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Re: Another pension lump sum scenario

I agree, keep the pension. That is a very good monthly payout relative to the lump sum, granted there is no survivor ship. A lot of pension lump sum threads these days. I'm in a similar boat. Just offered a lump of 27500 versus $545 monthly. 43, married with kids. Leaning towards keeping the pension.
by Bounca
Fri Sep 26, 2014 7:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Another pension lump sum scenario
Replies: 20
Views: 1599

Re: Share your Hot-Rod Portfolio

The proverbial bactesting computer just crashed.
by Bounca
Mon Sep 15, 2014 7:28 am
 
Forum: Investing - Theory, News & General
Topic: Share your Hot-Rod Portfolio
Replies: 55
Views: 4328

Re: UTMA to 529 conversion

I hope someone else chimes in becuase I am in a similar boat.

I think, you have to do a direct UTMA to 529 transfer and taxation would be avoided. But I also think you have to set it up as a separate 529 account, in other words you cant directly roll it into your existing 529.
by Bounca
Tue Sep 09, 2014 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: UTMA to 529 conversion
Replies: 2
Views: 164

Re: Your biggest "Missed Money" event that still kills you?

Not buying gold coins in 1996-1998 like my buddy/co-worker was doing.

I thought he was an idiot.
by Bounca
Thu Aug 21, 2014 7:20 am
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 8357

Re: Pension – Lump Sum Rollover or Keep it?

Monthly payouts at 65 but could take lump sum at 55 and there is %50 survivorship. I would take the monthly pension. 27,518 / 549 / 12 It will only take 4 years to accumulate the lump sum that you are being offered. That was the quick and dirty calc I did up front, but I don't think that is represen...
by Bounca
Tue Aug 19, 2014 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Pension – Lump Sum Rollover or Keep it?
Replies: 12
Views: 960

Pension – Lump Sum Rollover or Keep it?

Hi all. I’m about to turn 43, my wife is 41. We just received a lump sum option from our pensions for working at the same company and I’m not sure what to do. On a scale from one to ten we are about a 7 health wise. We have two kids and are in ‘good shape, generally speaking from our 401ks/IRAs. Her...
by Bounca
Tue Aug 19, 2014 9:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Pension – Lump Sum Rollover or Keep it?
Replies: 12
Views: 960

Re: Who or what inspired you and your investing approach?

The various slice and dicers and data backtesters on this forum through the years. Namely, Trev H.
by Bounca
Mon Aug 11, 2014 7:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4638

Re: High School Reunions--Have you attended?

At the time, I hated virtually everyone in high school. Including myself.

Why on earth would I ever revisit that.
by Bounca
Tue Aug 05, 2014 2:29 pm
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5379

Re: average American eats out 203 times per year

I'm not pointing out anyone in particular here, but it is funny how certain people will defend to their death how important a difference in a .03 an ER is and yet plink down anyware from $6 to $12 a day every work day for lunch.
by Bounca
Tue Aug 05, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6778

Re: declining job due to travel

Investingdad Maybe you mentioned this and I missed it, but what does your wife think? You’re situation is very similar to mine. My wife travels abroad including China about the same frequency as you would with nightly conf calls. I know for some of you that travel often, or perhaps don't elevate tim...
by Bounca
Fri May 23, 2014 12:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: declining job due to travel
Replies: 92
Views: 12202

Re: Your 529 Plan - Thoughts and Strategies

Good thread :sharebeer 1. How old are your children who you're saving for? 9 and 12. Both 2. Which 529 Plan do you invest in? NY first then switched to Illinois direct, index age based. 3. What's the current balance? 12K each 4. How much do you contribute and how often? How did you come to this numb...
by Bounca
Thu May 22, 2014 8:27 am
 
Forum: Investing - Theory, News & General
Topic: Your 529 Plan - Thoughts and Strategies
Replies: 39
Views: 2924

Re: wood deck stain?

+1 for Behr. I was about to mention it.

I could go 3-4 years between staining with the Behr premium. Good stuff.
by Bounca
Wed Apr 23, 2014 1:36 pm
 
Forum: Personal Consumer Issues
Topic: wood deck stain?
Replies: 26
Views: 3712

Re: Laid off today... TODO list?

I don’t think this was mentioned. Get written proof as to why you are being let go. If it was a ‘reduction in force’ and broad scale and not specific to your performance, that’s what you want. An official memo from HR, you are entitled to that. Or a past email, print that out. This will come in nice...
by Bounca
Tue Apr 15, 2014 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 12432

Re: (Lack of) Emergency Fund - Are We Crazy?

Personally, I have 2 1/2 years of emergency funds.


Someones ready for a zombie apocolypse. :shock: :confused
by Bounca
Tue Apr 01, 2014 7:15 am
 
Forum: Personal Finance (Not Investing)
Topic: (Lack of) Emergency Fund - Are We Crazy?
Replies: 44
Views: 3664

Re: POLL: Do you have a financial advisor?

I feel bad for the guy reading this who has the 4 - figure portfolio.
by Bounca
Fri Mar 21, 2014 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you have a financial advisor?
Replies: 37
Views: 2183

Re: What video games are you currently playing?

Combat on my Atari.
by Bounca
Fri Mar 14, 2014 7:17 am
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4963

Re: madsinger monthly report (January 2014)

Hi:
We have created a new page in the wiki, devoted to consolidating madsinger's monthly reports for easier access. Here is the current early status of the page: Madsinger monthly reports - Bogleheads.


Very awesome thank you and thank you Brad.
by Bounca
Thu Feb 06, 2014 8:05 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2014)
Replies: 32
Views: 4021

Re: Who is lump-summing a fund on January 2, 2014?

Lump summing some play money into a Roth ira. Hot Hands approach, buying Fidelity Select Biotech FBIOX. Puny 1 % of my portfolio.
by Bounca
Tue Dec 31, 2013 9:03 am
 
Forum: Investing - Theory, News & General
Topic: Who is lump-summing a fund on January 2, 2014?
Replies: 49
Views: 4497

Re: Streaming to televison

Santa got me a Chromcast for Christmas and I love it. $35 flippin bucks! They could have sold this thing in the $50 to $100 range, they have to be kicking themselves. ...Chromecast is useless because it cannot stream local content I may not follow completely what you're trying to do, but you can ind...
by Bounca
Tue Dec 31, 2013 8:54 am
 
Forum: Personal Consumer Issues
Topic: Streaming to televison
Replies: 33
Views: 3384

Re: Poor PenFed Reviews

I tried to do it on line and saw a $50 per day max transfer amount Me too. Ridiculous. I want to give Penfed my money for a CD. I just joined a few days ago, I'll be cancelling my account as to how silly this 50$ ACH probationary period rule is. I'm not going to call and not filling out a CD piece ...
by Bounca
Tue Dec 17, 2013 8:28 am
 
Forum: Investing - Theory, News & General
Topic: Poor PenFed Reviews
Replies: 78
Views: 8169

Re: Tactical Flashlight for long walks at night vs. pepper s

If you're willing to carry the weight, you're looking for the good old Maglite. Put it on your shoulder - shine into eyes - bash the head. If needed, bash again, they'll be disoriented for a while. I have a 6 D-Cell Maglight. Yes, resting it on your shoulders walking around is intimidating looking ...
by Bounca
Wed Dec 04, 2013 3:44 pm
 
Forum: Personal Consumer Issues
Topic: Tactical Flashlight for long walks at night vs. pepper spray
Replies: 85
Views: 5256

Re: Asheville NC as a final destination

One of the nicest, cultured areas of the Appalachians. But you'll be bored within a week.

Stayed once at the Grove Park Inn. Amazing place. There’s a section of the hotel with specialized rooms where many famous people have stayed. I slept in the same room that Reggie Jackson once stayed.
by Bounca
Thu Nov 07, 2013 8:30 am
 
Forum: Personal Consumer Issues
Topic: Asheville NC as a final destination
Replies: 65
Views: 4953

Re: 529 - starting from scratch

According to WSJ online the list of states that allow state tax deduction for plans from another state is Arizona, Kansas, Maine, Pennsylvania and Missouri. Also there are the 16 states with no state tax deduction (sometimes due to lack of state income tax). So residents of those 21 states can go s...
by Bounca
Wed Sep 11, 2013 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 - starting from scratch
Replies: 29
Views: 1940

Re: Why no Vanguard 2% cash back Visa card?

Vanguard vs Fidelity in my mind is like Wal-Mart vs Target. Target has nicer amenities, and has weekly specials. However, the customer still pays for these features in the end: everything at Target is Slightly more expensive. I love it! :D Of all the discussions/comparisons/debates of Vanguard vs. ...
by Bounca
Fri Aug 30, 2013 7:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Why no Vanguard 2% cash back Visa card?
Replies: 36
Views: 5178

Re: Fee only financial advisor

You can't compare a perfectly disciplined unemotional managed account to what an investor uncomfortable with buying their own investments well do based on costs. No way. You have to compare the cost of mistakes, inattention, and emotion to the tangible one percent delta (not 1.6). Not saying they s...
by Bounca
Sat Aug 24, 2013 8:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Fee only financial advisor
Replies: 25
Views: 1877

Re: Help me understand expense ratios

Pfft! 0.5% gain over that period with all the risks/cost associated with an active fund management. Stupid luck.

I'd pass.
by Bounca
Tue Aug 20, 2013 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me understand expense ratios
Replies: 8
Views: 638

$2700 for Advisor??

$2700 for a one-time fee only adviser. Woah! Help, this is my first 'reach out' to a financial adviser. I'm trying to stick with fee only advisers. (background): I recently called a local advisor firm to get a quote for a comprehensive assessment of my household financial situation. Comprehensive be...
by Bounca
Fri Aug 09, 2013 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: $2700 for Advisor??
Replies: 43
Views: 3217

Re: Thoughts on Company Stock as % of Portfolio

I would limit it to %5 of portfolio, if that, just for 'play money. I personally do not have any company stock, I did at one point however and sold it simply because you don't know if the CEO turns out to be decade long pedophile and the stock tanks and never recovers. Fortune 500 doesn't buy you an...
by Bounca
Wed Jul 24, 2013 8:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Company Stock as % of Portfolio
Replies: 12
Views: 547

Re: What was your worst investment?

arthurdawg wrote:Prime Money Market... dang thing has earned me 10 cents in the past few years!!

:D :D :D :D :oops:


That made me laugh. Times may be a changin :greedy
by Bounca
Sat Jun 29, 2013 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: What was your worst investment?
Replies: 100
Views: 7821

Re: What do you wish you had learned sooner?

Why did I buy that brand new Dodge Dakota sport pickup at $18000 in 1994 and instead purchased a much lesser, used vehicle and invested the rest. I was 23 at the time. I'm 41 now.

Invest and be frugal early in life.
by Bounca
Sat Jun 29, 2013 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: What do you wish you had learned sooner?
Replies: 104
Views: 12919

Re: madsinger monthly report (April 2013)

Brad, another big thank you from myself. It has been awhile since I showed my appreciation. You realize that you have been at this since at least October of 2007. Looking at my excel records, that is the date I literally started cutting/pasting your data in a file along with my retirement folios. Th...
by Bounca
Fri May 03, 2013 11:18 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (April 2013)
Replies: 17
Views: 1814

Re: Septic system woes

My guess is that the family uses 400-500 gallons of water daily. :shock: WHAT? Dude, at that usage your well pump is going to fail along with your failed drain field. Not trying to be harsh, swampy, but really...that's a lot of H20. I had a septic system for 12 years. If water is liquid is draining...
by Bounca
Fri Apr 26, 2013 7:42 am
 
Forum: Personal Consumer Issues
Topic: Septic system woes
Replies: 104
Views: 6862

Re: Bad idea to put in contingencies when buying a house?

What else do you like about the house? Like location, school district quality, closer commute to work, etc. Factor in those variables to why you want the house. The psyche of the average 'fixer-upper' type would lean towards getting the house done to their liking with full intention on selling at a ...
by Bounca
Thu Apr 25, 2013 7:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Bad idea to put in contingencies when buying a house?
Replies: 21
Views: 1866

Re: can i buy my sportscar?

You have two kids and want a Porsche. One of your kids name isn’t Joel is it? I would be concerned, if so.
by Bounca
Fri Mar 29, 2013 2:31 pm
 
Forum: Personal Consumer Issues
Topic: can i buy my sportscar?
Replies: 129
Views: 8833

Re: Pharma career change - anyone have experience

My B.S. is in environmental biology and started as a lab rat at a couple small environmental testing labs. Fast forward 20 years and I’m currently a validation specialist in the regulatory/technical field working for a large contract lab that does pharma testing. Previously, I worked ten years as a ...
by Bounca
Tue Feb 19, 2013 8:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Pharma career change - anyone have experience
Replies: 17
Views: 1753

Re: Your most intense movie scene

Wow, so many come to mind. 'Intense' = equals guns and shootouts in my mind so I'd have to go with: The city street shoot out scene in Heat with Deniro, Paccino, Val Kilmer. That shoot out scene was so brilliant it made the movie's ending completely anticlimatic http://www.google.com/url?q=http://ww...
by Bounca
Wed Jan 16, 2013 8:02 am
 
Forum: Personal Consumer Issues
Topic: Your most intense movie scene
Replies: 155
Views: 9609

Re: How much do I really have for retirement?

The question is whether to count it within the assets available to spend down in retirement. I agree with Lawman. Here is a real life situation with my parents. 77 yrs old, just moved into a retirement/assited living apartment. They retired around 65 and are selling their home which is payed off fo...
by Bounca
Fri Dec 14, 2012 8:14 am
 
Forum: Investing - Theory, News & General
Topic: How much do I really have for retirement?
Replies: 65
Views: 5284

Re: What Advice Would You Give Your 30yo Self?

Don't take your wife and marriage for granted.
by Bounca
Thu Nov 15, 2012 8:20 am
 
Forum: Personal Consumer Issues
Topic: What Advice Would You Give Your 30yo Self?
Replies: 70
Views: 6717

Re: Toto Drake Toliets

I hear the drums echoing tonight
But she hears only whispers of some quiet conversation
She's coming in, 12:30 flight
The moonlit wings reflect the stars that guide me towards salvation

la, la, la.....why do I have this song in my head.
by Bounca
Thu Nov 08, 2012 8:09 am
 
Forum: Personal Consumer Issues
Topic: Toto Drake Toliets
Replies: 24
Views: 1732

Re: What's Your Favorite Hot Sauce?

Another vote for Melindas.

Image
by Bounca
Wed Oct 24, 2012 7:16 am
 
Forum: Personal Consumer Issues
Topic: What's Your Favorite Hot Sauce?
Replies: 84
Views: 3681

Re: Car front bench seats go away

Do any of you remember the old station wagons with the seats in the back that were rear facing? We use to watch the cars come flying up behind us, terrifying really. My dad loved that car. I think it was a Chevy Caprice wagon. Lol I do, I used to sit in one as a teenager in my dads Ford LTD wagon. ...
by Bounca
Thu Oct 11, 2012 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Car front bench seats go away
Replies: 24
Views: 2258

Re: Cash appropriate for wedding gift?

$100 if you think they will get divorced.
$50 if not.
by Bounca
Wed Sep 19, 2012 3:08 pm
 
Forum: Personal Consumer Issues
Topic: Cash appropriate for wedding gift?
Replies: 45
Views: 4834

Re: One hit wonder (Albums)

Wait a minute! I think the mullets are blocking everyone's ears, because Def Leppard Pyromania was their 'one hit wonder' IMO. Photograph, Foolin, album was great.
by Bounca
Wed Sep 19, 2012 3:04 pm
 
Forum: Personal Consumer Issues
Topic: One hit wonder (Albums)
Replies: 68
Views: 2619

Re: One hit wonder (Albums)

I can knock this one out in one shot.

75% of every album in the 80's was a one hit blunder..er, excuse me, wonder.
by Bounca
Wed Sep 19, 2012 2:51 pm
 
Forum: Personal Consumer Issues
Topic: One hit wonder (Albums)
Replies: 68
Views: 2619

Re: Most underrated band of all time [that you listen to]?

Xanadu wrote:Primus


I love Primus, fully agree and Posted by the name 'Xanadu'...a phenomenal Rush song. Les Claypool has done covers of Rush songs including YYZ. :sharebeer
by Bounca
Thu Sep 13, 2012 8:14 am
 
Forum: Personal Consumer Issues
Topic: Most underrated band of all time [that you listen to]?
Replies: 342
Views: 13763

Re: ohio speeding ticket for NJ driver

Your points, however many, will transfer over to your state. Almost all states do this. Your bud shouldn’t feel that bad. I was driving through VA from PA on route 81 in a rental car and got tagged doing 91 in a 70 zone. Instant summons for reckless driving by speed. I could lose my license for 6 m...
by Bounca
Wed Aug 22, 2012 3:32 pm
 
Forum: Personal Consumer Issues
Topic: ohio speeding ticket for NJ driver
Replies: 28
Views: 4125

Re: ohio speeding ticket for NJ driver

Your points, however many, will transfer over to your state. Almost all states do this. Your bud shouldn’t feel that bad. I was driving through VA from PA on route 81 in a rental car and got tagged doing 91 in a 70 zone. Instant summons for reckless driving by speed. I could lose my license for 6 mo...
by Bounca
Wed Aug 22, 2012 12:23 pm
 
Forum: Personal Consumer Issues
Topic: ohio speeding ticket for NJ driver
Replies: 28
Views: 4125

Re: What was Your Starting Salary Out of College?

Wow, you people were/are loaded. $20,000 a year in 1994 out of college working at a land fill testing ground water and leachate for state regulations. Sounds fancy, but just a lab rat, really. Environmental Biology, BS. Like other first jobs for people it got my foot in the door and with luck throug...
by Bounca
Fri Aug 10, 2012 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: What was Your Starting Salary Out of College?
Replies: 151
Views: 8805

Re: madsinger monthly report (July 2012)

Thanks, as usual :beer
by Bounca
Thu Aug 02, 2012 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (July 2012)
Replies: 5
Views: 892

Re: Is Treasury Direct so bad that I should no longer….

There's definitely a treasury bond vocabulary that you have to learn, and the site doesn't exactly help since it uses the jargon and acronyms as if everyone using the site was a Bureau of Public Debt techno-bureaucrat. It's not the most intuitive website you'll use, but everything I've wanted to kn...
by Bounca
Mon Jul 30, 2012 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Treasury Direct so bad that I should no longer….
Replies: 39
Views: 5735
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