clash of the Cultures" -- A Gem
Replies: 14
Views: 3166

Re: "The Clash of the Cultures" -- A Gem

Taylor,
Thanks so much for taking the time to sort through the material and investing your efforts putting together these excellent short summaries.

It is appreciated.

best regards,
by Bruce
Fri Sep 13, 2013 7:47 pm
Forum: Personal Investments
Topic: Why Utah 529 instead of Vanguard 529?
Replies: 33
Views: 12357

Re: Why Utah 529 instead of Vanguard 529?

Yes, it is the Nevada plan, or at least the low cost plan among several others offered by the State of Nevada college savings plan program. https://nevadatreasurer.gov/collegesavings.htm from the Vanguard website https://personal.vanguard.com/us/whatweoffer/college/vanguard529?Link=more&LinkLocation...
by Bruce
Thu Aug 29, 2013 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Unable to access any Vanguard fund information
Replies: 3
Views: 1402

Re: Unable to access any Vanguard fund information

same issue this morning , tried again later and it worked fine.

Website issues at Vanguard??

regards
by Bruce
Sun Aug 18, 2013 8:02 am
Forum: Personal Finance (Not Investing)
Topic: 15 year versus 20 year mortgage
Replies: 21
Views: 2261

Re: 15 year versus 20 year mortgage

If you can afford higher monthly payment of the lower interest rate 15 year mortgage, I would lock it in before rates change.

Take the 15 year option.

Good luck!
by Bruce
Sun Aug 18, 2013 7:30 am
Forum: Personal Finance (Not Investing)
Topic: pension - survivor benefit or not?
Replies: 22
Views: 2728

Re: pension - survivor benefit or not?

Usually these choices are made before you retire, you are lucky to be retired and still have time to adjust your options. You write that you are both in perfect health, and I hope that stays through your joint retirement But life is not always predictable. I knew a couple where the wife had some ser...
by Bruce
Tue Apr 09, 2013 12:10 pm
Forum: Personal Investments
Topic: Liquidate Brokerage Acct. Before Tranfer to Vanguard?
Replies: 5
Views: 1052

Re: Liquidate Brokerage Acct. Before Tranfer to Vanguard?

Call Vanguard and ask them the best way to do this to minimize additional fees. They deal with this scenario all the time. You may qualify for commission free trades in your Vanguard account, depending on size of the account. Though Vanguard does charge a small account transfer fee no matter how muc...
by Bruce
Sat Feb 23, 2013 1:43 am
Forum: Personal Consumer Issues
Topic: Autoinsurance: The Nitty- Gritty aspects of it
Replies: 26
Views: 2659

Re: Autoinsurance: The Nitty- Gritty aspects of it

I suggest you take a hard look at your reasons for rejecting uninsured and underinsured motorist coverage. The number of drivers on the road with a suspended or revoked drivers license who are not insurable is greater then you think. In addition the number of drivers on the road who never got a lice...
by Bruce
Wed Feb 06, 2013 3:52 pm
Forum: US Chapters
Topic: Scott Burns at Austin Bogleheads
Replies: 12
Views: 2539

Re: Scott Burns at Austin Bogleheads

What a great opportunity to meet Scott in person for those near Austin.

I have enjoyed reading his insights both when he was still with a Dallas News paper and now with his on line commentary at http://assetbuilder.com/

regards,
by Bruce
Fri Jan 25, 2013 5:38 pm
Forum: US Chapters
Topic: Happy Birthday Taylor
Replies: 81
Views: 9021

Re: Happy Birthday Taylor

Birthday Greetings to you Taylor,

Thanks for all you do for the Bogleheads, and hope you keep at it through many more birthdays to come!

best regards,
by Bruce
Thu Jan 17, 2013 3:09 pm
Forum: Personal Consumer Issues
Topic: FAFSA Rules [Free Application for Federal Student Aid]
Replies: 19
Views: 2695

Re: FAFSA Rules

First year I have had to deal with this rather bewildering process as well.

Found this website to have a lot of useful info on the topic.

http://www.thecollegesolution.com

regards,
by Bruce
Thu Jan 17, 2013 10:43 am
Forum: Personal Consumer Issues
Topic: Budget at $96 vs. Enterprise at $114.
Replies: 20
Views: 5387

Re: Budget at $96 vs. Enterprise at $114.

Both Budget and Enterprise are featured rental companies on the Costco Travel website, along with Alamo and Avis. I have consistently found the lowest car rental prices for leisure rental going through Costco compared to other sources, You do need a Costco membership number to make a reservation. ht...
by Bruce
Wed Jan 02, 2013 11:59 am
Forum: Investing - Theory, News & General
Topic: Best CD Providers: Bogleheads Top Ten List?
Replies: 4
Views: 984

Re: Best CD Providers: Bogleheads Top Ten List?

https://personal.vanguard.com/us/funds/bonds/bonddesk

Since all CD's are federally insured up to $250,000 per depositor per bank, I would just choose the highest yield for the duration you are looking for from those available through the Vanguard bond desk.

regards,
by Bruce
Sat Dec 22, 2012 2:28 pm
Forum: Personal Consumer Issues
Topic: Alaskan Trip
Replies: 49
Views: 9952

Re: Alaskan Trip

That is as good as the weather ever gets up here during the late July early August weeks.

Do not confuse it with a lower 48 hot summer day, but the the 24 hour daylight makes up for it.

Enjoy your trip!
by Bruce
Sat Dec 22, 2012 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: best software for financial planning
Replies: 60
Views: 11141

Re: best software for financial planning

Hard to beat these planning tools, both for the quality and the price. http://www.analyzenow.com/Free%20Programs/free_programs.htm Some very helpful articles also available on Bud Hebeler's website "Analyze Now". The mission of Analyze Now is to disseminate inexpensive retirement planning tools to e...
by Bruce
Fri Dec 14, 2012 3:40 pm
Forum: Investing - Theory, News & General
Topic: my annual reading list
Replies: 10
Views: 1681

Re: my annual reading list

Larry,

Thanks for sharing your list, and taking the time to put the web links to more on each book.

I have already put a couple of interest from your list (that I would not have stumbled across on my own) on reserve at the local library and look forward to reading them.

best regards,
by Bruce
Fri Dec 14, 2012 9:05 am
Forum: Personal Finance (Not Investing)
Topic: 2012 Turbotax now available at Vanguard Tax Center
Replies: 72
Views: 10871

2012 Turbotax now available at Vanguard Tax Center

Just downloaded the 2012 Turbotax deluxe software using the link at the Vanguard Tax center page.

https://personal.vanguard.com/us/insights/taxcenter

Sure is a nice benefit of using Vanguard to get the free or discounted access to Turbotax.

regards,
Bruce
by Bruce
Wed May 09, 2012 10:15 am
Forum: Personal Finance (Not Investing)
Topic: FERS Retirement Q
Replies: 4
Views: 872

Re: FERS Retirement Q

It is costing you less then $2000 a year to purchase service credit for those years you already worked, but can now include in FERS.

No other investment you can make with that money is likely to have a higher return.

regards,
by Bruce
Thu May 03, 2012 9:49 am
Forum: Personal Consumer Issues
Topic: dryer vent cleaning--your thoughts?
Replies: 44
Views: 7135

Re: dryer vent cleaning--your thoughts?

I used the following kit from Amazon and it worked very well. Had to do it from both sides since it was too long (I didn't buy the extension kit). http://www.amazon.com/gp/product/B0014C ... hs_product Thanks for the tip on this, I used it yesterday and kit was easy to use and worked great. Make su...
by Bruce
Mon Mar 12, 2012 10:21 am
Forum: Investing - Theory, News & General
Topic: Why Smart People Fail to Beat the Market
Replies: 14
Views: 2480

Re: Why Smart People Fail to Beat the Market

Rick, Well written and interesting piece. Thought this sentence was worth repeating! I ndex investing is a more profitable investment solution than what the masses of investors who remain in denial will achieve in their lifetimes. Thanks for taking the time to write it, and thanks for posting the li...
by Bruce
Mon Mar 12, 2012 1:34 am
Forum: US Chapters
Topic: Pat is coming home !
Replies: 115
Views: 13822

Re: Pat is coming home !

Welcome Home.

Taylor had us worried, but glad to hear you are healing.

Enjoy the beautiful view from the "house that Jack built".

All the best to both of you.

best regards,
by Bruce
Fri Mar 02, 2012 9:21 am
Forum: Personal Finance (Not Investing)
Topic: $340K Lump Or $1960 Monthly No COLA Pension?
Replies: 14
Views: 2008

Re: $340K Lump Or $1960 Monthly No COLA Pension?

Missing some key info here to make a recommendation or decision. When can you start collecting the pension? Immediately, at 65, or some other option? Is there a survivor benefit? How much and how big a payment reduction, if any, for the surviving spouse. What is your health and general life expectan...
by Bruce
Thu Mar 01, 2012 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Are there any precedents for the housing bubble/burst?
Replies: 7
Views: 819

Re: Are there any precedents for the housing bubble/burst?

I would suggest a look at page 5 of the 2011 Berkshire Hathaway annual report to shareholders. Housing will come back – you can be sure of that. Over time, the number of housing units necessarily matches the number of households (after allowing for a normal level of vacancies). For a period of years...
by Bruce
Fri Feb 24, 2012 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Home - Listing Agent vs. Flat Fee MLS
Replies: 15
Views: 2017

Re: Selling Home - Listing Agent vs. Flat Fee MLS

We used the original agent who helped us find our first house as the listing agent to sell that house 16 years later, and also used her as our buyers agent to purchase our existing house. She offered (with no negotiating on our part, just her standard business practice to build a client base of repe...
by Bruce
Wed Feb 22, 2012 11:25 am
Forum: Personal Investments
Topic: TSP Roth
Replies: 9
Views: 1338

Re: TSP Roth

RGB205 wrote:f I increase my Federal tax withholding exemption (0 to 1), decreasing the amount of Federal taxes withheld out of my paycheck, will it affect my AGI?
No

The amount withheld for income tax does not reduce your AGI.
by Bruce
Mon Feb 20, 2012 1:02 pm
Forum: Investing - Theory, News & General
Topic: "What Did You Do When The Market Was Down?"
Replies: 46
Views: 3534

Re: "What Did You Do When The Market Was Down?"

Not sure I understand that chart.

It is not intuitive that a 19% drop in the stock market should have an equal 5% reduction in portfolio stock allocation for a portfolio that is 40% stocks, and a portfolio that is 60% stocks.

regards,
by Bruce
Mon Feb 20, 2012 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Home addition or move?
Replies: 29
Views: 2578

Re: Home addition or move?

Thought this Jonathon Clements quote was on point. “The richest family in the neighborhood may live in the smallest house with the oldest cars.” But ultimately this is not only a financial decision for you. If you stay and add on, do not underestimate the hassle of living with drywall dust and other...
by Bruce
Sun Feb 19, 2012 11:11 am
Forum: Investing - Theory, News & General
Topic: What is a Timber Investment?
Replies: 23
Views: 2939

Re: What is a Timber Investment?

Rayout, Thanks for sharing the link to the Forisk Blog, thought this Jan 2012 post was an interesting view, “Aren’t shares in timber REITs similar to owning timberlands?” Sorry, no. Thanks for playing. When you own shares in a timber REIT, you don’t own timberland. You own a piece of a business, ove...
by Bruce
Wed Feb 15, 2012 6:14 pm
Forum: Personal Investments
Topic: Education Saving Account vs 529
Replies: 6
Views: 871

Re: Education Saving Account vs 529

How about contributing an allowable annual contribution of $2000 to the Education Savings Account (ESA) to get it over $10,000 and qualify for admiral shares? As you know once the ESA is closed out, the option to open a new one at Vanguard is gone. You can still choose to contribute to the 529 plan ...
by Bruce
Wed Feb 15, 2012 10:51 am
Forum: Investing - Theory, News & General
Topic: 2012 boglehead contest
Replies: 8
Views: 963

Re: 2012 boglehead contest

I am rooting for nisiprius to win with that guess of 12579.10 :greedy

best regards,
by Bruce
Tue Jan 31, 2012 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on RVs wanted
Replies: 24
Views: 2702

Re: Advice on RVs wanted

for a week or two its cheaper to rent then own, but most RV rentals do not allow pets inside. For a three day holiday weekend, rentals may not make sense or be avialable. Suggest you try a private party rental for your first few trips before you make a purchase decision. It can be quality family tim...
by Bruce
Mon Jan 30, 2012 11:53 am
Forum: Personal Investments
Topic: Need to learn asap- terrible AA
Replies: 8
Views: 1140

Re: Need to learn asap- terrible AA

http://www.bogleheads.org/readbooks.htm Welcome to the forum. The link above has a number of good books to start your journey. The Investor's Manifesto: Preparing for Prosperity, Armageddon, and Everything in Between by Dr. William Bernstein is my first recommendation from the list, but you can not...
by Bruce
Mon Jan 30, 2012 11:21 am
Forum: Investing - Theory, News & General
Topic: The Superior Performance of Vanguard Funds !
Replies: 6
Views: 1524

Re: The Superior Performance of Vanguard Funds !

Not sure why Vanguard Bond funds did worse then Vanguard Stock funds against their peers over the time period measured. Note especially the three year performance of Vanguard Bond funds, I thought Vanguard excelled in low cost bond funds, am I misreading the data in the bar chart for three year perf...
by Bruce
Thu Jan 19, 2012 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's IRA to Life Insurance Theory?
Replies: 39
Views: 38769

Re: Ed Slott's IRA to Life Insurance Theory?

I have read several of his books, and track the free newsletter advice on his website. My opinion is each of his books I have read offer sound, well thought out advice. His list of questions to ask any one giving you financial advice before investing (in his book "Stay Rich for Life!: Growing & Prot...
by Bruce
Tue Jan 17, 2012 8:02 am
Forum: Personal Consumer Issues
Topic: Good walking hiking shoes?
Replies: 27
Views: 4186

Re: Good walking hiking shoes?

After looking at the photo of your boots that wore out, I suggest you look at Danner hiking boots, especially any of the ones that can be resoled. They are built to last. They cost a bit more at time of purchase, but will keep going long (years) after a cheaper brand is worn out. http://www.danner.c...
by Bruce
Thu Jan 12, 2012 12:36 am
Forum: Investing - Theory, News & General
Topic: Net Worth by Age [and plot]
Replies: 152
Views: 12160

Re: Net Worth by Age [and plot]

Nathan Drake wrote:Some of these numbers seem absurdly high for people so young
Perhaps Ed Slott's "Stretch IRA" is catching on!
by Bruce
Thu Jan 12, 2012 12:34 am
Forum: Personal Consumer Issues
Topic: Sherlock - BBC series on Holmes set in 21st Century
Replies: 67
Views: 6764

Re: Sherlock - BBC series on Holmes set in 21st Century

Thanks for sharing this. Got on Netflix streaming to check it out, and the first episode was so good dear wife and I stayed up to watch the second episode.

Have not seen BBC TV this good since Foyle's War.

regards,