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Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy B day Taylor, you are one of my favorite posters! FYI, I'm 64 and play tennis with guys 85-90 so I know how tough you guys can be. Many, many more :happy
by EternalOptimist
Wed Jan 22, 2014 5:23 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 22118

Re: POLL: Bogleheads' Gender/Education

Oh come on, at least split out the PhDs :) Yeah, that master's degree or more selection makes no sense at all! How is this going to become a full-blown bragging thread if those degrees are all lumped together? (And besides, there's nothing in between college grad and master's -- so where are the JD...
by EternalOptimist
Wed Jan 22, 2014 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Bogleheads' Gender/Education
Replies: 12
Views: 1170

Re: POLL: Bogleheads' Gender/Education

What is your gender and the highest level of education you have attained? EO - Can you tell us what you think this means? I suggest an option for # of children (0, 1, 2, 2+) for which male/female was the primary parent. Curious as to the makeup of this forum. Regarding you suggestion, the poll tool...
by EternalOptimist
Wed Jan 22, 2014 5:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Bogleheads' Gender/Education
Replies: 12
Views: 1170

Re: My First Home Purchase!

Short of hooking up with local agents, these sites might prove useful:

http://www.zillow.com
http://www.trulia.com
http://www.homes.com
by EternalOptimist
Wed Jan 22, 2014 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: My First Home Purchase!
Replies: 20
Views: 1961

POLL: Bogleheads' Gender/Education

What is your gender and the highest level of education you have attained?
by EternalOptimist
Wed Jan 22, 2014 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Bogleheads' Gender/Education
Replies: 12
Views: 1170

Re: Free Food

I posted this for seniors, it might be a bit dated.

viewtopic.php?f=11&t=128239
by EternalOptimist
Tue Jan 21, 2014 5:59 pm
 
Forum: Personal Consumer Issues
Topic: Free Food
Replies: 21
Views: 2517

Re: Preparing for behavioral question style interview

I've done a fair amount of hiring over the years, just relax and be yourself. Since you are being asked to come in, it is assumed you can do the job, the rest is do they see you fitting in (which you can't control). So relax, smile, be happy and do a lot of listening. Be sure not to be negative abou...
by EternalOptimist
Tue Jan 21, 2014 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Preparing for behavioral question style interview
Replies: 20
Views: 1508

Let's Go To Lunch

If you had an opportunity to go to lunch with any financial thought-leader past or present who would it be and why? What questions/discussions would you like to have? Let's try not to pile on Buffet :)
by EternalOptimist
Tue Jan 21, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Let's Go To Lunch
Replies: 43
Views: 2887

Re: Home Equity as "Fixed Income" allocation

I own my house debt free. My AA is 50 stocks/50 bonds. For what it's worth I do not count my home in my AA which could be considered conservative for my age...64.
by EternalOptimist
Sun Jan 19, 2014 6:45 pm
 
Forum: Investing - Theory, News & General
Topic: Home Equity as "Fixed Income" allocation
Replies: 41
Views: 1738

POLL: Preferred Withdrawal Method

Generally speaking, for the withdrawal phase, which of these do you feel is the best method of drawing from a stock/bond portfolio over time.
by EternalOptimist
Fri Jan 17, 2014 2:48 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Preferred Withdrawal Method
Replies: 31
Views: 1942

Re: Mutual Fund Purchasing

placeholder wrote:Are you including ETFs or just MFs and if so why the distinction?


Sure ETFs
by EternalOptimist
Thu Jan 16, 2014 6:43 pm
 
Forum: Investing - Theory, News & General
Topic: Mutual Fund Purchasing
Replies: 22
Views: 1276

Re: Work & Life balance

No regrets, I always believed in balance and continue to be close to my 29 year old daughter. I enjoyed being there with my wife to watch her grow. No regrets here :happy
by EternalOptimist
Thu Jan 16, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: Work & Life balance
Replies: 12
Views: 1748

Re: Mutual Fund Purchasing

I bought Fidelity Select Software and Computer Services Portfolio to get a little more tech exposure.....so far so good.
by EternalOptimist
Thu Jan 16, 2014 6:29 pm
 
Forum: Investing - Theory, News & General
Topic: Mutual Fund Purchasing
Replies: 22
Views: 1276

Mutual Fund Purchasing

Thinking about the last fund that you opened, what fund was that and why did you choose to get into it?
by EternalOptimist
Thu Jan 16, 2014 9:35 am
 
Forum: Investing - Theory, News & General
Topic: Mutual Fund Purchasing
Replies: 22
Views: 1276

Withdrawal-based Asset Allocation

Let's say you are in a situation where you are in retirement and virtually all of your expenses are covered by SS, pension, annuity and are withdrawing little to nothing and expect this to go on for quite some time. Could you say that an AA of 90/10 or 80/20 would work even if you're in your 70s or ...
by EternalOptimist
Wed Jan 15, 2014 5:53 pm
 
Forum: Investing - Theory, News & General
Topic: Withdrawal-based Asset Allocation
Replies: 6
Views: 614

Re: Spring vacation ideas

Caribbean cruise is fun, I've done that. Carnival is fun and has good deals.
by EternalOptimist
Wed Jan 15, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: Spring vacation ideas
Replies: 6
Views: 707

Re: percolator vs drip

I understand that French press makes the best coffee. They said, I use a Mr Coffee drip as percolator I think isn't as good. The real key is good coffee preferably ground right at the of using.
by EternalOptimist
Wed Jan 15, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: percolator vs drip
Replies: 109
Views: 5682

Re: Wellington

Have owned some for a short while and am satisfied. Keep adding to it.
by EternalOptimist
Wed Jan 15, 2014 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Wellington
Replies: 29
Views: 4599

Anti-virus protection for Apple products

It seems that the prevailing attitude is that Apple products (iMac, iPad, etc.) don't get viruses, malware for a variety of reasons. Was wondering what those who own these are thinking / doing? Thanks.
by EternalOptimist
Wed Jan 15, 2014 9:51 am
 
Forum: Personal Consumer Issues
Topic: Anti-virus protection for Apple products
Replies: 3
Views: 472

Re: High Earners - What's Your Profession?

Retired a few years but my profession was marketing for major Fortune 500 companies. Though where I live $100k is barely cutting it. Move somewhere else and be rich :) (I know, I know... hard to move away from friends and family) Funny you should mention that, I'm beginning to explore other areas n...
by EternalOptimist
Wed Jan 15, 2014 9:45 am
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 28321

Re: High Earners - What's Your Profession?

Retired a few years but my profession was marketing for major Fortune 500 companies. Though where I live $100k is barely cutting it.
by EternalOptimist
Wed Jan 15, 2014 9:33 am
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 28321

Re: A Simple Thank You Story

Good luck young man, having gratitude is a wonderful trait.
by EternalOptimist
Mon Jan 13, 2014 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: A Simple Thank You Story
Replies: 5
Views: 1121

Re: Did you have a Mid Life Crisis?

Well, at about age 40 I had complete corporate burnout. I went into my own business because of it and learned a lot about life and myself....lots of tough lessons. Ended up going back into corporate life. There's a line I like "never make a major decision when you are emotionally very high or v...
by EternalOptimist
Sun Jan 12, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Did you have a Mid Life Crisis?
Replies: 65
Views: 4502

Re: When to start social security

This decision has both rational and irrational components and is a very personal one. It's like telling someone which car to buy....huh?
by EternalOptimist
Sun Jan 12, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to start social security
Replies: 30
Views: 1998

Re: Citi Study: Rich Families Hoarding Cash

They don't tell you anything about the age distribution. If you are a multimillionaire retiree, with ample retirement savings, why would you take any risk. If you've already won the game, why play again and risk losing? Plus, increased taxes on capital gains makes the risk/reward ratio on investmen...
by EternalOptimist
Sun Jan 12, 2014 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: Citi Study: Rich Families Hoarding Cash
Replies: 20
Views: 3020

Re: Top 12.5% with $712,000 net worth

Works for me. If this is modest what about the other 87.5%
by EternalOptimist
Sat Jan 11, 2014 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Top 12.5% with $712,000 net worth
Replies: 34
Views: 5551

Citi Study: Rich Families Hoarding Cash

A recent study by Citi Private Bank found that wealthy families have about 39% of their assets in cash. Guess they're in the preservation mode?

http://www.cnbc.com/id/101157290
by EternalOptimist
Sat Jan 11, 2014 7:05 pm
 
Forum: Investing - Theory, News & General
Topic: Citi Study: Rich Families Hoarding Cash
Replies: 20
Views: 3020

Re: Midlife rent vs. first-time purchase: please help!

Hi, I'm in opposite situation. Retired, 64 and have always owned my own home. I'm thinking of renting and am just embarking on the journey of whether to now rent for many of the reasons you cited or continue owning. Very early feelings would be to own in a downsized situation but that may change.
by EternalOptimist
Sat Jan 11, 2014 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Midlife rent vs. first-time purchase: please help!
Replies: 38
Views: 2227

Re: Anything else I should be doing at age 31?

Save, live below your means and invest wisely---64 yr old retiree
by EternalOptimist
Sat Jan 11, 2014 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anything else I should be doing at age 31?
Replies: 11
Views: 1668

Re: When to start social security

I'm collecting since turning 62 two years ago and my wife started this month at age 62. This works for me and there is no looking back. I believe I've read that a majority of people collect at 62.
by EternalOptimist
Sat Jan 11, 2014 4:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to start social security
Replies: 30
Views: 1998

Re: Do you oversave for retirement or not?

I retired 3 years ago when I thought I had enough because I hated my job. My wife retired recently, we are both in our early sixties. Life is too short to crunch numbers constantly after all there are no guarantees. Like anything in life, if it feels right it probably is. Oftentimes life is not abou...
by EternalOptimist
Sat Jan 11, 2014 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you oversave for retirement or not?
Replies: 70
Views: 6089

Re: The Winter Blahs

carolc wrote:Volunteering for AARP (tax prep) through mid April. And a few hours for the local food shelf.
But the summers are mine alone.

carolc


Good ideas
by EternalOptimist
Sat Jan 11, 2014 11:53 am
 
Forum: Personal Consumer Issues
Topic: The Winter Blahs
Replies: 48
Views: 3377

Re: Swedroe - Tilt & Biotech

I do a very little bit of that with small cap and tech, it's been fine so far (+43% in '13). I probably should do more but since I'm retired I better not.
by EternalOptimist
Fri Jan 10, 2014 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: Swedroe - Tilt & Biotech
Replies: 19
Views: 1732

Re: The Winter Blahs

I see two camps here: winter lovers or planners for warmth, guess that's what makes the world go 'round
by EternalOptimist
Fri Jan 10, 2014 4:43 pm
 
Forum: Personal Consumer Issues
Topic: The Winter Blahs
Replies: 48
Views: 3377

Re: The Winter Blahs

lucky3 wrote:Don't lose sight of what's really important in life...

... just found out a co-worker of mine has stage 4 liver cancer.

Lucky3


Sorry.....amen
by EternalOptimist
Fri Jan 10, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: The Winter Blahs
Replies: 48
Views: 3377

Re: How do I establish a retirement "number"?

There are many different retirement calculators around (many on this forum) that will give you an indication of what you need. I used a bunch of them and looked for a convergence of the estimates and essentially used that to guide me. I'm retired for 3 years and so far, so good. Obviously there are ...
by EternalOptimist
Fri Jan 10, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I establish a retirement "number"?
Replies: 40
Views: 3577

Re: The Winter Blahs

sperry8 wrote:This must be a thread for you Northerners... in Southern California it's beautiful as usual :happy


Yes I've heard :D
by EternalOptimist
Fri Jan 10, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: The Winter Blahs
Replies: 48
Views: 3377

Re: The Winter Blahs

I'm getting ready to 'snowbird' it in Florida for the month of February, it should be great!
by EternalOptimist
Fri Jan 10, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: The Winter Blahs
Replies: 48
Views: 3377

The Winter Blahs

Now that the holidays are over and winter is in full bloom (so to speak), what do you do to cheer yourself up and deal with the blahs.
by EternalOptimist
Fri Jan 10, 2014 11:21 am
 
Forum: Personal Consumer Issues
Topic: The Winter Blahs
Replies: 48
Views: 3377

Re: Asset Allocation for Middle Age

I'm 64 retired for 3 years and am at 50/50 and plan to stay there for quite a while. There doesn't appear to be a huge outcome difference until you move markedly from that level.
by EternalOptimist
Fri Jan 10, 2014 11:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for Middle Age
Replies: 32
Views: 4285

Re: Free Online Concerts

I saw the movie American Hustle last week. In it, they played the song Delilah by Tom Jones. I just found it and listened to it on the net. It is not to be confused with a more recent song that includes Delilah in it (I never heard of it). I derived great pleasure listening to it -- its only 2 minu...
by EternalOptimist
Thu Jan 09, 2014 6:08 pm
 
Forum: Personal Consumer Issues
Topic: Free Online Concerts
Replies: 8
Views: 906

Re: My 30-year Forecast

Thanks Rick......lots of single digits.
by EternalOptimist
Thu Jan 09, 2014 6:03 pm
 
Forum: Investing - Theory, News & General
Topic: My 30-year Forecast
Replies: 63
Views: 6975

Re: Free Online Concerts

Stumbled upon this, hope it's useful:

http://www.moviesfoundonline.com/music.php
by EternalOptimist
Wed Jan 08, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Free Online Concerts
Replies: 8
Views: 906

Re: Had to go back to work

Thanks to those who defended me although I really don't need it. My goal is to not only raise my level of financial intelligence but that of others who may be fearful of raising questions, it is never to criticize or degrade others. I guess you are entitled to criticize my posts although positive su...
by EternalOptimist
Wed Jan 08, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Had to go back to work
Replies: 31
Views: 2766

Re: Had to go back to work

Has anyone who stopped working/retired had to get back into the workforce. Not because you wanted to but had to due to investment mistakes or financial misfortunes. Thanks I'm sure there have been folks who have done that, but I doubt you'll get any "yes" responses on this forum... Why no...
by EternalOptimist
Wed Jan 08, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Had to go back to work
Replies: 31
Views: 2766

Had to go back to work

Has anyone who stopped working/retired had to get back into the workforce. Not because you wanted to but had to due to investment mistakes or financial misfortunes. How did you feel about it and what would you recommend to others in this situation. Thanks
by EternalOptimist
Wed Jan 08, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: Had to go back to work
Replies: 31
Views: 2766

Re: What is your winter thermostat setting (while you are up

It is cold today in NY.....4 degrees. Heat hardly going off. :oops:
by EternalOptimist
Tue Jan 07, 2014 8:34 pm
 
Forum: Personal Consumer Issues
Topic: What is your winter thermostat setting (while you are up)?
Replies: 116
Views: 8554

Re: Asset Allocation in retirement

I'm 64/retired for 3 years. I'm at 50/50 through a slice and dice method and plan on staying there for a while.
by EternalOptimist
Tue Jan 07, 2014 5:55 pm
 
Forum: Investing - Theory, News & General
Topic: Asset Allocation in retirement
Replies: 25
Views: 2558

Re: How much a baby costs?

"The joy and satisfaction are priceless" :happy
by EternalOptimist
Tue Jan 07, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: How much a baby costs?
Replies: 86
Views: 4744

Re: Change one thing

Realistic: Entered a field that was more satisfying and helpful to others.

Unrealistic: Become a professional tennis player.
by EternalOptimist
Tue Jan 07, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Change one thing
Replies: 29
Views: 2120
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