Search found 635 matches

by Padlin
Fri Jul 03, 2015 8:57 am
Forum: Investing - Theory, News & General
Topic: Rollover 401K to TIRA
Replies: 6
Views: 588

Re: Rollover 401K to TIRA

Thanks Avi, hadn't thought of the asset protection angle. Along with some of the more important exemptions: 2 cows, 12 sheep, 2 swine and 4 tons of hay; 1 pew occupied by the debtor or the debtor’s family in a house of public worship; 1 sewing machine in actual use by each debtor or by his family, n...
by Padlin
Fri Jul 03, 2015 5:31 am
Forum: Investing - Theory, News & General
Topic: Rollover 401K to TIRA
Replies: 6
Views: 588

Rollover 401K to TIRA

The fund choices I have in my 401k have slowly deteriorated over the years, I'm no longer able to come up with a good diversified low cost portfolio. I retired 2 years ago and will shortly hit 59 1/2 yo. I'm thinking about transferring all but my stable value "GIC" fund to an IRA and doing...
by Padlin
Wed Feb 18, 2015 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Should I Quit My Job
Replies: 46
Views: 7368

Re: Should I Quit My Job

To me it would be more a physiological question as opposed to a physical one. Chances are that you'll be the oldest one in your flight at basic training, with all the 18-20 year olds. Mostly the same when you go through training as you'll be in the barracks/dorms. Once you go off to your first duty ...
by Padlin
Wed Feb 18, 2015 6:59 am
Forum: Personal Consumer Issues
Topic: Is PagePlus Cellular Being Shut Down?
Replies: 16
Views: 3416

Re: Is PagePlus Cellular Being Shut Down?

I hear that they outsourced customer service and as such things have slowed down a lot but nothing about shutting down. I use Kitty Wireless as a middleman between PagePlus and myself, they just launched their own service bypassing PagePlus, Puppy Wireless. I'm giving this one a try, the swap went f...
by Padlin
Wed Feb 18, 2015 6:43 am
Forum: Personal Consumer Issues
Topic: Not clearing snow from driveway
Replies: 81
Views: 6723

Re: Not clearing snow from driveway

Yes you should clear your driveway. 1 - Ice Hazard - Someone probably your spouse will slip and fall. If you are unlucky it will be someone else like the mailman, ups, etc. 2 - re-Freeze Hazard - the freeze thaw cycle will exasperate any cracks in your driveway - turning a small fissure into a new ...
by Padlin
Sun Feb 15, 2015 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Did you overestimate your retirement spending?
Replies: 17
Views: 2525

Re: Did you overestimate your retirement spending?

Only 2 years into retirement and I figured it pretty well so far. Ask again in 10-15 years.
by Padlin
Wed Feb 11, 2015 6:34 am
Forum: Personal Consumer Issues
Topic: Using online tax software
Replies: 14
Views: 1073

Using online tax software

How do you folks feel about using online tax software that they store on their server? I'm a bit leery of it.
by Padlin
Thu Feb 05, 2015 8:15 am
Forum: Investing - Help with Personal Investments
Topic: GIC's
Replies: 2
Views: 233

Re: GIC's

I use our GIC fund for 1/3 of my fixed allocation, along with Inflation Protected Securities VIPSX, and Intermediate Term Bond VBILX. It's what I use as a pseudo money market to store my "safe" money. It is of course not completely safe, but enough so for my needs.
by Padlin
Sun Feb 01, 2015 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on financing RV
Replies: 7
Views: 855

Re: Need advice on financing RV

If you do finance it, look into it well before you retire, I found the bank would not give me a Home Equity Loan as I had no income. That I owed nothing to anybody and had plenty in investments didn't matter.
by Padlin
Tue Jan 27, 2015 6:33 pm
Forum: Personal Consumer Issues
Topic: Less than a Million Club Poll, your real number?
Replies: 15
Views: 3473

Re: Less than a Million Club Poll, your real number?

I thought the "Less Then A Million Club" was for those who retire with less. You want us to add in home equity and give value to SS and still be under 1M? I was playing with I-Orp earlier today, it tells me with the house I have 1.2M, add in SS and I'll end up bringing in and spending over...
by Padlin
Mon Jan 26, 2015 7:58 am
Forum: Personal Consumer Issues
Topic: 400ft Driveway - How do I plow the snow?
Replies: 67
Views: 6209

Re: 400ft Driveway - How do I plow the snow?

Most folks around me with bigger properties use either a plowing service or a small bucket loader of one sort or another. They buy the loader/tractor for year round use, they resell quite easily so you recoup most of the initial outlay. I gave up on the plow service when they slammed into my chimney...
by Padlin
Thu Jan 22, 2015 7:43 pm
Forum: Personal Consumer Issues
Topic: anyone here been to the Super Bowl?
Replies: 23
Views: 2789

Re: anyone here been to the Super Bowl?

Saw the Dallas beat Denver in 78 in NO. I remember all the people and the ocean or orange RV's in the parking lots, the game not so much. You can see it better on TV, but it's more fun to be there. Enjoy, I'm envious. Hopefully this football issue won't ruin it.
by Padlin
Wed Jan 21, 2015 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 68
Views: 6432

Re: What age did you hit $100,000?

1996, age 40. That was putting away 17% of my income for 10 years. 10 years later it was 500k.
by Padlin
Tue Jan 20, 2015 2:35 pm
Forum: Personal Consumer Issues
Topic: St. John, USVI travel advice
Replies: 15
Views: 2208

Re: St. John, USVI travel advice

We've rented in Coral Bay several times, always the same villa, http://www.tradewindscottage.com/ , no air conditioning or pool. You do get the easterlies blowing right into the villa so the lack of AC has not been an issue. We rent a 2 door jeep at Discount Car Rental which is close to, but off the...
by Padlin
Tue Jan 20, 2015 7:29 am
Forum: Personal Consumer Issues
Topic: The "Less Than" a Million $ Club
Replies: 73
Views: 12176

Re: The "Less Than" a Million $ Club

GerryL wrote:So the question should be "Are you prepared to live on a reduced SS check?"


If you're asking can we get by on less then the full amount I've figured on, sure. I try not to get paranoid over the unknown, you plan the best you can and try and stay flexible.
by Padlin
Mon Jan 19, 2015 6:26 pm
Forum: Investing - Theory, News & General
Topic: How would you respond?
Replies: 28
Views: 4263

Re: How would you respond?

Good work.
by Padlin
Mon Jan 19, 2015 6:16 pm
Forum: Personal Consumer Issues
Topic: Instant coffee
Replies: 34
Views: 4010

Re: Instant coffee

We do cold brewed too, wouldn't classify it as instant though.

When we travel (RV) we use instant when the jugs of cold brew run out, to much hassle to mess with the grounds when we're away. Will try a few of these instants out next trip, been using Folgers, after a couple days it's okay.
by Padlin
Mon Jan 19, 2015 6:05 pm
Forum: Personal Consumer Issues
Topic: The "Less Than" a Million $ Club
Replies: 73
Views: 12176

Re: The "Less Than" a Million $ Club

Have just less then $1M, retired a year and a half ago at 57 when the company asked for volunteers to go early, wife still working PT for another year. Will (hopefully) receive pretty much the max from SS when we decide to take it, shooting for her at 66.5, me at 70. No debt, own home and mobile ret...
by Padlin
Sun Jan 18, 2015 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH as a Emergency Fund Vehicle
Replies: 19
Views: 2038

Re: ROTH as a Emergency Fund Vehicle

I had CD's for a number of years as an Emergency fund, when I got to the point in life where an Emergency fund became unnecessary I moved the money over a number of years to a pair of Roths. In the event of a real emergency I could of course get the $ from the Roths, but really just figured it as an...
by Padlin
Sun Jan 18, 2015 2:36 pm
Forum: Investing - Theory, News & General
Topic: 5.6% stable value fund - what allocation?
Replies: 29
Views: 2876

Re: 5.6% stable value fund - what allocation?

I'd want to know as much about it as possible as it is abnormally high. That said, if it's kosher, and not some sort of variable annuity, I'd put all my fixed in it. The Stable Value I have access to is made up of insured bundled mortgages, been dropping very slowly over the years, in the vicinity o...
by Padlin
Sun Jan 18, 2015 2:26 pm
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 140
Views: 13939

Re: What is the international portion of your portfolio and

timboktoo wrote:
The tone people are using to describe international lately is telling, isn't it? It's almost as if we question why we're invested in it at all, after a short period of underperformance.

- Tim


Such is the way recency bias works.
by Padlin
Sun Jan 18, 2015 1:31 pm
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 140
Views: 13939

Re: What is the international portion of your portfolio and

goodenyou wrote:30% and declining. As international continues to perform poorly in comparison to US, and adding more to US only, international is becoming less a portion of my portfolio. Has there been a time where international has performed better than US? If so, when? TIA


Look at 2003 thru 08, roughly.
by Padlin
Sun Jan 18, 2015 10:18 am
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 140
Views: 13939

Re: What is the international portion of your portfolio and

30% of my Equities are International split 80% large 20% small per my ISP. Don't remember exactly why it was 30% as it was a good while ago, it came from reading a lot of Boglehead type books and this forum. I had good reason then, I'm not going to second guess it now.
by Padlin
Sat Jan 17, 2015 4:38 pm
Forum: Investing - Theory, News & General
Topic: How would you respond?
Replies: 28
Views: 4263

Re: How would you respond?

I've always found it absolutely amazing that a 401K is most folks largest asset, by far, and they know nothing about how to handle it. Worse, they don't seem to care. I'd frame your response towards ones who know next to nothing about what they are doing. Let them know that what they do has a huge i...
by Padlin
Sat Jan 17, 2015 10:27 am
Forum: Investing - Theory, News & General
Topic: How would you respond?
Replies: 28
Views: 4263

Re: How would you respond?

Thanks Livesoft, kind of like I imagined it, unfortunately.
by Padlin
Sat Jan 17, 2015 9:38 am
Forum: Investing - Theory, News & General
Topic: How would you respond?
Replies: 28
Views: 4263

Re: How would you respond?

Don't mean to sidetrack the thread but knowing who you are talking to could help fabricate a response. Does anyone know who makes up these committees? Are they appointed by company management, or maybe volunteers? Do they know much of anything about investing? How do they decide what funds to add? D...
by Padlin
Mon Jan 12, 2015 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for low cost cell phone plans...
Replies: 47
Views: 4940

Re: Looking for low cost cell phone plans...

Another PagePlus via Kitty wireless customer, runs us $12 a month per phone for 250/250 and 10mb data. Uses Verizon phones and network. Can see the plan options here http://www.kittywireless.com/pageplus/pageplusplans.html Kitty is coming out with their own system, as opposed to PagePlus, still Veri...
by Padlin
Mon Jan 12, 2015 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Planning Tax Withholding As Newlyweds - Spouse self-employed
Replies: 5
Views: 398

Re: Planning Tax Withholding As Newlyweds - Spouse self-empl

I do/did married with 0 exemptions, had to bump up my state (Mass) a bit though. Never had to do an estimated payment as this covered her PT work with room to spare and was as easy as it gets.
by Padlin
Sun Nov 09, 2014 7:05 am
Forum: Personal Consumer Issues
Topic: Great camera to take pics?
Replies: 44
Views: 6849

Re: Great camera to take pics?

Here's some used Sony's, been using B&H Photo for years without issue. These are the straight RX100's, not the RX100 III's.

http://www.bhphotovideo.com/c/used/869238?gclid=CjwKEAiAvvyiBRDzrYuuldy6wB8SJABPJWObEYJjmWbP0w1_lZdqeMs81tTZOK0SqFEUxr3tvliqfBoC7rzw_wcB
by Padlin
Thu Nov 06, 2014 8:14 pm
Forum: Personal Consumer Issues
Topic: Buying Pearls
Replies: 24
Views: 2249

Re: Buying Pearls

Did you try calling Mikimoto, there's a number to call for questions on their home page. FWIW, I went with American Pearl, only thing I didn't care for was the gift case they come in, kind of cheesy looking. For the money spent I expected something a little more classy. Pearls themselves were perfect.
by Padlin
Mon Nov 03, 2014 6:17 am
Forum: Personal Consumer Issues
Topic: Very few kids in our neighborhood-Thoughts?
Replies: 29
Views: 3583

Re: Very few kids in our neighborhood-Thoughts?

Sounds like a similar area. When we moved in it was a newish country neighborhood with smaller homes, hence it was mostly young couples just starting off with small kids. Fast forward 35 years. All the kids are grown up and gone leaving parents just reaching retirement age. Houses have grown in size...
by Padlin
Sun Oct 26, 2014 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 14864

Re: Gross Yearly Income needed in Retirement (Speculation)

Retired at 56, kind of a mid cost of living area, no debt. Combined pre-retirement gross income roughly $120k, expenses $60-65k. Post retirement net $60-65k. We're RVers, travel the country for a couple months, costs about the same as a couple low end weeks in the Caribbean and is part of the $60-65...
by Padlin
Tue Dec 24, 2013 6:50 am
Forum: Investing - Help with Personal Investments
Topic: Thinking about chucking it all and going Wellington
Replies: 72
Views: 8318

Re: Thinking about chucking it all and going Wellington

Kaiser, a very opening statement, thanks for the thread. Surprising results in the graphs seeing as how much the different allocations differ between fixed and equities, Larry's Fat Tails has a lot going for it. May have to try and do similar but adjusting each to be closer to ones comfort level. If...
by Padlin
Sun Dec 15, 2013 8:06 pm
Forum: Investing - Theory, News & General
Topic: Fun with charts looking at Wellington vs Total Market
Replies: 11
Views: 2104

Re: Fun with charts looking at Wellington vs Total Market

It's what one would expect, no? http://i184.photobucket.com/albums/x192/padlin07/chart2_zps6207580d.jpg According to Morningstar if you invested $10,000 in each Fund on 12/15/1997 you would have the following: VWELX: $32,059 VTSMX: $26,915 This doesn't seem to match up with the chart you posted. An...
by Padlin
Mon Dec 02, 2013 5:58 pm
Forum: Personal Consumer Issues
Topic: Recommendations for flash drive and head phones
Replies: 17
Views: 1087

Re: Recommendations for flash drive and head phones

I've had a set of http://www.amazon.com/Sennheiser-PX-100-Lightweight-Collapsible/dp/B000089GN3 , low cost, great sound, held up well. Bought a set of their PX250's to get even better sound but I couldn't tell te difference, and they developed problems with the wiring in less then a year. On both th...
by Padlin
Sat Nov 30, 2013 8:15 pm
Forum: Investing - Theory, News & General
Topic: Mutual Fund gifts for grand kids
Replies: 5
Views: 547

Re: Mutual Fund gifts for grand kids

If you want to start out small, the minimum initial investment amount for Vanguard Target Retirement Funds and Vanguard STAR® Fund is just $1,000. Wellington and Wellesley is $3000 except for education savings accounts, which are $2000. I've heard that if it's for college, when it comes to financial...
by Padlin
Tue Nov 26, 2013 11:04 am
Forum: Personal Consumer Issues
Topic: Airline ticket change issue
Replies: 4
Views: 540

Re: Airline ticket change issue

Thanks folks, I won't use a subcontractor site for reservations again.
by Padlin
Tue Nov 26, 2013 1:33 am
Forum: Personal Consumer Issues
Topic: Airline ticket change issue
Replies: 4
Views: 540

Airline ticket change issue

Bought tickets on United to St. John USVI from Hartford Ct. a month or so ago for late April. Got a note from Travelocity, whom I went through, that the flight from Hartford to Newark was cancelled and I now have to leave Hartford Thursday at 7pm, going to Chicago and arriving in Newark at 11pm in o...
by Padlin
Mon Nov 25, 2013 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Early 401k Distrbutions
Replies: 3
Views: 294

Re: Early 401k Distrbutions

Thanks Spirit Rider, I'll ask about the PWS specifically, the rep said I was limited to just the one withdrawal a year but it's worth asking about.
by Padlin
Mon Nov 25, 2013 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Early 401k Distrbutions
Replies: 3
Views: 294

Early 401k Distrbutions

Attempting to figure out what I need to do for early distributions, just turned 57, no longer working. I have a friend, (honest, it's not me) that left our employer during a voluntary layoff, same as me, but he did it 10 years ago at 55 where as I just did the same a few months back at 56. A year or...
by Padlin
Fri Nov 22, 2013 7:55 am
Forum: Investing - Theory, News & General
Topic: who here is tempted to pullback on stocks?
Replies: 104
Views: 9032

Re: who here is tempted to pullback on stocks?

Well, I retired recently. It was a year or so earlier than I had originally planned because my employer is circling the drain and people were jumping ship leaving things a mess. So with that plus the recent market highs I decided it would be a good time to rebalance and also cut my allocation a bit...
by Padlin
Fri Nov 22, 2013 7:18 am
Forum: Investing - Theory, News & General
Topic: How to deal with the temptation to pullback on stocks
Replies: 35
Views: 2443

Re: How to deal with the temptation to pullback on stocks

Like Fallible, if your current AA causes too much anxiety then it may the smart time to reevaluate and adjust. I've also found re-balancing can make one feel you've done something, enough to stop any dumb emotion based moves.
by Padlin
Sun Nov 17, 2013 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Target Retirement or Individual funds?
Replies: 11
Views: 1553

Re: Target Retirement or Individual funds?

I take care of both my kids IRA's and 401k's, for the last 5 or so years I did the separate funds as opposed to the TR funds. After watching the results for a few years I've changed them to the appropriate TR funds. As they have changed jobs a couple times, mostly for simplicity's sake, but the TR f...
by Padlin
Sat Nov 16, 2013 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellington instead of total bond market?
Replies: 14
Views: 4085

Re: Vanguard Wellington instead of total bond market?

I don't see a benefit to having the Wellington as opposed to using the appropriate amount of Total US Stock or VIVAX (large Value) and the Total US Bond funds. Wellington is up 17.6% for the year, VTSMX is up 29.25% and VBMFX is down just under 2%. Maybe someone else can do the math and work out the...
by Padlin
Fri Nov 15, 2013 8:38 pm
Forum: Investing - Theory, News & General
Topic: Bond question
Replies: 28
Views: 1413

Re: Bond question

I would think they are right, better have nerves of steel for inevitable losses though. For those of us that prefer a little help withstanding the bumps, there are bonds.
by Padlin
Thu Nov 14, 2013 2:07 am
Forum: Personal Finance (Not Investing)
Topic: discretionary spending per month
Replies: 48
Views: 3390

Re: discretionary spending per month

Groceries are not discretionary in my calculations, essential spending is about 3x what discretionary is.
by Padlin
Tue Nov 12, 2013 2:25 am
Forum: Investing - Help with Personal Investments
Topic: Too aggressive to meet our goals?
Replies: 3
Views: 674

Re: Too aggressive to meet our goals?

My questions are as follows: 1. Is my allocation too aggressive with stocks considering my goals? I feel we have done pretty well and our biggest concern now would be a large loss. 2. I am concerned about the poor rate of return on bonds. Should I stay a little more aggressive with stocks because o...
by Padlin
Tue Nov 12, 2013 1:30 am
Forum: Investing - Help with Personal Investments
Topic: our portfolio- any comments/suggestions?
Replies: 4
Views: 476

Re: our portfolio- any comments/suggestions?

No real problem with it other then there are too many funds at 23, I'd simplify. I'd also think about paying off the house for the same reason.
by Padlin
Sun Nov 10, 2013 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Thrivent Financial for Lutherans?
Replies: 43
Views: 21267

Re: Thrivent Financial for Lutherans?

40+ years ago the AAL rep for life insurance was a member of our church, my parents bought all the kids policies, and most of us still have it. About 15 years ago living in another state in the process of upping my policy the then current rep (who was a Lutheran) came over and wanted to talk investi...

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