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Re: How to best utilize TSP in retirement, particularly G Fu

[quote="ccf" I know my MIL has become a little addicted to the growth we've seen in stocks over the last many years and I don't want to see them suffering (emotionally or financially) if they experience a big drop. She uses Personal Capital and just shared her allocation breakdown with me....
by Professor Emeritus
Tue Apr 28, 2015 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to best utilize TSP in retirement, particularly G Fund
Replies: 15
Views: 941

Re: How to best utilize TSP in retirement, particularly G Fu

My mother in law checks the balances daily and I want her to feel like no matter what happens in the market, everything is in a good place. I have to think on this I guess. The TSP would be less interesting to peek at if it was all G Fund but the other money will be scarier to watch as the market m...
by Professor Emeritus
Tue Apr 28, 2015 8:28 am
 
Forum: Investing - Help with Personal Investments
Topic: How to best utilize TSP in retirement, particularly G Fund
Replies: 15
Views: 941

Re: How to best utilize TSP in retirement, particularly G Fu

Question why hold bonds and take SS instead of deferring? I think they regret this but he started taking SS as soon as he was eligible (3 years ago) so it's too late. I suggested that they try http://www.socialsecuritychoices.com before deciding what to do with my mother in law's benefits and the a...
by Professor Emeritus
Tue Apr 28, 2015 8:25 am
 
Forum: Investing - Help with Personal Investments
Topic: How to best utilize TSP in retirement, particularly G Fund
Replies: 15
Views: 941

Re: How to best utilize TSP in retirement, particularly G Fu

We have the entire TSP in the G fund and Stocks in an IRA in VTSAX. That is 90% of the retirement portfolio. We also have some legacy TIAA. and fidelity spartan stock . Question why hold bonds and take SS instead of deferring? (no problem if its a health issue) DW is disabled and on SSDI. I am defer...
by Professor Emeritus
Mon Apr 27, 2015 5:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to best utilize TSP in retirement, particularly G Fund
Replies: 15
Views: 941

Re: Deceased Person - Idenity Thieft

dolphinsaremammals wrote:
SimonJester wrote:I also believe by December they used her SSN at a medical office to get medical care and skip out on the bill.


Every place I see a doctor now requires a photo Id and insurance cards if they don't know me. I suppose those can be forged, however.


99% of the time its an inside job.
by Professor Emeritus
Mon Apr 27, 2015 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deceased Person - Idenity Thieft
Replies: 18
Views: 1042

Re: Deceased Person - Idenity Thieft

With living person you may also have a claim of negligence in failing to prevent the identity theft. No such claim can be made about the dead. I'm not sure what type of negligence you have in mind. You can certainly sue the estate of a dead person for negligent acts committed while they were alive....
by Professor Emeritus
Mon Apr 27, 2015 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deceased Person - Idenity Thieft
Replies: 18
Views: 1042

Re: Feel like I made a mistake with buying a house: apprecia

My dad bought the house in 57 $12,000 I bought it in 77, $60,000 We did a big renovation in 87 $200,000. House is now worth a million. 80% is teh land under the house.

You can make yourself crazy worrying about shoulda coulda woulda
by Professor Emeritus
Mon Apr 27, 2015 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feel like I made a mistake with buying a house: appreciation
Replies: 29
Views: 2582

Re: Who's holding cash?

Holding cash is a guaranteed way to lose money. Inflation will slowly erode the value. I was holding cash in 2007 due to shifting from Cref to Vanguard. The market crashed and I just was frozen so I did not get it invested back until 2009 So like Willie and joe "I feel like Im a a fugitive for...
by Professor Emeritus
Mon Apr 27, 2015 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: Who's holding cash?
Replies: 56
Views: 3735

Re: Deceased Person - Idenity Thieft

I have heard of scams where people claim the deceased person ordered something from them before they died, there was an old Sailor's expression of "selling dead men tobacco". the Purser on a ship was often accused of adding entries to the log after teh death of a sailor claiming that he h...
by Professor Emeritus
Mon Apr 27, 2015 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deceased Person - Idenity Thieft
Replies: 18
Views: 1042

Re: Deceased Person - Idenity Thieft

If you want to get technical, a deceased person does not have an identity to steal. Anyone anywhere who does business with a person claiming a deceased person's "identity" takes the loss. I have had to point this out several times to creditors. They can't even file a claim on the estate. ...
by Professor Emeritus
Mon Apr 27, 2015 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deceased Person - Idenity Thieft
Replies: 18
Views: 1042

Re: Deceased Person - Idenity Thieft

I think you've posted an excellent question, and timely for me. My sweet mom is now under Hospice care. I've tried to prevent identity theft by freezing her credit with the three credit bureaus 6 years ago. However, I'm not sure how that plays out after death. I'm very interested in whatever info o...
by Professor Emeritus
Mon Apr 27, 2015 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Deceased Person - Idenity Thieft
Replies: 18
Views: 1042

Re: Ethical [Compensation based on sales]

I think it is critical to the discussion to point out that at least the front line supervisors know all about it. In the University we routinely covered classes for sick colleagues. It was even reported as " sick leave collegially supported " which meant they were not charged sick leave. C...
by Professor Emeritus
Mon Apr 27, 2015 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Ethical [Compensation based on sales]
Replies: 54
Views: 2822

Re: What do you drive, and why?

2009 Fire Engine Red Pinstriped GT model Pontiac .........................................Vibe :happy My second Vibe, bought used, great car. (daughter has first one. DW can no longer drive) Installed a backup camera and bluetooth phone connector last Xmas. Keep my third phone in car attached I rent...
by Professor Emeritus
Mon Apr 27, 2015 9:55 am
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 249
Views: 24168

Re: Ethical

Since the managers know about it, it is hard to claim its an "ethical" violation. It is more of an intra-corporate power struggle.... I'm not sure managers having knowledge of this makes it ethical. More likely the managers are unethical too. It all depends on whether the salaried employe...
by Professor Emeritus
Mon Apr 27, 2015 7:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Ethical [Compensation based on sales]
Replies: 54
Views: 2822

Re: family cabin planning through generations

One of the concerns is the potential for their health care costs such as nursing home in the future being a threat to the cabin remaining in the family. Is your concern the cabin or the value of the cabin? These are two different issues You can buy the cabin at any time and Medicaid will be perfect...
by Professor Emeritus
Mon Apr 27, 2015 2:42 am
 
Forum: Personal Finance (Not Investing)
Topic: family cabin planning through generations
Replies: 10
Views: 1296

Re: Cost to deliver a baby today?

whaleknives wrote:Health costs have increased less than college:


O please you have to look at the actual cost of education , not tuition and fees. there has been cost shifting in higher education
by Professor Emeritus
Sun Apr 26, 2015 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Cost to deliver a baby today?
Replies: 23
Views: 1534

Re: Retiring in two months - what to do with TSP?

GlobalNomad wrote:
I will not apply for social security until maximum retirement age/June 2016. At that time, my husband and adult disabled son will also apply for benefits.


I cannot parse this sentence. What is "maximum retirement age" ?
by Professor Emeritus
Sun Apr 26, 2015 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring in two months - what to do with TSP?
Replies: 11
Views: 1275

Re: Cost to deliver a baby today?

Grandchild # 3 was born yesterday in the car on the way to the hospital.
I have the job of figuring out if cleaning the car is covered either by health or auto insurance !!
by Professor Emeritus
Sun Apr 26, 2015 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Cost to deliver a baby today?
Replies: 23
Views: 1534

Re: Spendy spouse

IMHO You need marital help, not financial advice and this is probably the worst place to get it. Did you marry her because she was stylish and devil-may care? As a student I was "middle class poor" I watched every nickel and borrowed my way through law school. I met this girl who actually ...
by Professor Emeritus
Sun Apr 26, 2015 6:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Spendy spouse
Replies: 58
Views: 4168

Re: Drive a local car, rent for trips ?

Epsilon Delta wrote:
You still have not presented any evidence for your statement that "15 passenger vans are extremely hazardous vehicles".



Any vehicle where a tire blowout leads to fatalities is extremely hazardous.
by Professor Emeritus
Sat Apr 25, 2015 11:10 pm
 
Forum: Personal Consumer Issues
Topic: Drive a local car, rent for trips ?
Replies: 40
Views: 3048

Re: Marriage and splitting expenses

cheese_breath wrote:Rugby??? Watch Australian Rules Football online instead. :P


Aussie rules exist so Aussies will have something to be good at.

Now hurling, there is a game !!
by Professor Emeritus
Sat Apr 25, 2015 10:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 6818

Re: Ethical

Since the managers know about it, it is hard to claim its an "ethical" violation. It is more of an intra-corporate power struggle.... I'm not sure managers having knowledge of this makes it ethical. More likely the managers are unethical too. It all depends on whether the salaried employe...
by Professor Emeritus
Sat Apr 25, 2015 10:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ethical [Compensation based on sales]
Replies: 54
Views: 2822

Re: Ethical

Since the managers know about it, it is hard to claim its an "ethical" violation. It is more of an intra-corporate power struggle. You say He does not get paid per unit, his salary is based on what he should sell. So he must be selling more than he is expected to. If he is diverting credit...
by Professor Emeritus
Sat Apr 25, 2015 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ethical [Compensation based on sales]
Replies: 54
Views: 2822

Re: Drive a local car, rent for trips ?

If you run the numbers, I doubt it ever makes sense money-wise to rent a car when you have a reliable car that meets your needs on size. 1. The often-quoted 55 cents a mile cost to driving a car includes gas which you are on the hook for regardless. 2. That rate factors in city driving, which wears...
by Professor Emeritus
Sat Apr 25, 2015 5:46 pm
 
Forum: Personal Consumer Issues
Topic: Drive a local car, rent for trips ?
Replies: 40
Views: 3048

Re: Marriage and splitting expenses

5. Since you're married and (hopefully) joined for life you pool your incomes and pay everything from the $210K pot. It's no longer my money and spouse's money. It's our money. Yes, I agree with this except it much easier if both spouses don't have account constantly to the other re personal type e...
by Professor Emeritus
Sat Apr 25, 2015 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 6818

Re: Help me retire in 10 years

Am I reading correctly you are 24 and you want to retire at 35 with kids and a house and currently have a nonworking spouse. Ill assume you can put away 50K a year for 10 years. 7-800 k. total with what you have. I don't see how it covers your living expenses even without kids. I noted in a separate...
by Professor Emeritus
Fri Apr 24, 2015 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me retire in 10 years
Replies: 27
Views: 3718

Re: As Cogntivity Slips, Financial Skills Often the First to

nisiprius wrote:
555 wrote:Apparently the headline writer had had a "Cognitivity Slip".
Put it in the wardrobe with the chastity belt and the paternity suit.


and the planetary gear, so you can have the teeth engaged
by Professor Emeritus
Fri Apr 24, 2015 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: As Cognition Slips, Financial Skills Often the First to Go
Replies: 22
Views: 1678

Re: Drive a local car, rent for trips ?

Are occupants of 15-passenger vans more likely than occupants of other passenger vehicles to die in crashes? The driver death rate in 15-passenger vans is lower than in other passenger vehicles, but the occupant death rate in the vans is similar. During 2009-13, there were 26 driver deaths per mill...
by Professor Emeritus
Fri Apr 24, 2015 6:43 pm
 
Forum: Personal Consumer Issues
Topic: Drive a local car, rent for trips ?
Replies: 40
Views: 3048

Re: A few things

1. Upgrade to Windows 8.1 (the .1 is important) for a better experience. And, then read this http://www.wikihow.com/Go-Straight-to-Desktop-when-Windows-8-Starts-Up 2. Install Firefox and then the Add-On "AdBlock Plus". Start blocking stuff you don't want to see. Going a little further, yo...
by Professor Emeritus
Fri Apr 24, 2015 3:03 pm
 
Forum: Personal Consumer Issues
Topic: My PC is driving me nuts.
Replies: 28
Views: 1838

Re: What is too long to stay the course?

The Captain of the Titanic stayed on course too long. :happy I will simply repeat that "stay the course" is a horse racing not a maritime term :happy https://www.bogleheads.org/forum/viewtopic.php?f=10&t=130693#p1924995 This is the first hit on Google: http://en.wikipedia.org/wiki/Sta...
by Professor Emeritus
Fri Apr 24, 2015 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: What is too long to stay the course?
Replies: 50
Views: 3379

Re: 1/3 of those SAVING for retirement have less than $1000

Many people in my family do not have any or have very little in retirement. We don't like risk therefore we don't put anything in 401K or IRA. But that doesn't mean we don't have anything. We have them in CDs though. My family members have hundred of thousands in savings. I found this site and read...
by Professor Emeritus
Fri Apr 24, 2015 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: [How do I lead a discussion about saving for retirement?]
Replies: 31
Views: 2680

Re: Have You Prepared A Durable Power Of Attorney?

When we called our Vanguard representative about two months ago, we were told that Vanguard will honor our POA from NJ. Is there a written statement/document at vanguard.com that states that Vanguard will not honor POA? Sorry for the late reply Did you get this in writing ? NB they will say they ac...
by Professor Emeritus
Fri Apr 24, 2015 8:52 am
 
Forum: Personal Consumer Issues
Topic: Have You Prepared A Durable Power Of Attorney?
Replies: 24
Views: 1852

Re: Question regarding annuity for my parents

"No" +1 Best answer since Gen McAuliffe at Bastogne I'm 64. We get literally showered with this garbage. Always a bad deal. Always Don't try to build inflation protection into an annuity. If you need it simple You buy a SPIA and you don't spend it all. you save some for future inflation c...
by Professor Emeritus
Fri Apr 24, 2015 8:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Question regarding annuity for my parents
Replies: 9
Views: 789

Re: What is too long to stay the course?

HardKnocker wrote:The Captain of the Titanic stayed on course too long.


:happy I will simply repeat that "stay the course" is a horse racing not a maritime term :happy

viewtopic.php?f=10&t=130693#p1924995
by Professor Emeritus
Fri Apr 24, 2015 8:00 am
 
Forum: Investing - Theory, News & General
Topic: What is too long to stay the course?
Replies: 50
Views: 3379

Re: Hypothetical "Can he pull the plug?"

I know several moderately disabled 45-60 y/o currently single veterans who live on 35-40 K per year with all heath care provided by the VA. They are experts at low cost entertainment, and as long as they do not "abuse" drugs or alcohol they do fine. (NB prescription drugs problems and chro...
by Professor Emeritus
Fri Apr 24, 2015 7:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Hypothetical "Can he pull the plug?" [Retire early]
Replies: 39
Views: 3351

Re: Age in Bonds Poll

When I was younger in my 30s, I was 50/50 for several years. Now at 50, I have been all over the place. Currently sitting at 60/40 and hope I can stay here for a long time. I really wish I never heard Mr. Bogle say to include social security. That's something he does not say in his books, or at lea...
by Professor Emeritus
Fri Apr 24, 2015 6:04 am
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds Poll
Replies: 72
Views: 3675

Re: Stepped-up basis on TOD brokerage account

The company holding their account would not give valuation numbers (on direction from their lawyers), Who is the personal representative / executor on the estate? I have never heard of anything like this . As PR you are entitled to whatever records the deceased was entitled to. What kind of "c...
by Professor Emeritus
Fri Apr 24, 2015 5:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Stepped-up basis on TOD brokerage account
Replies: 17
Views: 890

Re: Marriage and splitting expenses

You're being pedantic. It's pretty obvious what is an "us" expense and what is a "me" expense for anyone who has separate finances. :D genuinely trying to keep this light :D Are silk nightgowns a his expense, a her expense or an us expense? :sharebeer She was my scuba diving bud...
by Professor Emeritus
Fri Apr 24, 2015 5:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 6818

Re: Marriage and splitting expenses

We have separate bank/brokerage/business/IRA/401K accounts... You really don't have a choice when it comes to IRA and 401k accounts, there are no such things as joint IRAs or joint 401ks. yes but you can agree as we did (in writing) that we each have a half interest in all pensions and retirement a...
by Professor Emeritus
Thu Apr 23, 2015 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 6818

Re: Co-sign on spouse's student loans?

is she eligible for teacher loan forgiveness?

https://studentaid.ed.gov/repay-loans/f ... on/teacher

We work closely with our teachers and I am somewhat appalled at high debt levels for a newly graduated teacher.
by Professor Emeritus
Thu Apr 23, 2015 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Co-sign on spouse's student loans?
Replies: 40
Views: 2337

Re: Drive a local car, rent for trips ?

15 passenger vans are extremely hazardous vehicles http://www.nhtsa.gov/About+NHTSA/Press+Releases/Consumer+Advisory:+NHTSA+Reminds+Drivers+of+15-Passenger+Vans+to+Guard+Against+Rollover+Crashes+During+the+Warm-Weather+Driving+Season http://stnonline.com/index.php/news/latest-news/item/3468-new-whi...
by Professor Emeritus
Thu Apr 23, 2015 5:20 pm
 
Forum: Personal Consumer Issues
Topic: Drive a local car, rent for trips ?
Replies: 40
Views: 3048

Re: Drive a local car, rent for trips ?

Our family (4) and my wife's sister's family (4) all rode up together from SE PA in a 15 passenger van without the rear seat for luggage space. The rental places will take out the seat for you. . 15 passenger vans are extremely hazardous vehicles http://www.nhtsa.gov/About+NHTSA/Press+Releases/Cons...
by Professor Emeritus
Thu Apr 23, 2015 3:52 pm
 
Forum: Personal Consumer Issues
Topic: Drive a local car, rent for trips ?
Replies: 40
Views: 3048

Re: Age in Bonds Poll

Prof: As a poor college student, seeing higher prices every time I went to the A&P, I became a lifetime inflation hawk. I am more than happy to blame the Fed - I just relate dates to presidencies ( Carter era, Reagan era, Clinton era...). I amended my comment to indicate that I share your conce...
by Professor Emeritus
Thu Apr 23, 2015 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds Poll
Replies: 72
Views: 3675

Re: Age in Bonds Poll

Bobby: I grew up in the "Carter" era of 13% inflation. You mean the Burns/ Miller era. The Fed, not the president sets monetary policy. As wiki put it Miller's lackadaisical measures against inflation caused distress among members of the Carter Administration itself. Treasury Secretary Bl...
by Professor Emeritus
Thu Apr 23, 2015 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds Poll
Replies: 72
Views: 3675

Re: Age in Bonds Poll

We are at 54.2% equities and 44.8% bonds. Our desired AA is 50% equities, 50% bonds. So pretty soon I will rebalance back to our desired AA. Our ages are both 61, just about 62. We are not following any particular "rule of thumb", it's just the even split is comfortable at this moment in ...
by Professor Emeritus
Thu Apr 23, 2015 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds Poll
Replies: 72
Views: 3675

Re: 1 day in San Francisco, no car

Been going to Frisco since 63. Just bought tickets for October. 1) We Love Fisherman's wharf De gustibus non est disputandum sealions and Boat ride around the harbor. Maritime museum 2) take the cable car If you are a fan, on Burrit street you will find the famous plaque On approximately this spot, ...
by Professor Emeritus
Thu Apr 23, 2015 11:49 am
 
Forum: Personal Consumer Issues
Topic: 1 day in San Francisco, no car
Replies: 29
Views: 1396

Re: Who follows Age in Bonds

watchnerd wrote:hard assets (MLPs, REITs)



Just curious, I agree these are assets, what makes them "hard" assets
I see them as complex
My FIL loved these and as the attorney for his estate, they were an administrative nightmare
by Professor Emeritus
Thu Apr 23, 2015 10:14 am
 
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 62
Views: 4391

Re: Who follows Age in Bonds

Age is only a proxy for life expectancy. as you get older life expectancy becomes much easier to deal with 60 is a convenient year to shift from worrying about age to worrying about life expectancy it fundamentally changes your portfolio asset allocation strategy. if you are 60 and a typical male bo...
by Professor Emeritus
Thu Apr 23, 2015 10:10 am
 
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 62
Views: 4391

Drive a local car, rent for trips ?

The car purchase thread got me wondering. My local car is a 2009 Vibe. great for driving up to an hour. (can reach both kids) But when I make a longer trip I rent something more comfortable from our local Enterprise. 600 mile 4 day weekend trips often average 45 cpm all up for a full size car. Does ...
by Professor Emeritus
Thu Apr 23, 2015 9:30 am
 
Forum: Personal Consumer Issues
Topic: Drive a local car, rent for trips ?
Replies: 40
Views: 3048

Re: Marriage and splitting expenses

.... We both do basically whatever we want. None of this "checking in" nonsense. I cringe when I see these "I need to check with my spouse" posts; who the heck wants to live like that? .... It's not about asking permission. It's about courtesy and showing respect to your spouse....
by Professor Emeritus
Thu Apr 23, 2015 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 6818
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