Search found 226 matches

by imbogled
Fri Apr 16, 2021 6:32 pm
Forum: Investing - Theory, News & General
Topic: $10K invested in a Series I Bond in 1998
Replies: 10
Views: 1056

Re: $10K invested in a Series I Bond in 1998

alpenglow wrote: Fri Apr 16, 2021 6:22 pm $10k in the first I Bond would be worth $34,704 today.

See eyebonds.info for valuations.
Thanks for the quick response! It appears that the link provided is broken though.
by imbogled
Fri Apr 16, 2021 6:18 pm
Forum: Investing - Theory, News & General
Topic: $10K invested in a Series I Bond in 1998
Replies: 10
Views: 1056

$10K invested in a Series I Bond in 1998

Hello all.
The Series I savings bond was introduced in 1998. So what would a $10K investment made into the first available I savings bond be worth today?

If it's no problem, can someone show how or where you calculated your results?

Thanks, imbogled.
by imbogled
Thu Apr 15, 2021 4:16 pm
Forum: Investing - Theory, News & General
Topic: Why Does Anyone Listen To Paul Merriman?
Replies: 72
Views: 6179

Re: Why Does Anyone Listen To Paul Merriman?

I listen to his podcasts and appreciate his efforts to clearly explain the investing world.
by imbogled
Mon Apr 12, 2021 4:15 pm
Forum: Investing - Theory, News & General
Topic: Archived presentations/virtual meetings?
Replies: 3
Views: 274

Re: Archived presentations/virtual meetings?

Thank you sleepysurf for the information about the grand endeavor about to take place! I hope it becomes a category like the wiki on the home page. Maybe all things like virtual presentations, Bogleheads On Investing podcasts and other video/audio links can be place in an easy to find tab of some so...
by imbogled
Mon Apr 12, 2021 2:47 pm
Forum: Investing - Theory, News & General
Topic: Archived presentations/virtual meetings?
Replies: 3
Views: 274

Archived presentations/virtual meetings?

Hello all. I was wondering if there is somewhere on the forum to locate and access all the virtual presentations that may have been archived that were hosted and put together by various Bogleheads Chapters? The calendar has been loaded with numerous virtual presentations and I think most of them bec...
by imbogled
Wed Apr 07, 2021 3:07 pm
Forum: Investing - Theory, News & General
Topic: Talking Taxes with Phil DeMuth on the April "Bogleheads on Investing" podcast
Replies: 14
Views: 1727

Re: Talking Taxes with Phil DeMuth on the April "Bogleheads on Investing" podcast

👍👍 Thanks Rick! I found the podcast very helpful. Looking forward to the next one. Keep up the good work. Now if I can only find away to get rid of that opening tune of the podcasts earworm. Imbogled Ps I enjoy a podcast called "Ready For Retirement" by James Conole CFP. I think he has alo...
by imbogled
Sat Apr 03, 2021 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice for high schooler with HFA & difficulty with math
Replies: 65
Views: 6023

Re: Career advice for high schooler with HFA & difficulty with math

I attended a lecture/discussion with Temple Grandin a few years ago. I assume most folks know who she is, if not here's a quick write up about her. "Temple Grandin is one of the world’s most accomplished and well-known adults with autism. She has a PhD in animal science, is a professor at Color...
by imbogled
Tue Mar 30, 2021 1:33 am
Forum: Personal Investments
Topic: Dividends received on 401k bond fund?
Replies: 16
Views: 1075

Re: Dividends received on 401k bond fund?

Investment fee 2.0 bps & custody fee .28 bps I'm a little confused by your notation above. As I understand it, a basis point is equal to .01% So, from your comment above... You're paying .0228% or 2.28 bps. -- OR -- is it .02% + .28% = .30% which would be 30 basis points. Regards, I am paying ....
by imbogled
Mon Mar 29, 2021 7:39 pm
Forum: Personal Investments
Topic: Dividends received on 401k bond fund?
Replies: 16
Views: 1075

Re: Dividends received on 401k bond fund?

Found this in the Financial Page: A Bogleheads Blog

https://www.bogleheads.org/blog/2014/09 ... ent-trust/

Very helpful in clarifying CIT's.
by imbogled
Mon Mar 29, 2021 7:03 pm
Forum: Personal Investments
Topic: Dividends received on 401k bond fund?
Replies: 16
Views: 1075

Re: Dividends received on 401k bond fund?

placeholder wrote: Mon Mar 29, 2021 6:41 pm A fund following the index will perform very similarly to another index fund and what I've done is split my fixed income in the 401k between bond index and stable value where those two now take up most of the space.
Thanks for the reply! I will take a look at the stable value fund in my plan.
by imbogled
Mon Mar 29, 2021 6:58 pm
Forum: Personal Investments
Topic: Dividends received on 401k bond fund?
Replies: 16
Views: 1075

Re: Dividends received on 401k bond fund?

I’m not quite sure what you mean by what type of dividends. Looks like you can get better performance at an ER of .05 with vbtlx. https://investor.vanguard.com/mutual-funds/profile/performance/vbtlx Hello mhalley. The expenses on this account are on average $6 a quarter. Returns compared to Vanguar...
by imbogled
Mon Mar 29, 2021 6:32 pm
Forum: Personal Investments
Topic: Dividends received on 401k bond fund?
Replies: 16
Views: 1075

Re: Dividends received on 401k bond fund?

You didn't give a ticker. Could it be a collective investment trust (CIT) instead of a mutual fund? If yes, I'm not sure they do dividends. I think they may just increase net asset value of the shares. Thanks for the quick and helpful responses! The 401k is managed by Prudential. It more than likel...
by imbogled
Mon Mar 29, 2021 5:47 pm
Forum: Personal Investments
Topic: Dividends received on 401k bond fund?
Replies: 16
Views: 1075

Dividends received on 401k bond fund?

Hello all. My 401k Total Bond Fund tracks Bloomberg Barclays U.S. Aggregate Bond Index. It holds: Corporate 27.24% Gov. Related 6.26% Securitized 28.54% Treasury. 37.09% Other. 0.88% <1 yr .35 1-<3yr. 24.62 3-<4yr. 33.39 5-<7yr. 12.01 7-<10yr 9.5 10 or more 20.08 Investment fee 2.0 bps & custody...
by imbogled
Wed Mar 17, 2021 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: How long before Turbotax updates to..
Replies: 16
Views: 2257

Re: How long before Turbotax updates to..

https://www.google.com/amp/s/www.cnbc.com/amp/2021/03/17/turbotax-hr-block-need-time-for-tweaks-to-10200-unemployment-tax-break.html Quote from article: "TurboTax expects to have updated its software by Thursday evening, according to spokeswoman Ashley McMahon. "We're working around the cl...
by imbogled
Wed Mar 10, 2021 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: How long before Turbotax updates to..
Replies: 16
Views: 2257

Re: How long before Turbotax updates to..

Why would it? The changes are taking place in 2021. According to a recent Yahoo Money article: "Unemployment benefits are typically taxable, but a Senate amendment to the bill would make the first $10,200 of jobless benefits tax free for taxpayers with incomes of $150,000 or less for the 2020 ...
by imbogled
Wed Mar 10, 2021 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: How long before Turbotax updates to..
Replies: 16
Views: 2257

How long before Turbotax updates to..

Hello all. When would you expect Turbotax and other tax software companies to update their software in regards to the changes that are about to happen in the latest stimulus plan?
by imbogled
Wed Mar 10, 2021 11:56 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 452
Views: 33154

Re: [On-going Scams - Post them here]

Vested1. I wonder if you are familiar with the website Fakespot? https://www.fakespot.com/company/amazon You copy and paste the url from the product page on Amazon to Fakespot and it will analyze the products reviews and give a grade from A to F on the authenticity of the reviews. Chicago Tribune h...
by imbogled
Tue Mar 09, 2021 2:22 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 452
Views: 33154

Re: [On-going Scams - Post them here]

Vested1. I wonder if you are familiar with the website Fakespot? https://www.fakespot.com/company/amazon You copy and paste the url from the product page on Amazon to Fakespot and it will analyze the products reviews and give a grade from A to F on the authenticity of the reviews. Chicago Tribune he...
by imbogled
Mon Mar 08, 2021 7:01 am
Forum: Personal Consumer Issues
Topic: 10 day road trip vacation around Lake Michigan
Replies: 31
Views: 2457

Re: 10 day road trip vacation around Lake Michigan

Make sure to squeeze in a visit to Au Sable Point Lighthouse. The 1.5 mile walk along the lake shore to reach the lighthouse is beautiful, as is the lighthouse. One of the highlights from our loop tour of the UP. http://www.exploringthenorth.com/ausable/ausable.html Other memorable things included t...
by imbogled
Wed Mar 03, 2021 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Claiming college grad in regards to stimulus.
Replies: 23
Views: 1301

Re: Claiming college grad in regards to stimulus.

My CPA asked one, simple, clear question regarding my 24 year old who graduated in May and my 20 year old who finished his college in May. "Was he still in school in June?". My answer was, of course no. "Neither of them qualify as dependent". There is no other answer. You don't ...
by imbogled
Wed Mar 03, 2021 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Claiming college grad in regards to stimulus.
Replies: 23
Views: 1301

Claiming college grad in regards to stimulus.

Hello all. My 22 year old child graduated from college in May of 2020. His wages for 2020 were $22,350. We received a 1098-t for 2020 for $5,872. We file jointly. We claimed him as an dependent in 2019 so he received no stimulus money. We will be under the proposed $150,000 income threshold for marr...
by imbogled
Tue Feb 16, 2021 1:23 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads cloak their biometrics?
Replies: 13
Views: 1627

Re: How do Bogleheads cloak their biometrics?

Sorry, I just copied and pasted an email from my spouse. She was just wondering if people are concerned with hackers and such using your face and or finger prints to cause problems. If so, do you do anything to protect yourself?
by imbogled
Tue Feb 16, 2021 1:08 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads cloak their biometrics?
Replies: 13
Views: 1627

How do Bogleheads cloak their biometrics?

Below is a snippet from the Cortana feature on our Surface Tablets at work. It shows that there are options for controlling our very own work device with face or with fingerprint. We are moving rapidly towards biometrics as a tool for identity. Some credit cards utilize the fingerprint feature when ...
by imbogled
Sun Feb 07, 2021 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: "Wealth Multiplier By Age: How Rich Will You Be?"
Replies: 26
Views: 5774

Re: "Wealth Multiplier By Age: How Rich Will You Be?"

I agree that it makes a great motivational tool. So much so, as mentioned that people (my son) feel that they have already won the game. "I will have a million dollars when I am 65, good to go." How can I make him understand that he's only just begun?
by imbogled
Sun Feb 07, 2021 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: "Wealth Multiplier By Age: How Rich Will You Be?"
Replies: 26
Views: 5774

"Wealth Multiplier By Age: How Rich Will You Be?"

https://www.youtube.com/watch?v=3DA4kD3AIsU The link above takes you to a youtube/podcast of The Money Guy Show. A show my college aged son has enjoyed listening to. They seem reasonable enough. They are big on saving and indexing and the like. However, during the first minute of the video linked ab...
by imbogled
Mon Jan 04, 2021 4:45 pm
Forum: Personal Investments
Topic: 400K CD maturing within weeks, how to invest it?
Replies: 43
Views: 5142

Re: 400K CD maturing within weeks, how to invest it?

Would 80%, 10%, 10% in vtsax, vtiax, vbtlx be too aggressive or risky? I'm seeing just 3-5% vbtlx and 1-5% vtiax return over the last 1-5 yrs and that seems too low to keep ~600k money? What were the rates you got on the CD’s that are expiring? I bet they are lower than VBTLX has returned during th...
by imbogled
Tue Dec 29, 2020 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: 2020: Lessons learned
Replies: 237
Views: 16173

Re: 2020: Lessons learned

“Nothing in life is to be feared, it is only to be understood. Now is the time to understand more, so that we may fear less.” —Marie Curie
by imbogled
Fri Nov 27, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: Transmission troubles
Replies: 34
Views: 2433

Re: Transmission troubles (UPDATE)

My friend has been convinced by the mechanic to have the transmission rebuilt for $3700 out the door. I had sent him a link to this thread and he was reading it carefully. He was very close to deciding to cut his loss and look for another vehicle but gave the mechanic a call asking if the car had be...
by imbogled
Thu Nov 26, 2020 6:31 pm
Forum: Personal Consumer Issues
Topic: Transmission troubles
Replies: 34
Views: 2433

Re: Transmission troubles

I give thanks to all who have responded with just the type of advice needed.
by imbogled
Thu Nov 26, 2020 7:31 am
Forum: Personal Consumer Issues
Topic: Transmission troubles
Replies: 34
Views: 2433

Re: Transmission troubles

I checked prices on junkyard ATs for that model year. Based on average price of around $2k or more for junkyard AT, his quote of $3700 for rebuilt AT is pretty good. Knowing that the rebuild price was decent would you still cut your losses? The fact that he just put $1000 of new tires on still nags...
by imbogled
Thu Nov 26, 2020 6:21 am
Forum: Personal Consumer Issues
Topic: Transmission troubles
Replies: 34
Views: 2433

Re: Transmission troubles

Great stuff (ing) everyone. This is the type of information he is looking for to help enable him to make a decision.

Have a Safe and Happy Thanksgiving!
by imbogled
Wed Nov 25, 2020 6:26 pm
Forum: Personal Consumer Issues
Topic: Transmission troubles
Replies: 34
Views: 2433

Re: Transmission troubles

Thanks to everyone. Can he look at it like he's buying a used suv for $3700, a used car he knows the history of and has brand new tires?
by imbogled
Wed Nov 25, 2020 4:47 pm
Forum: Personal Consumer Issues
Topic: Transmission troubles
Replies: 34
Views: 2433

Transmission troubles

Hello all. Posting for a friend. His 2014 Ford Escape's transmission has died. The vehicle has 150,000 miles. Bluebook value if tranny was operating is about $3000 trade in & $4800 private party. The repair facility he had it towed to quoted $3700 for a rebuild and said it would be worth it for ...
by imbogled
Mon Nov 23, 2020 3:15 pm
Forum: Investing - Theory, News & General
Topic: Taylor Sends His Best to Fellow Bogleheads
Replies: 334
Views: 26747

Re: Taylor Sends His Best to Fellow Bogleheads

Just a little pick me up. Morris, an 82 year-old man, went to the doctor to get a physical. A few days later, the doctor saw Morris walking down the street with a gorgeous young woman on his arm. A couple of days later, the doctor spoke to Morris and said: "You're really doing great, aren't you...
by imbogled
Tue Sep 01, 2020 1:30 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 434
Views: 32297

Re: What is the best concert you ever witnessed?

The Cure: October 1985 at Cleveland Music Hall and Peter Gabriel: Secret World Live Tour 1994 Gund Arena, Cleveland. Peter Gabriel's full concert from that tour can be seen here:

https://www.youtube.com/watch?v=azas-1zInJ8

p.s. Lighters not needed while watching the video.
by imbogled
Mon Aug 31, 2020 1:09 pm
Forum: Personal Consumer Issues
Topic: Cleveland Area Living
Replies: 14
Views: 1148

Re: Cleveland Area Living

by imbogled
Mon Aug 31, 2020 11:04 am
Forum: Personal Consumer Issues
Topic: Cleveland Area Living
Replies: 14
Views: 1148

Re: Cleveland Area Living

Northern Lakewood (closer to Clifton, and lake avenues) would work. That's for an average/slightly above cost of living area. Your budget for rental(if that's what you're doing) would help us give you some direction.
by imbogled
Mon Aug 31, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: Cleveland Area Living
Replies: 14
Views: 1148

Re: Cleveland Area Living

Will you be renting a home? Independence, OH would be a very nice location but home rentals are probably tough to come by. Look at areas such as Broadview Hts, southern Parma (South of pleasant valley Rd.) and Middleburg Hts. also. These are listed because of their convenience to both Middleburg and...
by imbogled
Tue Aug 25, 2020 5:14 pm
Forum: Personal Investments
Topic: Inheriting a non-spousal traditional IRA?
Replies: 36
Views: 2259

Re: Inheriting a non-spousal traditional IRA?

Ignorant question: Has he already cashed the check? If not, can it be returned? Otherwise, yes, a tragic avoidable oops. Maximizing his 401k deductions to the absolute max to "return" that money to pre-tax for the rest of the year is his best option if the check has been cashed. And take ...
by imbogled
Mon Aug 24, 2020 1:35 pm
Forum: Personal Investments
Topic: Inheriting a non-spousal traditional IRA?
Replies: 36
Views: 2259

Re: Inheriting a non-spousal traditional IRA?

Thanks suzbanyan! I suspected that it was avoidable. Mathwizard mentioned about contributing $26,000 to the 401k. Is it possible to make a lump sum contribution or does he need to contribute the highest percentage possible in order to max out the 401k? Hello 🤩 would struggle this year to reach that...
by imbogled
Mon Aug 24, 2020 1:12 pm
Forum: Personal Investments
Topic: Inheriting a non-spousal traditional IRA?
Replies: 36
Views: 2259

Re: Inheriting a non-spousal traditional IRA?

Thanks suzbanyan! I suspected that it was avoidable. Mathwizard mentioned about contributing $26,000 to the 401k. Is it possible to make a lump sum contribution or does he need to contribute the highest percentage possible in order to max out the 401k? He would struggle this year to reach that max b...
by imbogled
Mon Aug 24, 2020 12:15 pm
Forum: Personal Investments
Topic: Inheriting a non-spousal traditional IRA?
Replies: 36
Views: 2259

Re: Inheriting a non-spousal traditional IRA?

Since he is over 50, then he has room for $26K in employee contributions in his 401k, assuming he has one. If he is not using the $26K already, then have his benefits office put the amount of the IRA or $26K whichever is less into his 401K, and withdraw that amount from the inherited IRA. He could ...
by imbogled
Mon Aug 24, 2020 11:52 am
Forum: Personal Investments
Topic: Inheriting a non-spousal traditional IRA?
Replies: 36
Views: 2259

Re: Inheriting a non-spousal traditional IRA?

Upon further investigation the money will not be able to be rolled over. It was cashed out during the estate and split with a sibling. Could that have been avoided? Will there be a 10% penalty because of the early withdrawal since he is only 56 years old? I've read conflicting information. It was o...
by imbogled
Mon Aug 24, 2020 10:21 am
Forum: Personal Investments
Topic: Inheriting a non-spousal traditional IRA?
Replies: 36
Views: 2259

Re: Inheriting a non-spousal traditional IRA?

Upon further investigation the money will not be able to be rolled over. It was cashed out during the estate and split with a sibling. Could that have been avoided? Will there be a 10% penalty because of the early withdrawal since he is only 56 years old? I've read conflicting information. It was or...
by imbogled
Sun Aug 23, 2020 2:32 pm
Forum: Personal Investments
Topic: Inheriting a non-spousal traditional IRA?
Replies: 36
Views: 2259

Re: Inheriting a non-spousal traditional IRA?

Thank you retire2022 and suzbanyan. How would he determine if the check he has will not be able to be rolled over into an IRA?
by imbogled
Sun Aug 23, 2020 12:05 pm
Forum: Personal Investments
Topic: Inheriting a non-spousal traditional IRA?
Replies: 36
Views: 2259

Re: Inheriting a non-spousal traditional IRA?

Updated information and question.
by imbogled
Sun Aug 23, 2020 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Young couple, not sure how much house to buy...
Replies: 28
Views: 3410

Re: Young couple, not sure how much house to buy...

The White Coat Investor would be able to offer tremendous advice for you. He is a regular/eminent poster on this forum. Here is a link to his forum profile: https://www.bogleheads.org/forum/memberlist.php?mode=viewprofile&u=735 He also maintains an insightful website in regards to all things fin...
by imbogled
Sun Aug 23, 2020 5:32 am
Forum: Personal Investments
Topic: Inheriting a non-spousal traditional IRA?
Replies: 36
Views: 2259

Re: Inheriting a non-spousal traditional IRA?

He no longer has any debt. I told him to pay off his mortgage with other money he received from the estate. He only had 6 months left on that mortgage. I will make sure he has an emergency fund. He and his spouse will have a nice pension in retirement in a few years. I have not really sat down with ...
by imbogled
Sun Aug 23, 2020 4:14 am
Forum: Personal Investments
Topic: Inheriting a non-spousal traditional IRA?
Replies: 36
Views: 2259

Re: Inheriting a non-spousal traditional IRA?

What if he is afraid of investing? I'm the only one able to "advise" (get him moving on depositing the check he received before he gets clobbered with taxes in 60 days). I know that paid advisors exist but that's what bogleheads are for.😉 I would feel awful if the market absolutely tanked ...