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Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy Birthday Taylor...I just missed it, but my intention is sincere. If you could only see how you have helped our family out over the years - due to your sage advice, we made it through the great recession, and are now happily afloat. But, more importantly, I appreciate your spirit of service and...
by Latecomer
Sun Jan 26, 2014 7:09 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 22118

Re: Property Lines

Yesterday, my Sig. Other went to all the neighbors homes, and told them that we need to close off the trail, that there were too many people. So far, so good - everyone was very nice about it. He didn't get to talk to the guy with the chainsaw, though.... Putting up a sign is a good idea, and we are...
by Latecomer
Mon Dec 09, 2013 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Property Lines
Replies: 26
Views: 4439

Re: Property Lines

I do want to have positive interactions with the neighbors; I want to avoid "prescriptive easements" for the future, or for the land to be encumbered if or when we sell.
by Latecomer
Sun Dec 08, 2013 5:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Property Lines
Replies: 26
Views: 4439

Re: Property Lines

We are in California. We purchased 10 acres about 35 years ago, and build a house three years ago. It turns out that neighbors have been using a trail on our property for hiking for years. We are inclined to just fence off the entrances to the trail - they have expanded one trail to a free-for-all f...
by Latecomer
Sun Dec 08, 2013 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Property Lines
Replies: 26
Views: 4439

Re: Government Shutdown/Default [effect on investments]

I plan to stay the course...We are pretty well-diversified with Treasuries, TIPS, US & International Stocks, cash, gold, paid-for real estate rental income, and a business that is currently doing OK. We made it through 2008, and am confident that we will continue to stay afloat; our financial ra...
by Latecomer
Sun Oct 06, 2013 10:14 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 27529

Re: What did Bogleheads do when the stock market crashed?

Like a deer in the headlights, I just stood there at first...I knew not to sell stocks. When I relaxed a bit, I looked, and followed my original investing plan. We came out fine in the end. Regarding the current bond situation - we have been putting new Roth money into CD's, and reworking our retire...
by Latecomer
Tue Jul 30, 2013 1:11 pm
 
Forum: Investing - Theory, News & General
Topic: What did Bogleheads do when the stock market crashed?
Replies: 127
Views: 79804

Re: [Sad news - Pat Larimore]

Hello Taylor,
My pure, positive energy and sympathy extend to you and your family regarding your recent loss. You are in my prayers.
Please Do Take Care,
Latecomer
by Latecomer
Sat Jul 20, 2013 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 15843

Re: Trusts for grown kids

I also have two grown children who are not, shall we say, interested in finances. Is it possible to set up one "spendthrift" or special needs trust, or two separate trusts? Thanks for bringing up this subject. :)
by Latecomer
Sun Jul 07, 2013 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trusts for grown kids
Replies: 28
Views: 2459

Re: When dying

I extend my sympathy and empathy to you in your time of loss. I haven't lost a spouse, but, I have been a part of hospice care for my best friend, and cared for Mom as she passed over - a privileged position. You wife was very lucky to have someone as caring as you. Please do take care of yourself.
by Latecomer
Sun Jun 23, 2013 10:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: When dying
Replies: 48
Views: 7605

Re: The Second Half of Retirement

Thank you for this "timely" subject. Personally, after experiencing a profound near-death-experience over 30 years ago, I have since looked forward to transitioning into that primal light of pure love. The key is this: setting up a smooth transition. We have requested help from our childre...
by Latecomer
Sat Jun 22, 2013 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Second Half of Retirement
Replies: 23
Views: 3280

Re: Long term investors have advantages but must follow rule

Thank you Larry!
This certainly helps to keep things in perspective - especially having that "prudent reserve" to ensure not having to sell when an asset class is down. :)
by Latecomer
Thu Jun 20, 2013 7:12 pm
 
Forum: Investing - Theory, News & General
Topic: Long term investors have advantages but must follow rules
Replies: 4
Views: 940

Re: future tenant wants to start a day care

I have a rental house in which the current tenant is moving out. A potential new tenant wants to start a small day care for 3/4 kids under the age of four. Does anyone have any experience with this. I am waiting for a call from my insurance agent to see if my policy covers any liability we would ha...
by Latecomer
Tue Jun 04, 2013 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: future tenant wants to start a day care
Replies: 23
Views: 2158

Re: Remember this Memorial Day

Yes. To all those who shouldered the intention to serve and protect: Thank you for your courage, and dedication to your duty.
by Latecomer
Sun May 26, 2013 11:40 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Remember this Memorial Day
Replies: 14
Views: 1546

Re: Can you help with 60's portfolio...appreciate it!

Thanks so much for your input...lots to mull over. Here is some more info: Her Social Security facts: Take it at 67 1/2 - about $879 per month Take it at 70 - about 1,256 per month His Social Security facts: Take it at 66 years old - about $1,257 per month Take it at 70 years old - about 1,660 per m...
by Latecomer
Sat Apr 06, 2013 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Can you help with 60's portfolio...appreciate it!
Replies: 19
Views: 1789

Re: Can you help with 60's portfolio...appreciate it!

Thank you Tuckeverlasting...I'll check out the threads on supplemental insurance.
By the way, your avatar is a "crack-up"! :)
by Latecomer
Fri Apr 05, 2013 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you help with 60's portfolio...appreciate it!
Replies: 19
Views: 1789

Re: Can you help with 60's portfolio...appreciate it!

I (she) has been on Medicare since 2011. He will go on Medicare in July, 2013. We live in California, so maybe that's why the premiums are high. I am not impressed with the "supplement" coverage because Blue Cross doesn't cover what Medicare declines to pay. It is the same way with Humana ...
by Latecomer
Fri Apr 05, 2013 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you help with 60's portfolio...appreciate it!
Replies: 19
Views: 1789

Re: Can you help with 60's portfolio...appreciate it!

The Medicare.gov link was helpful. After DH turns 65, we will have Medicare A & B plus a Medicare supplement and drug policy from Blue Cross and Humana respectively. I was surprised that the extra insurance pays only for what Medicare approves. Thus, when I received a thyroid panel test in 2011,...
by Latecomer
Fri Apr 05, 2013 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Can you help with 60's portfolio...appreciate it!
Replies: 19
Views: 1789

Re: Can you help with 60's portfolio...appreciate it!

YDNAL, I extend a special thank you for reviewing and commenting on my post. I have decided, for 2012, to put our Roth IRA money into CD's; that seems to address my concerns with the rising interest rate issue. The rest of the portfolio can stay put for now. Your idea regarding the one fund approach...
by Latecomer
Fri Apr 05, 2013 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Can you help with 60's portfolio...appreciate it!
Replies: 19
Views: 1789

Re: Can you help with 60's portfolio...appreciate it!

I would be very grateful for feedback :happy
by Latecomer
Wed Apr 03, 2013 10:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you help with 60's portfolio...appreciate it!
Replies: 19
Views: 1789

Re: Investment Advice for near-retirement

Right now, our monthly expenses are approx. $3,200. After Medicare kicks in for both of us (in July), our health insurance should drop. Right now it is $1,552 for us both per mo. After July it will drop to about $904 for both of us per mo. That's a savings of $648 per mo. We can take Social Security...
by Latecomer
Wed Apr 03, 2013 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you help with 60's portfolio...appreciate it!
Replies: 19
Views: 1789

Re: Tips and Treasuries still safe?...or?

I think many of us may be concerned about the bond market, and what are the best choices.
by Latecomer
Wed Apr 03, 2013 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you help with 60's portfolio...appreciate it!
Replies: 19
Views: 1789

Re: Help with new and current investment

Hello Ronoffowork,
It may help to get a more thorough answer if you use the format in the personal investing section - created by Laura. Then, people could get a picture of your entire situation.
And, Welcome :beer (iced tea)
by Latecomer
Wed Apr 03, 2013 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with new and current investment
Replies: 2
Views: 304

Can you help with 60's portfolio...appreciate it!

First, I must say that I deeply appreciate all the thought, energy, and well-wishes that go into your posts. We need some feedback regarding our portfolio...here 'goes.... We own two houses on 10 acres each, and live in one that is newly built. Both are free and clear, and any investments are in add...
by Latecomer
Wed Apr 03, 2013 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you help with 60's portfolio...appreciate it!
Replies: 19
Views: 1789

Re: What the forum is missing...

I like it just the way it is. Thanks so much to the moderators for keeping things flowing!
by Latecomer
Tue Mar 12, 2013 10:15 pm
 
Forum: Forum Issues and Administration
Topic: What the forum is missing... [ability to upvote posts]
Replies: 60
Views: 6271

Re: What's a better term for 'retired'?

"Re-purposed" :)
by Latecomer
Sat Feb 02, 2013 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: What's a better term for 'retired'?
Replies: 97
Views: 4745

Re: Grok's Tip #12: "Press on, regardless" [of the past 5 ye

Grok!...So nice to "hear" from you. Years ago, you gave us advice which has kept us simple, stable and afloat. We are now in our mid-60's and partially retired. Taxable: 60% Total Stock Market and 40% FTSE All-world ex-US Non-taxable: 50% Vanguard's TIPS and 50% Intermediate Treasury Fund...
by Latecomer
Sun Oct 21, 2012 11:23 am
 
Forum: Investing - Theory, News & General
Topic: Grok's Tip #12: "Press on, regardless" [of the past 5 years]
Replies: 42
Views: 5512

Re: Grok's Tip #12: "Press on, regardless" [of the past 5 ye

Grok!...So nice to "hear" from you. Years ago, you gave us advice which has kept us simple, stable and afloat. We are now in our mid-60's and partially retired. Taxable: 60% Total Stock Market and 40% FTSE All-world ex-US Non-taxable: 50% Vanguard's TIPS and 50% Intermediate Treasury Funds...
by Latecomer
Sat Oct 20, 2012 8:35 pm
 
Forum: Investing - Theory, News & General
Topic: Grok's Tip #12: "Press on, regardless" [of the past 5 years]
Replies: 42
Views: 5512

Re: We need a new forum just for retirement issues

Thank you, Mel, for bringing this up. Who's Mel? The OP was diyinvestor. Cognitive decline in the aging process? :wink: Sorry to confuse your cognitive process! :oops: I was referencing Mel's first post on this thread, and I should have thought my post through a bit more carefully. I was on my firs...
by Latecomer
Sun Aug 26, 2012 12:16 pm
 
Forum: Forum Issues and Administration
Topic: We need a new forum just for retirement issues
Replies: 115
Views: 10471

Re: We need a new forum just for retirement issues

I would very much appreciate a new forum just for retirement issues. I do belong to the early retirement forum, but I don't see the depth and wisdom that I see in this forum. I would visit this forum more often if there were a section for retirement issues. I don't even read the posts from the 30 -5...
by Latecomer
Sun Aug 26, 2012 9:41 am
 
Forum: Forum Issues and Administration
Topic: We need a new forum just for retirement issues
Replies: 115
Views: 10471

Re: DIY Radiant Barrier in attic?

We live in California; it will be 104 today, and has been very hot during the last few days. In July we had a heat wave as well. We designed and built the house ourselves, and installed plywood with a radiant barrier on the interior roofing of the attic. So, when we look up, it looks like it is cove...
by Latecomer
Sat Aug 11, 2012 9:52 am
 
Forum: Personal Consumer Issues
Topic: DIY Radiant Barrier in attic?
Replies: 20
Views: 2963

Re: Alex Frakt and Forum Administration

I, for one, extend a sincere thank you to Alex, Taylor, and all who so diligently tend to this site...for no pay. I can't express how much their work has helped us in our retirement planning :moneybag
Latecomer
by Latecomer
Thu Jul 12, 2012 1:06 pm
 
Forum: Forum Issues and Administration
Topic: Alex Frakt and Forum Administration
Replies: 38
Views: 5083

Re: Why everyone needs a BIG emergency fund - a personal sto

Thank you one and all for sharing. I truly admire people who step up to the plate in times of familial duress.
by Latecomer
Wed Jul 04, 2012 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why everyone needs a BIG emergency fund - a personal story
Replies: 84
Views: 10409

Re: Books that have actually changed your life, in a way.

Autobiography of a Yogi by Paramahansa Yogananda. It awakened my interest in spirituality. The other book is: The Boglehead's Guide to Investing.
by Latecomer
Wed Jun 13, 2012 6:58 pm
 
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 149
Views: 9969

Re: Any BH farm owners?

What's BH? :?
by Latecomer
Sun Jun 03, 2012 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any BH farm owners?
Replies: 12
Views: 1994

Many thanks, Valuethinker

Thank you for the beautiful - even, poetic post. My condolences for the loss of your father. I do not fear death after I almost died in the 1970's. I had a full-blown Near Death Experience, and what I learned is this: There is no such thing as death. Everything is perfect, even though there is profo...
by Latecomer
Sun May 27, 2012 1:48 pm
 
Forum: Personal Consumer Issues
Topic: On growing old
Replies: 71
Views: 9845

Re: Rebalancing: stock funds for Roth IRA's?

Thank you, Brian. When I first started studying my options, I wanted to adopt Trev H.'s methodology. But, I recognize that now we have TSM and FTSE all world ex US in taxable. I want to add small cap stocks in a way that would work with what I already have. I do not want to start all over again in o...
by Latecomer
Sun Apr 01, 2012 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing: stock funds for Roth IRA's?
Replies: 10
Views: 453

Re: Rebalancing: stock funds for Roth IRA's?

Thank you very much. I want to you to know that this really, really helps. :D
by Latecomer
Sun Apr 01, 2012 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing: stock funds for Roth IRA's?
Replies: 10
Views: 453

Re: Rebalancing: stock funds for Roth IRA's?

Thank you, YDNAL and mhc, One Roth IRA has Vanguard's intermediate treasury fund only. The other Roth has Vanguard's TIPS fund only. Are you saying that I should re-balance using: Total Stock Market fund...in each Roth FTSE all-world ex US small cap fund...in each Roth or, use TSM in one of the Roth...
by Latecomer
Sun Apr 01, 2012 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing: stock funds for Roth IRA's?
Replies: 10
Views: 453

Re: Rebalancing: stock funds for Roth IRA's?

I was thinking about Trev H.'s posts regarding "the splitters." He referred to this stock portfolio: 25% LB - Large blend 25% SV - Small value 25% ILV - International large value 25% ISB - International blend. However, since I already have TSM and FTSE ex US in our taxable accounts it may ...
by Latecomer
Sun Apr 01, 2012 8:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing: stock funds for Roth IRA's?
Replies: 10
Views: 453

Re: Rebalancing: stock funds for Roth IRA's?

"I'll answer the two questions together. Option 1 Roth International Small Cap Index Taxable TSM Option 2 Roth TSM Taxable TISM Since your current International fund is missing small cap, you could add that. If you don't want to bother, go with option 2. TISM in taxable is very tax efficient an...
by Latecomer
Sat Mar 31, 2012 9:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing: stock funds for Roth IRA's?
Replies: 10
Views: 453

Rebalancing: stock funds for Roth IRA's?

Hello Everyone, We could use some help regarding re-balancing. We own two houses on 10 acres each, and live in one that is newly built. Both are free and clear, and any investments are in addition to the real estate. One of the houses will be a base for our business, which is related to online sales...
by Latecomer
Sat Mar 31, 2012 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing: stock funds for Roth IRA's?
Replies: 10
Views: 453

Re: Can you quantify getting "killed" on bonds?

We (my significant other and I) have our bond holdings in our Roth IRA'a
50% intermediate treasuries (Vanguard)
50% TIPS (Vanguard)

I'm a bit concerned now...what do you all think? We are in our mid-sixties.
by Latecomer
Fri Feb 10, 2012 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: Can you quantify getting "killed" on bonds?
Replies: 56
Views: 4163

Re: REPORTING VIOLATIONS AND UNWELCOME PMs

Thank you for your service, Mel. :)

Latecomer
by Latecomer
Wed Jan 04, 2012 8:35 pm
 
Forum: Forum Issues and Administration
Topic: REPORTING VIOLATIONS AND UNWELCOME PMs
Replies: 46
Views: 15410

Re: Can I draw SS, work, and increase $?

Hello Everyone, I am 66 years old, and have a home-based business that gives us a steady income. I am full retirement age now. My husband is 63. Longevity runs in my family. let's talk about your husband. Does/did he work, and did he make more or less than you did? There are many possibilities, inc...
by Latecomer
Fri Dec 23, 2011 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I draw SS, work, and increase $?
Replies: 8
Views: 719

Re: Can I draw SS, work, and increase $?

Thanks for your input. Right now I am making more each year than I did when I was "working." I am leaning toward drawing SS now, and increasing my "pool" for the next 4 years. What would you do? Have you made an yet appointment to go into the Social Security Office to let them w...
by Latecomer
Fri Dec 23, 2011 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I draw SS, work, and increase $?
Replies: 8
Views: 719

Re: Can I draw SS, work, and increase $?

Thanks for your input.

Right now I am making more each year than I did when I was "working." I am leaning toward drawing SS now, and increasing my "pool" for the next 4 years.

What would you do?
by Latecomer
Fri Dec 23, 2011 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I draw SS, work, and increase $?
Replies: 8
Views: 719

Can I draw SS, work, and increase $?

Hello Everyone, I am 66 years old, and have a home-based business that gives us a steady income. I am full retirement age now. My husband is 63. Longevity runs in my family. Question: If I sign up for Social Security now, and continue to contribute - will this increase benefits gradually until I am ...
by Latecomer
Fri Dec 23, 2011 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I draw SS, work, and increase $?
Replies: 8
Views: 719

Re: On the current crisis

Value Thinker,
As usual, your input is timely and right-on. Thank you for your contribution.
by Latecomer
Wed Nov 23, 2011 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: On the current crisis
Replies: 202
Views: 11037

Re: Can you read people?

I scored 32 - much better than a financial proclivity test I took awhile ago :lol
by Latecomer
Tue Nov 22, 2011 5:23 pm
 
Forum: Personal Consumer Issues
Topic: Can you read people?
Replies: 24
Views: 1863

Re: Andy Rooney

As always, well said, Taylor. I always appreciate your posts.
Sincerely,
Latecomer
by Latecomer
Sun Nov 06, 2011 4:23 pm
 
Forum: Personal Consumer Issues
Topic: RIP Andy Rooney
Replies: 12
Views: 1272
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