Search found 377 matches

by Bruce
Fri Feb 26, 2021 10:27 pm
Forum: Investing - Theory, News & General
Topic: New "Bogleheads on Investing" podcast with financial historian Jamie Catherwood
Replies: 18
Views: 2196

Re: New "Bogleheads on Investing" podcast with financial historian Jamie Catherwood

Rick Really enjoyed that conversation. I admire your talent at finding interesting guests and sharing a fascinating discussion with the rest of us. The story of the Guinness IPO and the undersea treasure search “bubble” was all new to me, Also enjoyed learning the real story about the tulip bulb tra...
by Bruce
Tue Dec 15, 2020 4:57 pm
Forum: Investing - Theory, News & General
Topic: Register NOW for these Bogleheads Speaker Series Events
Replies: 119
Views: 12832

Re: Register NOW for these Bogleheads Speaker Series Events

Just watched the video with Clark Richards and Christine Benz and really enjoyed it. Great discussion. Well worth an hour of time. Thanks so much to both of them for taking the time to share that, and Thanks to Rick Ferri for “piloting” that discussion, (at least that is how it looked to me with you...
by Bruce
Sun Dec 13, 2020 10:46 pm
Forum: Personal Consumer Issues
Topic: Buying Salmon Online
Replies: 57
Views: 6845

Re: Buying Salmon Online

Anchorage Alaska is a major fed ex hub, Alaskan sea food retailers use fed ex to deliver Alaskan product around the world. Here are three ideas. https://10thandmseafoods.com/ The link above is a long standing family owned Alaska seafood business that has the ability to ship your seafood anywhere fed...
by Bruce
Wed Dec 02, 2020 1:13 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6592
Views: 1453625

Re: What Movie Have You Recently Watched?

My Octopus Teacher on Netflix. A documentary filmmaker experiencing a mid-life crisis spends a year observing (and filming) an octopus in the wild. The visuals are stunning, the filmmaker's narration is thought-provoking. I'm going to watch it again, and maybe again after that. Official trailer . W...
by Bruce
Fri Nov 27, 2020 2:20 pm
Forum: Investing - Theory, News & General
Topic: The 7 biggest shockers from my four decades of financial planning - from Allan Roth
Replies: 6
Views: 2417

Re: The 7 biggest shockers from my four decades of financial planning - from Allan Roth

Great article. Thanks for taking the time to share. Most interesting portion to me was this: “My first awakening came in 2008 when I assisted a client in filing a complaint against a CFP who double-dipped selling an annuity, taking both commission and ongoing AUM fees. The CFP board found the client...
by Bruce
Mon Oct 19, 2020 11:15 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1085
Views: 49677

Re: Bird watchers – what birds are you seeing?

Northern Goshawk flying through the yard with the backdrop of the snow covered Chugach mountains getting the sunset Alpenglow this evening. Spectacular and beautiful bird! Not easily found or seen, just a lucky sighting.
by Bruce
Sat Oct 10, 2020 6:53 am
Forum: Personal Consumer Issues
Topic: How to get roadside assistance without AAA?
Replies: 116
Views: 11955

Re: How to get roadside assistance without AAA?

Interesting that when looking at the link for the Hyundai roadside service coverage, and reading the fine print, they actually use AAA as the provider of the service. Have had good luck with fast responsive service the few times over the years I needed to call for help from AAA with a stranded car, ...
by Bruce
Sat Sep 19, 2020 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 428
Views: 68415

Re: Improving the TSP [for current participants]

Here is the longer email TSP sent out on the topic Info was not yet posted on the TSP website this morning. September 2020 Important TSP updates and reminders Easier login and more security for My Account You may notice some changes to your My Account login this fall. As a stronger layer of security...
by Bruce
Sat Sep 19, 2020 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 428
Views: 68415

Re: Improving the TSP [for current participants]

Thanks for tracking this kind of stuff for us, I see another annoying TSP “upgrade” if I am reading the latest changes correctly, is they are eliminating email as a way of getting the 2 factor authentication code sent, which code is now required when ever logging on to even do such a mundane thing a...
by Bruce
Sat Sep 19, 2020 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Reason not to rent out your old house?
Replies: 58
Views: 4884

Re: Reason not to rent out your old house?

3 big considerations Liability, lack of diversification, a careful look at your own aptitude for dealing with tenants. It also means your tax return is more complex going forward, as this is a business you are now running, with demands for your time, energy and ongoing attention. You need to go into...
by Bruce
Sun Jun 21, 2020 12:55 pm
Forum: Personal Investments
Topic: Official Retirement in 6 months - Is My Portfolio Ready?
Replies: 8
Views: 2036

Re: Official Retirement in 6 months - Is My Portfolio Ready?

Agree with pay off your car loans first. No reason at all to hold that much cash in checking and Still have small Interest charging loans, pay them off! You may be able to increase your auto insurance deductible as well, once you own your cars in clear title and save some money on your auto insuranc...
by Bruce
Mon May 25, 2020 7:46 pm
Forum: Personal Consumer Issues
Topic: Tesla Y test drive
Replies: 37
Views: 3777

Re: Tesla Y test drive

If you are considering the RAV 4 as a quieter vehicle, suggest you will likely be disappointed, Own a RAV 4 hybrid with their top trim line and although a good vehicle, it is NOT especially quiet, Toyota seems to save the noise reduction technology and extra sound deadening materials for their Lexus...
by Bruce
Mon May 25, 2020 3:05 pm
Forum: US Chapters
Topic: MEMORIAL DAY
Replies: 36
Views: 4099

Re: MEMORIAL DAY

Thank You Taylor And thanks for sharing the poem your comrade wrote. In this unusual year all of the American Battle Monuments Commission Cemeteries and Memorials are closed because of the Pandemic. Hope one day to visit and pay my respects to the fallen at the Manila American Cemetery. https://www....
by Bruce
Fri Mar 13, 2020 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a university/college for my son a future Computer Science Major
Replies: 207
Views: 16726

Re: Choosing a university/college for my son a future Computer Science Major

Just wanted to add this list of schools to the mix, participating in the NSF funded “scholarships for service “cyber corps”. https://niccs.us-cert.gov/formal-education/cybercorps-scholarship-service-sfs The Scholarship for Service (SFS) Program is designed to recruit and train the next generation of...
by Bruce
Sun Feb 23, 2020 3:03 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway 2019 Shareholder Letter
Replies: 28
Views: 3051

Re: Berkshire Hathaway 2019 Shareholder Letter

You may want to check these other threads with opinions on actually attending the meeting. BRK Annual Shareholder Meeting- is it worth going? https://www.bogleheads.org/forum/viewtopic.php?t=210637 I was wondering if there is value in attending Berkshire's Annual meeting in person versus watching it...
by Bruce
Sun Feb 23, 2020 2:58 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway 2019 Shareholder Letter
Replies: 28
Views: 3051

Re: Berkshire Hathaway 2019 Shareholder Letter

One share ownership is enough to attend the annual meeting How To Get Your Annual Meeting Credentials • You must be a Berkshire Hathaway Shareholder • Shareholders are entitled to a maximum of 4 meeting credentials • The 2019 Annual Report will be mailed to shareholders of record and beneficial-but-...
by Bruce
Sat Feb 22, 2020 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Can 2019 Mac HR Block Software import 2018 HR Block PC taxes
Replies: 5
Views: 565

Re: Can 2019 Mac HR Block Software import 2018 HR Block PC taxes

It will definitely import a PDF file of previous years taxes, so worst case is print and save last years return as a PDF file and then move that file to your new version when your new MAC version asks for the location of the imported file for last years return. You can just email the PDF file from y...
by Bruce
Sat Feb 22, 2020 2:32 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway 2019 Shareholder Letter
Replies: 28
Views: 3051

Re: Berkshire Hathaway 2019 Shareholder Letter

Letter is shorter then usual, but the information about how Buffet has directed the large amount of his personal Berkshire holdings to stay in Berkshire stock and slowly revert to charity over a 12 to 15 year period was info I had not seen before. “Today, my will specifically directs its executors –...
by Bruce
Sat Feb 22, 2020 2:26 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway 2019 Shareholder Letter
Replies: 28
Views: 3051

Re: Berkshire Hathaway 2019 Shareholder Letter

“I didn’t realize that Kraft was trading below its GAAP book value.” It is not trading below “book value”in the usual use of the term book value for a stock. Rather, Berkshire is required to report the difference between their total purchase price of the Kraft Heinz shares they hold and year end mar...
by Bruce
Tue Feb 18, 2020 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Opinions on whether to renew my disability policy
Replies: 8
Views: 443

Re: Opinions on whether to renew my disability policy

One opinion, Wait till your kids are done with senior year of college. I know a surgeon who had his practice instantly ended by a minimally insured teenager driver making a mistake and causing a traffic accident, as he was commuting to his office for a day of surgery. Besides physical pain of the in...
by Bruce
Fri Feb 14, 2020 12:06 am
Forum: Investing - Theory, News & General
Topic: Berkshire Annual Meeting in person
Replies: 41
Views: 3620

Re: Berkshire Annual Meeting in person

Enjoyed it one time, went with a pilot friend and left at the break to tour the Net Jets fleet out at the airport. Amazing display of different corporate jets. Those who can afford Net Jets really do live differently then you and me. Once was enough for me, but glad I went. The trade show of Berkshi...
by Bruce
Sat Jan 25, 2020 5:08 pm
Forum: US Chapters
Topic: Happy Birthday Taylor! 96 years young!
Replies: 139
Views: 5063

Re: Happy Birthday Taylor! 96 years young!

Happy Birthday Taylor! I will be thinking of you when I re read my "signed by the author" copy of "The Bogelheads Guide to the Three-Fund Portfolio" this week! All the best to you and hoping for another great year! Thanks for constantly sharing your optimism and your wisdom with ...
by Bruce
Wed Jan 08, 2020 1:16 am
Forum: Personal Finance (Not Investing)
Topic: Death Book
Replies: 43
Views: 28427

Re: Death Book

Vanguard has a free downloadable 16 page PDF to fill in your personal records inventory that is fairly comprehensive at http://vanguard.com/pdf/PASPRI_052019.pdf Vanguard says "This document is intended to help you organize your family’s important financial information and documents. This docum...
by Bruce
Fri Jan 03, 2020 1:30 pm
Forum: Investing - Theory, News & General
Topic: TSP progress on 2-factor authentication announced
Replies: 4
Views: 984

Re: TSP progress on 2-factor authentication announced

TSP 2 factor authentication is up and running, and now mandatory since Late December 2019. Downside is you no longer get automated pull of that info to your Vanguard outside accounts, using the account aggregator tool at Vanguard, as 2 factor authentication defeats that automated pull. If anyone has...
by Bruce
Tue Nov 26, 2019 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Career Decision [Federal employee]
Replies: 18
Views: 2085

Re: Career Decision [Federal employee]

First and foremost, Turn the phone off when you want to sleep!!! One advantage of fed employment is the ability to take a “detail” assignment to another part of an agency or department. Are there any out there you can apply for? Are there any extended training assignments you can take advantage of? ...
by Bruce
Mon Nov 25, 2019 11:04 pm
Forum: Personal Investments
Topic: New to this board! Portfolio review?
Replies: 4
Views: 664

Re: New to this board! Portfolio review?

Welcome to posting on the forum, You should give serious thought to Dr Bill Bernstein’s comment “when you have won the game stop playing with the money you really need”. Do you really need to keep taking the amount of market risk you currently are exposed to? To your questions: 1 Mortgage free home ...
by Bruce
Sun Nov 10, 2019 7:19 am
Forum: Personal Consumer Issues
Topic: FirstNet by AT&T
Replies: 14
Views: 1413

Re: FirstNet by AT&T

I am a FN user. Joined because I get it through work. My Experience is the network performance varies greatly depending on location of the tower compared to the user. But that will be true for any cell user. There is no generic yes or no answer to your question. It is specific to your use case at a ...
by Bruce
Wed Oct 30, 2019 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 14554

Re: Apple Pay. Does anyone use it?

Goblin, Thanks for the lead, I just learned when entering cards in Apple Pay through the wallet which uses a “photoframe” of the card, it then stores them In the Wallet looking just like the credit card. So my airline card looks like the airline logo, Costco looks like Costco, etc. Did not do that w...
by Bruce
Wed Oct 30, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 14554

Re: Apple Pay. Does anyone use it?

You can enter several cards, but Apple seems to make it hard to tell them apart when all are Visa cards. Is there any way to nickname or label the different cards to help tell them apart in Apple Pay? Since Apple Pay only shows the same generic Visa card graphic for each of three Visa cards I entere...
by Bruce
Thu Jul 18, 2019 11:54 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Next "Bogleheads on Investing" podcast guest
Replies: 61
Views: 7855

Re: Larry Swedroe: Next "Bogleheads on Investing" podcast guest

Rick Thanks so much for doing these podcasts! They are gems! I would be curious to hear Larry’s thought on “recency bias” impacting investor expectations of future investing returns. Has it been long enough since the last market downturn, that investor perceptions of market risk are impacted? Is Lar...
by Bruce
Sun Feb 17, 2019 1:12 pm
Forum: Investing - Theory, News & General
Topic: "STAY THE COURSE" by John C. Bogle -- A Gem
Replies: 42
Views: 7284

Re: "Stay The Course" -- Jack Bogle's last book -- A Gem

Taylor Thanks for yet another in your outstanding series of “Gems”. This one is a bit more poignant since we now know this is the last book we have been gifted from John Bogle. Your continuing willingness to devote the time to select some of the very best ideas, quotes and thoughts from a book and s...
by Bruce
Wed Feb 13, 2019 10:02 pm
Forum: Personal Consumer Issues
Topic: Car rental drop-off fees
Replies: 18
Views: 1966

Re: Car rental drop-off fees

Those prices seem high unless you are hitting a holiday weekend or a major event.

Try Costco travel rental car comparison.

Picked some random 8 day periods in May and found numerous choices well under $400, all in PHX to SEA.

regards
by Bruce
Wed Feb 13, 2019 1:29 am
Forum: Personal Consumer Issues
Topic: Black Fly Protective Head Gear
Replies: 16
Views: 1431

Re: Black Fly Protective Head Gear

One other idea if your mode of travel allows for it. It can be enormously satisfying to have one of those plastic battery powered bug zapper type metal mesh rackets in camp, or stowed in your car, to hold back the flying hordes. Your wife may enjoy the chance to refuse to be a victim of those biting...
by Bruce
Tue Feb 12, 2019 8:00 pm
Forum: Personal Consumer Issues
Topic: Black Fly Protective Head Gear
Replies: 16
Views: 1431

Re: Black Fly Protective Head Gear

I saw "insect shield" impregnated labeled clothing on an Ex Officio brand hat and shirt in an REI store, and bought them on a whim before heading to the Yukon Delta National Wildlife Refuge on a 10 day float and fishing trip. That wet tundra river drainage and permafrost area of the countr...
by Bruce
Tue Feb 05, 2019 11:39 pm
Forum: Personal Investments
Topic: Coverdell Savings Account (ESA), withdraws for previous year, transfer part of account
Replies: 1
Views: 185

Re: Coverdell Savings Account (ESA), withdraws for previous year, transfer part of account

“The designated beneficiary of a Coverdell ESA can take a distribution at any time. Whether the distributions are tax free depends, in part, on whether the distributions are equal to or less than the amount of Adjusted qualified education expenses (defined later) the beneficiary has in the same tax ...
by Bruce
Sun Jan 27, 2019 8:39 pm
Forum: US Chapters
Topic: Happy Birthday Taylor! 96 years young!
Replies: 77
Views: 6814

Re: Happy Birthday, Taylor!

Happy Birthday Taylor,

Thanks for sharing your wisdom with the rest of us in writing the "Bogleheads Guide to the Three Fund Portfolio"!

I cherish my "signed by the author" copy!

Hope 2019 is the best year yet!

best regards,
by Bruce
Fri Jan 18, 2019 1:31 pm
Forum: Investing - Theory, News & General
Topic: December "Bogleheads on Investing" podcast with guest Christine Benz now available
Replies: 18
Views: 2896

Re: December "Bogleheads on Investing" podcast with guest Christine Benz now available

Rick
Just had a chance to listen to this podcast. Great job, really enjoyed the high quality of this intelligent conversation.

Look forward to more in 2019!

Regards
by Bruce
Fri Jan 18, 2019 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Furloughed Fed Employee - How to make best use of time
Replies: 60
Views: 6547

Re: Furloughed Fed Employee - How to make best use of time

Listen to all of these excellent podcasts hosted by Rick Ferri. (Thanks Rick) https://bogleheads.podbean.com Try a 30 day free trial to Audible, listen to some great books while cooking or doing those projects around the home you have not caught up on already. I am especially enjoying re”reading” th...
by Bruce
Thu Jan 17, 2019 11:47 am
Forum: Investing - Theory, News & General
Topic: The Worth Of A Man: A Tribute To John C. Bogle
Replies: 45
Views: 7129

Re: The Worth Of A Man: A Tribute To John C. Bogle

A worthy tribute.

Thanks for writing and sharing that Rick!

“Stay the course!”
by Bruce
Mon Dec 31, 2018 8:53 pm
Forum: Personal Investments
Topic: H&R Block 2018 Deluxe reduced price
Replies: 6
Views: 1082

Re: H&R Block 2018 Deluxe reduced price

Amazon dropped it under $15 on Dec 31st 2018!
by Bruce
Sun Dec 30, 2018 5:26 pm
Forum: Personal Investments
Topic: Military dentist -- portfolio review request (new to forum)
Replies: 11
Views: 2074

Re: Military dentist -- portfolio review request (new to forum)

White coat investor Dr Jim Dahle has his own website with much more info and advice for military docs ( and others); and this detailed post below on the benefits of the G Fund, for those who have earned access to the Thrift Savings Plan through federal employment or contributing while in military se...
by Bruce
Sat Dec 29, 2018 5:10 pm
Forum: Personal Investments
Topic: Military dentist -- portfolio review request (new to forum)
Replies: 11
Views: 2074

Re: Military dentist -- portfolio review request (new to forum)

A few thoughts to consider. You are doing great and on track for where you want to be. You have well thought out, diverse, low cost fund choices. 1. You may want to rethink your choice in not continuing to contribute to 529 accounts for your kids. Even great merit Scholarships may not cover room and...
by Bruce
Mon Dec 24, 2018 5:55 am
Forum: Personal Consumer Issues
Topic: Burned Popcorn Smell - how to eliminate? products recommended?
Replies: 15
Views: 1926

Re: Burned Popcorn Smell - how to eliminate? products recommended?

Try Febreze, both the spray and the auto air freshener product, it was a product specifically designed to remove odors before they added the scent to it for better marketing.
by Bruce
Tue Dec 18, 2018 12:43 am
Forum: Personal Consumer Issues
Topic: Birdwatching telescope recommendations
Replies: 17
Views: 1118

Re: Birdwatching telescope recommendations

What is also amazing is you can spend as much or more on a carbon fiber tripod as you do on the scope itself https://www.bhphotovideo.com/c/product/1441684-REG/gitzo_100_year_anniversary_edition_tripod.html Not saying you need to do that, but apparently some people do. Trade off of weight for dollar...
by Bruce
Mon Dec 17, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: Birdwatching telescope recommendations
Replies: 17
Views: 1118

Re: Birdwatching telescope recommendations

http://www.vortexoptics.com/category/spotting_scopes Vortex is the company Eagle Optics referred their lifetime warranty customers to for any service or issues, when they closed up shop after 30 years. Looking at the above website, the Vortex scope product looks like a reasonable choice in your pric...
by Bruce
Tue Aug 28, 2018 6:34 am
Forum: Investing - Theory, News & General
Topic: An idea for Bogleheads with kids: The Fidelity Zero-Fund Piggy Bank!
Replies: 20
Views: 2502

Re: An idea for Bogleheads with kids: The Fidelity Zero-Fund Piggy Bank!

Interesting idea! Thanks for sharing! How do you turn any of it back into cash when the kid wants to actually use or spend some small amount of their piggy bank money? Does Fidelity mail you a check for small amounts? Or perhaps can you start them up on their own Fidelity 2% cash back Visa card, wit...
by Bruce
Wed Jul 25, 2018 1:51 am
Forum: Investing - Theory, News & General
Topic: Historical returns for Total Bond Market, Inflation and S&P 500 Index
Replies: 12
Views: 3166

Re: Historical returns for Total Bond Market, Inflation and S&P 500 Index

Taylor Unless I am reading the chart incorrectly, It appears from the data chart the bond index actually had three negative years instead of two. Bond index returns are listed in the chart with a parenthesis for a negative result for 1994,1999, and 2013. Agree all the negatives are rather small. And...
by Bruce
Fri Jul 20, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: [A Splendid Exchange, by William Bernstein - on sale for Kindle]
Replies: 19
Views: 2490

Re: [A Splendid Exchange, by William Bernstein - on sale for Kindle]

Bill, I appreciate all you have done with sharing your knowledge in your books, just got this one, and look forward to reading this on my next plane trip! Thanks for sharing the "deal"! Also wanted to thank you for taking the time to write "If you can". I have now shared that inc...
by Bruce
Fri Jul 20, 2018 7:11 am
Forum: Personal Investments
Topic: $800,000 Windfall. Love the 3-Fund portfolio approach. Wealth Managers in contact
Replies: 33
Views: 4943

Re: $800,000 Windfall. Love the 3-Fund portfolio approach. Wealth Managers in contact

Instead of spending time or money on a "wealth manager", spend the time yourself to read Taylor Larimore's excellent 86 page book "The Bogleheads Guide to the Three Fund Portfolio". Subtitled "How a simple portfolio of three total market index funds outperforms most investor...