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Re: Cooking Lessons

Check out the offerings at Central Market. I've not looked at what they're doing of late but, in the past, they've offered a remarkably wide array of cooking classes including, I believe, adventures in French and Italian cuisine. Check with Whole Foods to see if they have such offerings. Look to see...
by Austintatious
Sat Dec 20, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: Cooking Lessons
Replies: 10
Views: 748

Re: Any pilots here?

1. Don't even consider spending money on getting your private if you can't afford to also get your instrument rating. IMO, that's the ticket that will make you a real pilot, and will save your bacon when the weather goes south on you. I disagree with that. I did quite a bit of flying, but not when ...
by Austintatious
Wed Dec 17, 2014 7:20 pm
 
Forum: Personal Consumer Issues
Topic: Any pilots here?
Replies: 42
Views: 3067

Re: SS Delay Question

Because of the the COLA pension, I'd check if the Government Pension Offset or Windfall Elimination Provision applies. Does the pension come from a job that was not covered by SS? Which way to go is likely to depend on their respective PIAs (primary insurance amounts). What are they? These two piec...
by Austintatious
Wed Dec 17, 2014 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS Delay Question
Replies: 14
Views: 1595

Re: Gift to Yourself

deleted
by Austintatious
Fri Dec 12, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: Gift to Yourself
Replies: 34
Views: 3998

Re: Close to retirement with this much money need thoughts!

You've probably already been through this but I'm wondering if you meet the criteria for receiving benefits as a divorced spouse. If you haven't already looked at it, take a look at the Social Security web site re divorced spouse benefits and see if you might get some help here. Anyway you can affor...
by Austintatious
Wed Dec 03, 2014 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Close to retirement with this much money need thoughts!
Replies: 14
Views: 2762

Re: WiseBanyan

Have you tried this email support address?

support@wisebanyan.com
by Austintatious
Tue Dec 02, 2014 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: WiseBanyan
Replies: 9
Views: 799

Re: Personal Tips for a New Father to Be

Be a hands on dad. There will be countless times, day and night, when your child will require or demand attention, and the temptation can be great to ignore the call and leave it to your wife to respond. If you are wise, you will discipline yourself to get past that temptation and attend to things y...
by Austintatious
Sun Nov 30, 2014 8:14 am
 
Forum: Personal Consumer Issues
Topic: Personal Tips for a New Father to Be
Replies: 31
Views: 3645

Re: Prediction: Rise of Concentrated Funds

I'm wondering if the Motif experiment is an example, if only "sort of", of what you have in mind. https://www.motifinvesting.com/?utm_expid=46965885-18.eA0xDrDgTfuMe68rSRkCMQ.0&utm_referrer=https%3A%2F%2Fwww.google.com%2F I was intrigued by the concept, when I first read of it, though ...
by Austintatious
Fri Oct 24, 2014 10:56 am
 
Forum: Investing - Theory, News & General
Topic: Prediction: Rise of Concentrated Funds
Replies: 20
Views: 1796

Re: Planting garlic

We're still planting and eating garlic from the stock we purchased maybe 10 years ago from the Garlicmeister (see photo at bottom of linked site, which might be a good source of planting stock and gardening advice for you). We consume all the garlic we grow, less what we plant for next year. It's wa...
by Austintatious
Thu Oct 23, 2014 10:23 pm
 
Forum: Personal Consumer Issues
Topic: Planting garlic
Replies: 10
Views: 1228

Re: TBM too much treasury?

[...their willingness to exclude greater than 50% of the world's bond market by rejecting international bonds (hedged or not) even as they've come to embrace international stocks. In this 21st century, is an investor limiting her bond holdings to domestics, as a matter of choice, widely diversified...
by Austintatious
Tue Oct 21, 2014 12:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4655

Re: TBM too much treasury?

Vanguard can be criticized for using the word "Total" in their bond fund (just as they could have been criticized for years for using the word "Total International Stock Index Fund" for a fund that did not include Canada). Nevertheless, the Lehman, I mean Barclay's Aggregate Bon...
by Austintatious
Sun Oct 19, 2014 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4655

Re: Why are 401k plans expensive? [Help with plan, portfolio

You should obtain a copy of the Plan Summary, which will tell you a number of things that you need to know about your 401k. When you ask for a copy, also ask for a clear statement of all fees the employee incurs under the plan. If your employer can't provide it, talk to the plan administrator. It wo...
by Austintatious
Sat Oct 18, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why are 401k plans expensive? [Help with plan, portfolio]
Replies: 4
Views: 479

Re: What will you do when you retire?

...have done lots of home improvements but am running out of things to improve. I'll hire you to improve some things around my house. :D I will work until I'm 75 if my health permits and the company wants me - nearly 71 now. I have a different perspective on volunteer work as I grew up in a 1st/3rd...
by Austintatious
Sat Oct 18, 2014 8:45 am
 
Forum: Local Chapters and Bogleheads Community
Topic: What will you do when you retire?
Replies: 39
Views: 4178

Re: Crazy asset-based fees in my 401K!

I suspect that I'm preaching to the choir, here, but do your homework and be prepared to demonstrate how important costs are to having a really effective retirement savings plans. An extra 1% in fees can make a huge difference at the end of a 30 or 40 year savings career. Run some numbers on an onli...
by Austintatious
Fri Oct 17, 2014 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Crazy asset-based fees in my 401K!
Replies: 49
Views: 2609

Re: New Here- Retirement Portfolio Review

Move it to Vanguard. No fee if you're getting statements electronically, and you can have the money electronically transferred. (I would bet Fidelity can also do that, and they'd probably be fine too, but you're at Bogleheads and you're holding Vanguard funds, so why not go to Vanguard?) Got to agr...
by Austintatious
Fri Oct 17, 2014 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: New Here- Retirement Portfolio Review
Replies: 15
Views: 1098

Re: Crazy asset-based fees in my 401K!

Your instincts are right on the money. Those fees are high, but they're not unusual, especially for the retirement savings plans of smaller and even mid-sized employers. I've recently helped my two daughters work their way through their employers' 401(k) plans, and they have similar expense ratios, ...
by Austintatious
Fri Oct 17, 2014 8:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Crazy asset-based fees in my 401K!
Replies: 49
Views: 2609

Re: New Here- Retirement Portfolio Review

I notice that you have a ? beside your "desired asset allocation". This is something that you and your husband ought to work on and decide together, early in the process. Once you make that decision, which will largely be based on your tolerance for risk, you can determine your stock and f...
by Austintatious
Thu Oct 16, 2014 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Here- Retirement Portfolio Review
Replies: 15
Views: 1098

Re: New Here- Retirement Portfolio Review

Thank you both (for the advice, the explanation, and the promise of a better tomorrow...). Sorry. I couldn't help it. I just worked with my daughter who's dealing with a real stinker of a 401(k). Downright depressing. Then I see yours with those Spartan funds, and my heart just soared. Kidding asid...
by Austintatious
Thu Oct 16, 2014 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Here- Retirement Portfolio Review
Replies: 15
Views: 1098

Re: New Here- Retirement Portfolio Review

Because they are the lowest expense ratios right? ieee488 has it right, IMO. Yes, it's the low expense ratios, but wait, there's more. They also afford you excellent diversification with a simple 3 fund portfolio, so you get very broad diversification at very low costs. Oh, life's gonna be so much ...
by Austintatious
Thu Oct 16, 2014 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Here- Retirement Portfolio Review
Replies: 15
Views: 1098

Re: Airline carry on limits

The airlines don't stop anyone from bringing any size baggage on. It's ridiculous and causes significant delays in boarding and offloading. So, my point is, you won't have any issue bringing it on. I tend to agree. I have flown a couple times in the last three months. I sometimes wonder if the whol...
by Austintatious
Thu Oct 16, 2014 10:34 am
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3390

Re: -11.33% YTD, asking for some guidance

forty two, you need to obtain a copy of the Plan Summary for your 401(k), as part of your "due diligence" in understanding the terms of the plan. It'll tell you a number of important things that you need to know to make good decisions about the plan and your investing, such as how the vest...
by Austintatious
Wed Oct 15, 2014 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: -11.33% YTD, asking for some guidance
Replies: 57
Views: 3466

Re: Headed for a 300+ point loss today?

The problem is not that the market has lost a few percentage points in the past couple weeks. The problem is that the market is dropping fast, which may trigger short selling and a strong downward momentum. Even people with a conservative allocation can't watch it easily--just as people get mesmeri...
by Austintatious
Wed Oct 15, 2014 11:10 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 36406

Re: Airline carry on limits

I usually avoid the issue by taking just a soft backback from Land's End and a purse which could be emptied and stuffed into the backpack along with contents if needed. If there is room in the overhead compartment I put the backpack up there, otherwise it stuffs under the seat in front of me. On th...
by Austintatious
Tue Oct 14, 2014 1:03 pm
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3390

Re: Bill Sharpe on the 4% SWR rule (he thinks it's silly)

People like to spin the 4% rule by commenting that it's not a "rule" -- it's a suggestion. But it is almost universally called the "4% Rule". To set the record straight, Bengen very clearly outlines a process ... This was never intended to be a "rule" and Bengen in oth...
by Austintatious
Tue Oct 14, 2014 9:52 am
 
Forum: Investing - Theory, News & General
Topic: Bill Sharpe on the 4% SWR rule (he thinks it's silly)
Replies: 51
Views: 4733

Re: Airline carry on limits

DW and I just recently traveled to Pacific NW from Texas, and back, on American 737-800s. There was no measuring of carry-on bag dimensions on either trip and our carry-ons fit in the overhead bins with room to spare. DW's bag is similar to yours, in that the wheels exceed the dimensions a bit. I ex...
by Austintatious
Tue Oct 14, 2014 9:47 am
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3390

Re: U.S. stocks in freefall

Trader Joe wrote:Expect the stock market drop to continue.



because?
by Austintatious
Mon Oct 13, 2014 9:24 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1064
Views: 188531

Re: How is Consumer Cellular

DW and I have used CC for 3 years or so and we've found that the basic package works very well for us, at about 40% of the costs of similar service from AT&T. I'd expect these phones to work in any area where AT&T is functional. We have the basic Motorala unit and the fee is $20 per phone pe...
by Austintatious
Mon Oct 13, 2014 9:14 pm
 
Forum: Personal Consumer Issues
Topic: How is Consumer Cellular
Replies: 39
Views: 7435

Re: Regular Transfering to own IRA

I think plans typically require that one be age 59.5 years before an in-service transfer may be effected. I don't know if that's a legal requirement or if it's optional. The law only covers employee deferrals or Roth contributions not employee after tax or employer contributions. thanks, placeholder
by Austintatious
Mon Oct 13, 2014 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Regular Transfering to own IRA
Replies: 10
Views: 811

Re: Bill Sharpe on the 4% SWR rule (he thinks it's silly)

text deleted because it was presented out of context and wasn't worthy of your consideration
by Austintatious
Mon Oct 13, 2014 5:44 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Sharpe on the 4% SWR rule (he thinks it's silly)
Replies: 51
Views: 4733

Re: Regular Transfering to own IRA

Your plan administrator will have a Plan Summary. It's supposed to do just what the name implies - summarize the terms of the plan for the plan beneficiaries. You really do need to obtain a copy, since it will include other important details like how and when the employer match vests. It should tell...
by Austintatious
Mon Oct 13, 2014 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Regular Transfering to own IRA
Replies: 10
Views: 811

Re: How much of your Emergency Fund would you lock up in CDs

Kevin, looks like you're preparing for another PenFed holiday special. I hope you'll sound the alarm, should they come through.
by Austintatious
Sun Oct 12, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much of your Emergency Fund would you lock up in CDs?
Replies: 37
Views: 2955

Re: Vanguard Target Retirement Funds for Roth IRA

JU88, fyi, mid and small cap stocks are represented in Vanguard's Total Stock Market fund, proportionate to their share of market cap. See Morningstar's breakdown of the numbers for the details. I'm assuming that you can find the breakdown there for Total International, as well. Some advocate for ha...
by Austintatious
Sun Oct 12, 2014 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Funds for Roth IRA
Replies: 3
Views: 527

Re: Losing money, please advise

varshakgan, it's clear that ups and downs of this nature are a relatively common occurrence and that, as a long term investor, you must be prepared to live with them. This forum is an excellent resource to help you deal with the questions that naturally present themselves when the market turns negat...
by Austintatious
Sun Oct 12, 2014 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Losing money, please advise
Replies: 36
Views: 5209

Re: Problem with 401K rollover

This is very frustrating to me. I hated working for that company and glad I left because they [took advantage of me --admin LadyGeek] in other ways. now even after im long gone they are still [messing with me --admin LadyGeek] Michael, we don't know the details but, assuming the "problem"...
by Austintatious
Sun Oct 12, 2014 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Problem with 401K rollover
Replies: 20
Views: 992

Re: Why choose a LifeStrategy Fund?

Can somebody please explain to me why anyone would purchase a LifeStrategy Fund. The reason I don't understand why someone one is because it keeps a constant asset allocation. I mean the vast majority of investors are going to want to become more conservative as they get older. Well the minimum is ...
by Austintatious
Sun Oct 12, 2014 9:35 am
 
Forum: Investing - Theory, News & General
Topic: Why choose a LifeStrategy Fund?
Replies: 41
Views: 3883

Re: Problem with 401K rollover

The circumstances, here, are a very good example of how important it is to know all the details of one's workplace retirement plan. Having recently helped my older daughter try to effect a 401(k) rollover, I've learned just how varied the possible classes of employer contributions can be, and how th...
by Austintatious
Sun Oct 12, 2014 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Problem with 401K rollover
Replies: 20
Views: 992

Re: How much of your Emergency Fund would you lock up in CDs

Does anyone know of instances where a bank or CU has acted on that "fine print" warning that they might not allow early redemption of a CD?... They have been very rare. They have occurred. I think banks are understandably are concerned about customers' reaction to the idea that they can't...
by Austintatious
Sat Oct 11, 2014 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much of your Emergency Fund would you lock up in CDs?
Replies: 37
Views: 2955

Re: How much of your Emergency Fund would you lock up in CDs

Does anyone know of instances where a bank or CU has acted on that "fine print" warning that they might not allow early redemption of a CD? Do we have an idea of just how likely it is to occur? For example, do we know if it occurred during our most recent financial crisis and, if so, do we...
by Austintatious
Sat Oct 11, 2014 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much of your Emergency Fund would you lock up in CDs?
Replies: 37
Views: 2955

Re: Cast Iron Skillet Cooking

This is so exciting had to share news. For first time was able to make great cast iron skillet cornbread. Used motodoc42 recipe. Was going to use Abe's but no bacon grease. But they are very similar. And such simple recipes (power of simplicity?). Off and on over years had tried much more complicat...
by Austintatious
Sat Oct 11, 2014 12:50 pm
 
Forum: Personal Consumer Issues
Topic: Cast Iron Skillet Cooking
Replies: 108
Views: 11220

Re: Nursing School: Student loans or retirement

Oh goodness, I couldn't help replying to the post that suggested the OP consider whether staying in the military was worth it. She has 8 years to go if she doesn't do anything and remains enlisted after which time she will be getting a nice cost of living adjusted pension and retired veteran benefi...
by Austintatious
Tue Oct 07, 2014 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nursing School: Student loans or retirement
Replies: 28
Views: 2830

Re: Nursing School: Student loans or retirement

My situation is I have 8 years to go til retirement as an enlisted. If I retire and assuming I make another rank I would retire with a pension of about 2150. Assuming I finish this nursing program in 2 years it is highly probable I could commission. I would then have to do another 10 years and reti...
by Austintatious
Tue Oct 07, 2014 8:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Nursing School: Student loans or retirement
Replies: 28
Views: 2830

Re: Nursing School: Student loans or retirement

You haven't provided detail re the anticipated salary, retirement and benefits as an officer, compared to those for you as an enlistee, but I've got to assume that the increases in compensation and benefits would be sufficient to justify your efforts and expenses in getting that nursing degree. With...
by Austintatious
Mon Oct 06, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nursing School: Student loans or retirement
Replies: 28
Views: 2830

Re: Thank you Alex Frakt and Larry Auton!!

Yes, thank you, gentlemen, for a wonderful service, valuable in so many ways.
by Austintatious
Sat Sep 27, 2014 12:08 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Thank you Alex Frakt and Larry Auton!!
Replies: 11
Views: 1307

Jack Bogle's still "on the job"

Well, he's at it again, thank goodness. Mr. Bogle has been telling Congress how they can improve the chances of average Americans actually having a decent retirement. You need to see this MarketWatch article, which I don't think has been discussed so far. http://blogs.marketwatch.com/encore/2014/09/...
by Austintatious
Wed Sep 24, 2014 11:00 am
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle's still "on the job"
Replies: 2
Views: 663

Re: The Annuity Puzzlement

rapporteur, That's a great first post, eh. Interesting stuff. At some point annuities DOMINATE any and all other investment choices My paraphrase: At some point everyone should have a pension. I might note that Jim Otar is also Canadian. And, an engineer to boot. L. Thank goodness that FDR felt the...
by Austintatious
Tue Sep 23, 2014 6:54 am
 
Forum: Investing - Theory, News & General
Topic: The Annuity Puzzlement
Replies: 95
Views: 7260

Re: What Book Are You Currently Reading? Part VI

Just finished Night Soldiers by Alan Furst. Very good spy novel about a young Bulgarian recruited by the Russian NKVD to gather intelligence in Spain during the civil war. Inevitably, the Russians turn on him and he spends the next ten years hiding out from them while aiding the French resistance (...
by Austintatious
Mon Sep 22, 2014 7:59 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 254
Views: 30805

Re: Planning a self pension/annuity. Mid 30s.

I really like the idea of this kind of savings bond annuity. You may have already seen this post by Mel Lindauer discussing that EE bond v. I bond thing addressed just above. Be sure to read Mel's OP in that thread, and see his linked article. http://www.bogleheads.org/forum/viewtopic.php?f=10&t...
by Austintatious
Mon Sep 22, 2014 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Planning a self pension/annuity. Mid 30s.
Replies: 13
Views: 1175

Re: Total bond index or 5 yr CD?

Why would you not get the CD? Because there is a chance that the bond fund will have a better outcome, i.e. more money, after 5 years than the CD. But it could also have a worse outcome. That's the risk. True. I don't think there will be much difference whether a person buys all Total bond, all 5yr...
by Austintatious
Sun Sep 21, 2014 8:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Total bond index or 5 yr CD?
Replies: 36
Views: 2923
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