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Forum: Health and Early Retirement 09-21-2022, 06:09 AM
Replies: 4,302
Views: 671,865
Posted By Whisper66
Wow, that’s fabulous and great story for many of...

Wow, that’s fabulous and great story for many of us trying to control our own weight. Thx for sharing and Congratulations.
Forum: FIRE and Money 09-09-2022, 06:53 AM
Replies: 35
Views: 2,752
Posted By Whisper66
Confused on why you couldn't find a phone number...

Confused on why you couldn't find a phone number easily...took a brief look myself...

(1) On the web page...Go to "Vanguard.com" ... "Contact us" ... there's a phone number
(2) On any monthyly...
Forum: Hi, I am... 08-18-2022, 10:39 AM
Replies: 31
Views: 1,635
Posted By Whisper66
Welcome to the board. Hope you find it very...

Welcome to the board. Hope you find it very useful.

I feel Jack Broe does a nice comparison of the strengths and weaknesses of these three in his youtube video below. ...
Forum: Health and Early Retirement 07-07-2022, 10:12 PM
Replies: 4,302
Views: 671,865
Posted By Whisper66
198 goal 190

198

goal 190
Forum: FIRE and Money 04-01-2022, 06:58 AM
Replies: 611
Views: 49,027
Posted By Whisper66
up +3.7% YTD. Sold some energy holdings after...

up +3.7% YTD.
Sold some energy holdings after run up so asset allocation is down to 62% equity /48% fixed asset.
Forum: Technology, Media & e-Gadgets 03-22-2022, 08:31 AM
Replies: 6
Views: 496
Posted By Whisper66
When I went from PC to Mac in 2008, I thought I'd...

When I went from PC to Mac in 2008, I thought I'd need to add third party malware / virus protection programs since my PC had been so dependent on them. I found that not to be the case. Seemed like...
Forum: Other topics 03-20-2022, 11:27 AM
Replies: 97
Views: 3,971
Posted By Whisper66
I voted "never" because I don't expect the things...

I voted "never" because I don't expect the things that deter me from considering them will be addressed to my satisfaction within my driving lifetime. If I were still young, I would have voted...
Forum: FIRE and Money 03-07-2022, 09:11 AM
Replies: 611
Views: 49,027
Posted By Whisper66
I don't normally look except at the end of each...

I don't normally look except at the end of each quarter but seeing the results of others made me curious. As mentioned in earlier posts, I am heavy on energy equities and planned to cut my exposure...
Forum: FIRE and Money 12-31-2021, 08:37 PM
Replies: 524
Views: 46,669
Posted By Whisper66
The biggest movers for me in 2021 were the energy...

The biggest movers for me in 2021 were the energy holdings rebounding from 2020 poor returns ... VENAX, XOM.
Forum: FIRE and Money 12-31-2021, 05:22 PM
Replies: 524
Views: 46,669
Posted By Whisper66
+32%. Asset allocation = 75 % equities, 25%...

+32%. Asset allocation = 75 % equities, 25% fixed.

Note (as stated in last post I made) ... while the 2021 EOY return looks very good, the 2020 return was very poor (down 2% for the year). This is...
Forum: Health and Early Retirement 12-23-2021, 05:20 PM
Replies: 355
Views: 38,457
Posted By Whisper66
Your description in age and health is similar to...

Your description in age and health is similar to mine except I don't have high blood pressure. 3 months ago, doctor wanted to put me on statins to lower my cholesterol. I decided to try diet first...
Forum: Technology, Media & e-Gadgets 11-19-2021, 04:08 PM
Replies: 47
Views: 2,356
Posted By Whisper66
That's a problem with Macs. They know they will...

That's a problem with Macs. They know they will last so long that early retirement is out of the question (my last one ran 12 yrs before I just decided to get a new one). Makes them mad so they need...
Forum: FIRE and Money 10-07-2021, 11:48 AM
Replies: 524
Views: 46,669
Posted By Whisper66
+24.5% YTD. Return is being mainly driven by the...

+24.5% YTD. Return is being mainly driven by the 2021 rebound in the energy market. Asset allocation = 76 % equities, 24% fixed after selling off a portion of our energy related stock holdings last...
Forum: Hi, I am... 09-29-2021, 07:26 PM
Replies: 17
Views: 2,151
Posted By Whisper66
Glad to have you on board. Just curious …. have...

Glad to have you on board. Just curious …. have you tested with Firecalc or other tools to see if you are financially set to retire? With your savings, you might be. If yes, what drives you to keep...
Forum: Technology, Media & e-Gadgets 09-23-2021, 11:37 AM
Replies: 1
Views: 487
Posted By Whisper66
From a financial perspective, these are the three...

From a financial perspective, these are the three I tend to listen to:
The Retirement and IRA Show
The Ric Edelman Show
Dough Roller Money
Forum: Hi, I am... 08-30-2021, 07:39 PM
Replies: 26
Views: 4,623
Posted By Whisper66
Congrats sd_2019, enjoy your retirement!

Congrats sd_2019, enjoy your retirement!
Forum: FIRE and Money 08-20-2021, 02:25 PM
Replies: 120
Views: 9,860
Posted By Whisper66
They are required by law to track cost basis for...

They are required by law to track cost basis for mutual funds bought after 1/1/12 and stocks after 1/1/11.
You can direct them to keep track of the cost of each individual lot purchased or just...
Forum: FIRE and Money 08-19-2021, 12:06 PM
Replies: 11
Views: 776
Posted By Whisper66
I had company stock options that I received in my...

I had company stock options that I received in my taxable account. I wanted them in my Roth account. I didn't know a way to directly do that so I bought an equivalent # of company stock shares in my...
Forum: FIRE and Money 08-19-2021, 08:59 AM
Replies: 120
Views: 9,860
Posted By Whisper66
Good point. That is definably confusing. The...

Good point. That is definably confusing. The screenshot below is the criteria they use....

Ref: https://investor.vanguard.com/investing/benefits/flagship
Forum: FIRE and Money 08-19-2021, 08:54 AM
Replies: 120
Views: 9,860
Posted By Whisper66
Sounds like you got someone who either didn't...

Sounds like you got someone who either didn't know what he was doing or was purposely trying to push you into the 0.3% FA managed program. If either is true, not a good selling point for VG.

The...
Forum: FIRE and Money 08-19-2021, 08:43 AM
Replies: 120
Views: 9,860
Posted By Whisper66
We were assigned a rep back in 2016. Had the same...

We were assigned a rep back in 2016. Had the same rep ever since. Back then, an account with over $1M of vanguard funds was assigned a rep. That used to be clear from their info published on their...
Forum: FIRE and Money 08-19-2021, 07:22 AM
Replies: 120
Views: 9,860
Posted By Whisper66
On VBIAX - This is a 60% equities / 40% fixed...

On VBIAX - This is a 60% equities / 40% fixed assets balanced mutual fund with 0.07% fee. Nothing wrong with that choice but here's another idea.... FWIW, I like to keep my equity and fixed assets in...
Forum: FIRE and Money 08-19-2021, 07:10 AM
Replies: 120
Views: 9,860
Posted By Whisper66
On accessibility of a Vanguard rep. I do not use...

On accessibility of a Vanguard rep. I do not use their FA services but apparently have enough money with them that there is a specific rep assigned to my account. He doesn't provide investment advice...
Forum: FIRE and Money 08-19-2021, 06:45 AM
Replies: 120
Views: 9,860
Posted By Whisper66
FYI - See attached screenshot from the FAQ's of...

FYI - See attached screenshot from the FAQ's of Ref :https://investor.vanguard.com/advice/financial-advisor/ . VG will make an initial financial plan for you that you can consider before making an...
Forum: Hi, I am... 08-18-2021, 07:43 AM
Replies: 56
Views: 5,546
Posted By Whisper66
Couple things to think about I haven't seen...

Couple things to think about I haven't seen mentioned yet....

Medical / dental / vision insurance - If your insurance plan changes after you retire, consider if you need to do any checkups or...
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