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Re: POLL: why carry cash?

I don't like to be tracked.
by Marmot
Sat Apr 19, 2014 11:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 225
Views: 7481

precious metal

Copper is hardly a precious metal. There are so many differing views on Dr. Copper. Clear enough to say if you want a long term position, this may it. It is a limited resource, many of the mines are/ have eaten through their high grade ore stores. What may come in the future is a lot more effort for...
by Marmot
Sat Apr 12, 2014 8:22 am
 
Forum: Investing - Theory, News & General
Topic: gold , silver, copper and uranium only
Replies: 46
Views: 2244

Decently written article on retirement

As always it contains interesting data, nothing suprising to this group. Pretty decent, not alarmist, just good fact finding on the status of retirement planning.


http://www.cbsnews.com/news/danger-zone ... king-down/
by Marmot
Mon Mar 31, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Decently written article on retirement
Replies: 22
Views: 3124

Re: Changing 403b provider, leave job with pension?

1b. If I end up leaving, what should I do with the 403b account.. It seems my choices are leave it where it is, roll into a new employers account (no idea if my future employer will even have one or have a decent one), or roll into a traditional IRA. Any advice here? I would personally roll it into ...
by Marmot
Thu Mar 27, 2014 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changing 403b provider, leave job with pension?
Replies: 7
Views: 671

This a bit off topic

We don't have kids and are retiring early. When we set up our will, we decided to put 50% of all assets to go to an educational trust to attend college for any child in our family hierarchy . Hopefully our nieces and nephews children will benefit by having this avenue. The trust runs 500 years, mayb...
by Marmot
Sun Mar 23, 2014 11:04 am
 
Forum: Investing - Theory, News & General
Topic: Help me settle a debate -- Risk in Retirement
Replies: 61
Views: 4222

Re: What was your dumbest financial decision?

Kept money (100K) in AOL too long. Was right about a merger, never thought they would take over Time Warner. I was so sure it was going to be the other way around. Stayed in the stock even when it was going down, no discipline. Stopped playing the stock market after that and swore allegiance to the ...
by Marmot
Sat Mar 08, 2014 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 106
Views: 8391

Re: Considering moving to Oregon

We have a place in Bend. Oregon State has an extension there. Check out their job openings. Also - St. Charles health system is a pretty large employer. Bend has a Costco and Trader Joes - what else do you need in life?:)
by Marmot
Sat Mar 08, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Considering moving to Oregon
Replies: 33
Views: 2622

Re: Estate Planning- Attorney fees $5.5K

We just completely redid our trust and all related documents last year for $3.5K and my brother in law did his for $2.4K. We live in the Phoenix area. Ours was pretty complicated and included spill over trusts, regular trust, living wills, regular will, POA, etc. for both wife and I. We did all the...
by Marmot
Fri Feb 14, 2014 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate Planning- Attorney fees $5.5K
Replies: 34
Views: 3924

I think it can be best described as

We all swim in the same direction.
by Marmot
Fri Feb 07, 2014 12:19 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads invest differently?
Replies: 40
Views: 3912

401K rollover question

I rolled a 401K over to Vanguard in 2013. Fidelity sent me a 1099, how does Vanguard provide documentation that the monies were rolled into an IRA? I hope this makes sense?
by Marmot
Fri Jan 31, 2014 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401K rollover question
Replies: 2
Views: 161

Re: Anyone feed the birds?

Since moving out in the country a few years ago, my wife and I have enjoyed watching the birds coming to an outside bird feeder. Through trial and error, we found that the wild bird food which does the best job of attracting a variety of birds, including colorful woodpeckers, cardinals, jays, etc. ...
by Marmot
Wed Jan 29, 2014 11:33 am
 
Forum: Personal Consumer Issues
Topic: Anyone feed the birds?
Replies: 84
Views: 6203

Our tax bracket has always been the highest so

We chose to defer paying the taxes. We are both ER'ing in a few months. We are planning on 7 years (in which we will Roth $ over) of little or no planned income before I begin to collect a pension at 62. We will certainly be less that the 39% we are paying now.
by Marmot
Fri Jan 24, 2014 2:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: What Percentage of Your Retirement Portfolio is Roth?
Replies: 42
Views: 3025

Re: Salary information - need help

We are a non profit with 4 locations around the USA- $89,610 is the base.
by Marmot
Thu Jan 16, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Salary information - need help
Replies: 10
Views: 1690

Re: Does it really make sense to max out tax-deferred?

We decided back in 1989 to max out both of our 401K's and have stuck with that until now. We have built a pretty sizable amount in tax deferred. I think I can add one persons perspective since I am now 56, so 25 years + on this strategy. We plan to early retire (ER) in May. Our investments (non-taxa...
by Marmot
Wed Jan 15, 2014 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: Does it really make sense to max out tax-deferred?
Replies: 40
Views: 4076

Re: employee surveys

I've had managers in the past come around and ask people why they haven't taken the survey yet. And I sit there thinking "I thought it was supposed to be anonymous". Shouldn't they at least fake it and not give away what they're doing? And this is with a very large corporation that says a...
by Marmot
Sun Jan 05, 2014 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: employee surveys
Replies: 32
Views: 1805

Thanks for doing this

I really enjoy the information.
by Marmot
Sat Jan 04, 2014 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 149
Views: 18678

I have been runnning company surveys

for at least 10 years. Ours are all confidential. We can't tell who a respondent is unless they put their name down. We use an outside, third party for our annual survey and Survey Monkey for quick, targeted surveys. Obviously there are folks who are always paranoid and think that big brother is out...
by Marmot
Fri Jan 03, 2014 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: employee surveys
Replies: 32
Views: 1805

+1

Don't over think it,Pay it Off,,keep it simple :happy Just be done with it. We just received an inheritance which allowed us to "retire" the mortgage. Did not think twice about it, still not thinking or regretting. We are mid-fifties. Had a house paid off a decade ago and then bought agai...
by Marmot
Fri Jan 03, 2014 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: To payoff mortgage or not
Replies: 59
Views: 2810

20.86

What a nice year.
by Marmot
Thu Jan 02, 2014 10:22 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 8535

Re: Lost records for cost basis of gifted Coca-Cola stock

WillyMcG wrote:I'll call Computershare on Monday


We had to do this about 2 months ago when we replaced lost documents. It went very well through Compushare, but did cost us money to do so.
by Marmot
Sun Dec 29, 2013 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lost records for cost basis of gifted Coca-Cola stock
Replies: 16
Views: 1302

Re: What size portfolio are you managing Bogle style?

This thread makes me feel poor. :? Don't! Most of us started from zero..... Also, the thread asks - what size portfolio are you managing? It doesn't ask what size portfolio do you "own" and are managing Bogle style? There are more than a few financial professionals lurking on this board, ...
by Marmot
Sat Dec 28, 2013 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: What size portfolio are you managing Bogle style?
Replies: 48
Views: 4013

Las Vegas

At the Venetian.
by Marmot
Sun Dec 22, 2013 12:26 am
 
Forum: Personal Consumer Issues
Topic: New Year's Eve
Replies: 67
Views: 3098

Re: Swamped In Debt - Thoughts?

Thanks again for all the great comments! I plan on making a few lump sum payments on the 2nd mortgage in the next few days. As for taking additional money from the EF, I just don't feel too comfortable doing that. I figure we probably could have the remaining part of the 2nd mortgage paid off in 3 ...
by Marmot
Sat Dec 21, 2013 11:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Swamped In Debt - Thoughts?
Replies: 68
Views: 8238

Re: What to do if you don't have tax deferred space for bond

It may depend on your age. If you're old enough you might consider an annuity or something like that, which I think gives some tax advantages, but I'm not old enough (yet) to know for sure! Otherwise set up those tax advantaged accounts right now, today. It's not too late to make contributions for ...
by Marmot
Sat Dec 21, 2013 10:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do if you don't have tax deferred space for bonds
Replies: 12
Views: 890

What to do if you don't have tax deferred space for bonds

If someone comes into an "found Money (say inheritance of 200K ), and they haven't ever set up IRA's or participated in a 401K/403B (so they don't have current tax deferred accounts) ; how best would they go about setting up a 60% Stock/ 40% bond portfolio in regards to tax efficiency? Of cours...
by Marmot
Sat Dec 21, 2013 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do if you don't have tax deferred space for bonds
Replies: 12
Views: 890

Go to You Tube

I also just bought a Fujitsu ScanSnap, it came with the software. The documentation has been horrible, so I have been watching You Tube videos to learn.
by Marmot
Tue Dec 17, 2013 9:17 am
 
Forum: Personal Consumer Issues
Topic: Evernote anyone?
Replies: 6
Views: 840

Two batteries

on piece of paper that say "gift not included".
by Marmot
Sun Dec 15, 2013 10:12 pm
 
Forum: Personal Consumer Issues
Topic: Good Christmas (gag) gift
Replies: 18
Views: 1644

Re: inheritance-- max (or not max) retirement & 529s

Marmot, I'm curious if EFC calculation factors into your suggestion to pay off the mortgage or is paying it off independent of that issue? Thanks. Only personal preference. Last month we unfortuntely recieved a rather sizable inheritance. Paid off the mortgage without a thought. We had paid off a m...
by Marmot
Fri Dec 13, 2013 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: inheritance-- max (or not max) retirement & 529s
Replies: 5
Views: 655

You have a great set of questions

I would vote on maximizing out all tax advantaged accounts each year. I also would vote on paying off the mortgage (you will hear lots of different opinions on paying off mortgages) and take the money that was going to the monthly mortgage payment and put it in education funds for the kids. There wi...
by Marmot
Thu Dec 12, 2013 2:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: inheritance-- max (or not max) retirement & 529s
Replies: 5
Views: 655

Re: How to respond to request for current salary in an inter

"Remember that thread where some people thought talking about each others salaries was a FIREABLE offense?" That is an untrue statement in reality. Restricting such conversation is considered an unfair work practice by federal law. this is just one recent ruling: http://drewrysimmonsvorneh...
by Marmot
Wed Dec 11, 2013 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to respond to request for current salary in an interview
Replies: 113
Views: 7225

Re: How to respond to request for current salary in an inter

This is essentially an attempt to lowball you by anchoring the numbers where you're already at. I generally answer with something like "Is that an offer of employment?" then when they say no "Oh, then perhaps we should have that conversation later in the interviewing process". I...
by Marmot
Wed Dec 11, 2013 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to respond to request for current salary in an interview
Replies: 113
Views: 7225

Re: Paid off Mortgage today!

Paying off a mortgage early seems to be not keeping with the "Boglehead" mentality, does it? Paying off early seems to be saying "My portfolio of investments will return less after taxes than my after-tax mortgage rate?" For example: If you received your inheritance in 2009, wou...
by Marmot
Fri Dec 06, 2013 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off Mortgage today!
Replies: 56
Views: 4164

Re: Paid off Mortgage today!

Don't forget to have the homeowner's insurance bill and property tax bill sent to you from now on, as the escrow account at the mortgage company/bank will be closed out (you should be getting a refund check.) I was wondering about that. When your mortgage is paid off, does the homeowner then pay ta...
by Marmot
Fri Dec 06, 2013 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off Mortgage today!
Replies: 56
Views: 4164

Re: Paid off Mortgage today!

Congratulations! This is on my to do list for the coming months. Would you be willing to share the steps you went through to pull it off? Not how you came up with the money, but some details of the process. Like what sort of documentation you got, who you had to deal with, how you transferred the f...
by Marmot
Thu Dec 05, 2013 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Paid off Mortgage today!
Replies: 56
Views: 4164

Paid off Mortgage today!

Just had to tell someone:) We did do it with an inheritance (sad to say), but cut the leash. Totally debt free.
by Marmot
Wed Dec 04, 2013 8:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off Mortgage today!
Replies: 56
Views: 4164

I had "that" conversation yesterday with my CEO

Told her that I was ER'ing in January. I am 56, so it was a bit of a suprise. For those of you that are looking forward to the conversation, all I can say it is bittersweet. My job situation is fine, it is just the right time to make a change of course and get on to whatever lies beyond.
by Marmot
Wed Nov 13, 2013 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: I had "that" conversation yesterday with my CEO
Replies: 19
Views: 3148

Re: Large Inheritance -- moving toward income

If it were me, I would consolidate everything I could under one flag if possible. Of course that would be Vanguard, because that is what we have done:). With that amount they will set you up with a plan (heck - anyone will do that I guess). People here will give you the proper percentages (60/40 is ...
by Marmot
Tue Nov 12, 2013 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance -- moving toward income
Replies: 15
Views: 2354

Inheritence Question

I really don' t see the value of asking this for the reasons listed. I agree that it is of interest though. Why would an inherited lump sum be any different from a yearly bonus lump sum. In my wife's company bonus's regularly reach the six figure area. I see the idea of accounting for a large net wo...
by Marmot
Fri Oct 25, 2013 9:33 am
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey 2014
Replies: 58
Views: 8337

Re: Washinton Post article on personal Debt

I did a quick search to try and locate the "report" that kept getting mentioned in the article, but was unsuccessful. I'd be interested in reading more about the data they examined. This might help a bit. Hard to know when they published the report. http://www.hellowallet.com/research/res...
by Marmot
Wed Oct 23, 2013 10:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Washington Post article on personal Debt
Replies: 23
Views: 3835

Washington Post article on personal Debt

SIAP, I did not see it any where. http://www.washingtonpost.com/business/economy/many-americans-accumulating-debt-faster-than-theyre-saving-for-retirement/2013/10/23/b7a9c85e-3b3e-11e3-b6a9-da62c264f40e_story.html?hpid=z4# It is interesting that the article mentions that Americans over 40 are collec...
by Marmot
Wed Oct 23, 2013 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Washington Post article on personal Debt
Replies: 23
Views: 3835

16%

Not bad for a 60 % stock, 40% bond I guess.
by Marmot
Sat Oct 19, 2013 9:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: What is your rate of return YTD?
Replies: 89
Views: 6156

Fido did it to me earlier this year

I endorsed the check and Fedex'ed it to Vanguard same day.
by Marmot
Tue Oct 15, 2013 6:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset transfer question
Replies: 9
Views: 505

I love Dyson

Expensive, but made to last.
by Marmot
Mon Oct 14, 2013 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Vacuum Cleaner Question
Replies: 11
Views: 1204

Re: 1987 stlye crash on the way?

BolderBoy wrote:
LAlearning wrote:Pork bellies!!!!!!!!!!11

No, Frozen Concentrated Orange Juice!



Priceless..it was the Duke's!
by Marmot
Mon Jul 29, 2013 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: 1987 stlye crash on the way?
Replies: 55
Views: 5663

Re: Vanguard Asset Management Services - any experiences?

We have been in Asset Maangement for about 5 years. I have been very pleased with the service, although we do have yearly discussions about what the full benefit is. That being said, the service has been flawless. Our rep is extremely knowledgable and approachable. In the past 6 months we have been ...
by Marmot
Sat Jul 20, 2013 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Asset Management Services - any experiences?
Replies: 6
Views: 993

Re: could I retire?

Fundamentally it sounds like you could entertain the thought. Obviously you need to get a firm grip on expected expenses. We have been going through this exercise in recent months. We have had to really consider our portfolio allocations , our bond percentage, etc. One tool that I really like is Jim...
by Marmot
Fri Jul 19, 2013 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: could I retire?
Replies: 18
Views: 3249

Re: What are you seeing in your Local Housing Market?

Here in Phoenix the inventory seems to be moving slow in my part of town, we live in a McMansion area (Ahwatukee) and it seems as though houses stay on the market a while. I can think of two that have been on the market for over a year. I read that our market is up +20 in the last year...I guess tha...
by Marmot
Thu Jul 04, 2013 7:44 am
 
Forum: Personal Consumer Issues
Topic: What are you seeing in your Local Housing Market?
Replies: 82
Views: 5741

Re: Question about Qualified Rollover

This is not what you are asking but, what about the idea of transferring to Vanguard . Once you roll it into your current plan you will only have the choices they offer (until you leave that employer). They may have good choices now, but what about two years when they make fund changes? FWIW - my wi...
by Marmot
Sat Jun 29, 2013 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Question about Qualified Rollover
Replies: 3
Views: 259
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