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Re: Can I open an immediate annuity with IRA money?

Thank you. Great information. As I have just started my research, that gives me additional things to consider. We are 59/60 and already have LTC policy in place. Unless the premiums get super outrageous we should be ok that way. We are planning to retire within the next 1-2 years. Any other comments...
by birdy
Tue Sep 30, 2014 7:55 pm
 
Forum: Investing - Theory, News & General
Topic: Can I open an immediate annuity with IRA money?
Replies: 4
Views: 541

Can I open an immediate annuity with IRA money?

I am researching the various strategies to generate lifetime income flow for retirement. Have been looking at hybrid solutions, which might include having an immediate annuity as part of my plan. Can you open an immediat annuity with IRA money? The majority of my retirement money is in 401k/IRA/Roth...
by birdy
Mon Sep 29, 2014 4:35 pm
 
Forum: Investing - Theory, News & General
Topic: Can I open an immediate annuity with IRA money?
Replies: 4
Views: 541

Re: Runners and compression socks

I am not a runner but I use them also. When I fly more than 5 hours I wear them. When we do alot of walking/sightseeing day after day, they help my legs feel less tired.

birdy
by birdy
Tue Aug 12, 2014 10:55 pm
 
Forum: Personal Consumer Issues
Topic: Runners and compression socks
Replies: 18
Views: 1590

Re: Anyone have a CD ladder with Sallie Mae Bank?

Do you really need to have your CD ladder all at the same place? I have a 5 year ladder and I use bankrate.com to find the highest APY--then I open the new CD there. I have a CD maturing at the end of this month so I have been shopping around for highest APY. As of last week Virtual Bank's 5 year AP...
by birdy
Mon Jun 16, 2014 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone have a CD ladder with Sallie Mae Bank?
Replies: 1
Views: 306

Re: We Don't want to die with Money

The farm land can not be sold by my husband and myself. Since we have no children and grandpa's intent was to keep it in the family, when both of us are finally dead our half of the farm goes to our nephew (who will also get the OTHER half when HIS parents die). There is nothing that says HE can't s...
by birdy
Thu Mar 27, 2014 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 3967

Re: We Don't want to die with Money

Wow! I had no idea how many of you DON"T want to spend what you have saved for retirement! Even if we spend down our entire retirement nest egg, we will still have S.S. and farm rental income till we die. Any personal time/money we give to charity/church we want to do in our own lifetime as a c...
by birdy
Thu Mar 27, 2014 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 3967

Re: We Don't want to die with Money

Of course we don't mean down to ZERO when we die! We do not intend to leave an estate. We have worked hard to save and soon it is our time to enjoy spending it with the lux of free time. I have done lots of volunteer work over the years. My way of giving back has been to physically pitch in with var...
by birdy
Wed Mar 26, 2014 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 3967

Re: We Don't want to die with Money

sorry $50,000./yr
birdy
by birdy
Wed Mar 26, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 3967

We Don't want to die with Money

My husband and I have been seriously talking about how soon to retire. We are both 59. We have a 5 year CD ladder set up so we can use the money to live on for 5 years until we would start to use our retirement/investments. Like most of you, we have concentrated on being savers all our life and now ...
by birdy
Wed Mar 26, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 3967

Re: Viking River Cruises

I get motion sickness also. I can't ride in the back seat of a car and I certainly can't read in a moving one! I have had problems with being sea sick on the Ocean cruises we have taken but after the first ocean cruise I learned to start taking meds as soon as I get on the airplane. I have never exp...
by birdy
Fri Mar 21, 2014 8:11 am
 
Forum: Personal Consumer Issues
Topic: Viking River Cruises
Replies: 26
Views: 3521

Re: Viking River Cruises

My husband and I have been on 3 river cruises. Nile cruise in Egypt , Mekong cruise in Vietnam and Yanzee Cruise in China. All three of these river cruises were through Uniworld cruises. A nice perk is that we get free laundry service(1 per week) because we have traveled with them previously. I know...
by birdy
Wed Mar 19, 2014 11:56 pm
 
Forum: Personal Consumer Issues
Topic: Viking River Cruises
Replies: 26
Views: 3521

Re: Opened Roths for 2013, but don't quailfy for them!

Thanks everyone for the quick response!!! Now I can decide which way to go to fix this problem. You all are the BEST!!!
birdy
by birdy
Sun Feb 16, 2014 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opened Roths for 2013, but don't quailfy for them!
Replies: 4
Views: 672

Opened Roths for 2013, but don't quailfy for them!

Hi everyone: My husband and I have been working on our 2013 Federal income taxes all day today. We just realized to our shock that a mutual fund we have with Janus did a Capital Gain Distribution of $22k. This has pushed our income past the cut off to be able to open Roth IRA's. We funded our 2013 R...
by birdy
Sun Feb 16, 2014 2:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Opened Roths for 2013, but don't quailfy for them!
Replies: 4
Views: 672

Re: Did you have a Lousy Job as a teen / young adult?

In high school I started baby sitting full time in the summer for parents who worked but needed their kids watched. It didn't pay much so I got a "better" job. I was a flower-bulb picker! Three kids on each side of a moving trailer with a conveyer belt between. I picked the bulbs out of th...
by birdy
Mon Jan 20, 2014 10:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you have a Lousy Job as a teen / young adult?
Replies: 127
Views: 5514

Re: Spending money abroad

Thank you dgdevil for your enlightening and un informative reply to my question. I enjoy traveling with a tour group. I can go with a group of friends and not have to be bothered with all the small details of the trip. I speak no other foreign language and I have found it a very stress free way to t...
by birdy
Sun Jan 05, 2014 1:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Spending money abroad
Replies: 46
Views: 2603

Re: Spending money abroad

I have traveled out of the country quite a bit. Has what I have been doing wrong/expensive all this time??? I order whatever money I need from my bank/exchange in the currency I want. I usually go with a tour and my thinking has been that I won't have time to hunt down a ATM (I also don't have a car...
by birdy
Sun Jan 05, 2014 1:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Spending money abroad
Replies: 46
Views: 2603

Re: In-service 401(k) distribution at at 59 1/2?

Thank you for the help! DSInvestor, I read that also but I wasn't sure if that pertained to our situation!
Thanks GerryL. It really helps to have some one that has done it give me info!
I knew I could count on you all to give me the info I need! Appreciate it very much.

birdy
by birdy
Tue Nov 26, 2013 11:55 am
 
Forum: Investing - Theory, News & General
Topic: In-service 401(k) distribution at at 59 1/2?
Replies: 6
Views: 420

In-service 401(k) distribution at at 59 1/2?

My husband is 59 1/2. I thought I read on the blog that if your employer allows it, you can roll part of your 401(k) to a IRA while still employed? I have been searching on the site and can't come across this thread. I tried looking it up on the IRS website and couldn't find anything about it. My hu...
by birdy
Sun Nov 24, 2013 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: In-service 401(k) distribution at at 59 1/2?
Replies: 6
Views: 420

Re: Bogleheads' "Rags to Riches" Stories

My story probably not uncommon here in Bogleheads land: Father worked for the railroad and was hardly home. Stay at home mom for quite a while growing up. Can still remember in grade school watching mom pull out a shoe box of bills every month and trying to decide which bills had to be paid and whic...
by birdy
Sun Oct 27, 2013 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads' "Rags to Riches" Stories
Replies: 107
Views: 15825

Re: How many square feet is your home?

2053 square feet. We designed our floor plan so there was a minimum of wasted space. Have lived here 16 years now. We have 3 bedrooms, 2 full baths, a dedicated office, a kitchen open to the great room (living room). We built it because we wanted a 3 car garage and only homes with large square foota...
by birdy
Sun Oct 20, 2013 8:27 pm
 
Forum: Personal Consumer Issues
Topic: How many square feet is your home?
Replies: 162
Views: 11122

When is a Balanced fund not a Balanced fund???

I just received a Janus newsletter. One little box titled "Going for Balance" really caught my attention: "A balanced fund may be just the ticket for moderate-risk investors seeking exposure to equities and the downside protection of bonds. The typical balanced fund maintains a firm a...
by birdy
Fri Oct 11, 2013 12:19 pm
 
Forum: Investing - Theory, News & General
Topic: When is a Balanced fund not a Balanced fund???
Replies: 2
Views: 376

Re: Landlord will not return rent deposit check ($1500)

I am not a lawyer BUT I watch lots of "court" shows! Generally how it goes is that you need to know what your state law is about its return (notify you in writing within certain time to itemize why not getting the money). Some states even require double damages to the renter if this is not...
by birdy
Tue Sep 24, 2013 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlord will not return rent deposit check ($1500)
Replies: 41
Views: 5602

Re: Retiring in 3 years and sitting on 85% cash since 2008

I am 58 yrs old and hubby is 59. Our portfolio is: 62%--stock mutual funds (20% international) 14.2%--bond Funds 16%---5 year CD ladder (1 CD comes due every 6 months), we also have always included our EE Savings bonds in this catagory 7%----old variable annuity & old 401b account We haven't dec...
by birdy
Sun Sep 01, 2013 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring in 3 years and sitting on 85% cash since 2008
Replies: 75
Views: 7483

Re: sleep number beds

Have owned/slept on a king sleep number bed for 14 years. Have really loved it. I don't understand the "squeek" when getting up--mine has never done that. I have found that the last 2 years I have had to add more air occasionally, but not enough to think about getting a new one. My parents...
by birdy
Tue Aug 20, 2013 11:33 pm
 
Forum: Personal Consumer Issues
Topic: sleep number beds
Replies: 22
Views: 3029

Re: Does the unit price of a fund matter?

Wow grabiner, you really got to the heart of my question!!! Now I understand and I thank you for this "light bulb" moment!

birdy
by birdy
Tue Jul 30, 2013 11:35 pm
 
Forum: Investing - Theory, News & General
Topic: Does the unit price of a fund matter?
Replies: 10
Views: 721

Re: Does the unit price of a fund matter?

Thanks everyone!

birdy
by birdy
Tue Jul 30, 2013 11:00 pm
 
Forum: Investing - Theory, News & General
Topic: Does the unit price of a fund matter?
Replies: 10
Views: 721

Re: Does the unit price of a fund matter?

VBIIX VG Intermediate term Bond Index Share price: $11.34 VPACX VG Pacific Stock Indes Share price $10.86 PTTRX Pimco Total Return fund Share price: $10.79 JACNX Januus Contra Fund Share price: $18.16 FAIOX Fidellity Advisor Balanced Fund Share price: $18.41 I just keep thinking about "penny St...
by birdy
Tue Jul 30, 2013 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: Does the unit price of a fund matter?
Replies: 10
Views: 721

Does the unit price of a fund matter?

Hi everyone; I was looking at my Vanguard account (which includes non-Vanguard accounts) and noticed I have some funds that are $23.00 or less per share. Does the share price indicate a warning sign that a fund is not doing well? I know, stay the course.....but I was curious on your thoughts on this...
by birdy
Tue Jul 30, 2013 10:01 am
 
Forum: Investing - Theory, News & General
Topic: Does the unit price of a fund matter?
Replies: 10
Views: 721

Re: 72% 401K Contribution - My Wife Worries People Will Wond

I am working as a PRN at one company. Since I only work a small number of hours per week, I asked HR if I could put 100% of my pay into the 401K. They said yes but the when I went to fill out the computer info, it would only go up to 99%. I get NO paycheck and in fact "forget" we even have...
by birdy
Sat Jul 27, 2013 1:00 am
 
Forum: Investing - Theory, News & General
Topic: 72% 401K Contribution - My Wife Worries People Will Wonder!
Replies: 53
Views: 5627

Re: Stumped by a Stump

I too live in Texas! Just recently I read how to get rid of a stump. Drill holes down into stump and fill holes with pure epson salt. Water it in and the stump is supposed to rot away. Anyone else heard of doing this?

birdy
by birdy
Sat Jul 27, 2013 12:40 am
 
Forum: Personal Consumer Issues
Topic: Stumped by a Stump
Replies: 49
Views: 3435

Re: What's your budget look like?

+1 Nedsaid
Except I don't use quicken. Was still able to hit my 1M+ mark! (38 years of saving)

birdy
by birdy
Sat Jul 20, 2013 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your budget look like?
Replies: 45
Views: 3446

Re: Ordering a new vehicle

I had a bad experience the last time I ordered a car to be made for me. I negotiated on line for the price and then went to the dealer to do the final paperwork. I gave them a deposit and was told it would take 2-3 months. After 2 months I called the dealership to check on the status of the car. I w...
by birdy
Sat Jun 29, 2013 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Ordering a new vehicle
Replies: 39
Views: 3119

Re: Crazy reply from employer re 401k Index funds

Thanks for the info about that in-service rollover at 59 1/2. I didn't know about that. I will read up on it and find out if this 401k allows it. I will be 59 in January 2014 so 59 1/2 isn't so far away! Not that I want to rush getting older!

birdy
by birdy
Sat Jun 15, 2013 1:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Crazy reply from employer re 401k Index funds
Replies: 66
Views: 7696

Re: Crazy reply from employer re 401k Index funds

If this is how the majority of 401ks/403bs are chosen and offered, how can the average person be expected to save enough for a retirement NOT dependent on some form of government assistance? Big companies have taken away the traditional Pension and replaced it with the "new" 401k. They may...
by birdy
Thu Jun 13, 2013 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Crazy reply from employer re 401k Index funds
Replies: 66
Views: 7696

Re: Crazy reply from employer re 401k Index funds

As I origionally stated, I need some more foreign to be better balanced in my portfolio. Of course I will continue to add to this 401k. As someone pointed out to me at least the employer match will help offset the high expenses. I already max my ROTH every year and using this 401k enables me to get ...
by birdy
Thu Jun 06, 2013 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Crazy reply from employer re 401k Index funds
Replies: 66
Views: 7696

Re: Crazy reply from employer re 401k Index funds

I very much doubt that my fellow employees will back me up. There are few of them that are even signed up for the 401k--I'm not kidding! Alot of my coworkers are in their 20's-30's (I am the oldster at 58) and can't even seem to understand that they are passing up FREE MONEY if they don't at least c...
by birdy
Thu Jun 06, 2013 8:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Crazy reply from employer re 401k Index funds
Replies: 66
Views: 7696

Re: Crazy reply from employer re 401k Index funds

All I intended to do when I emailed about the 401k was to ask for some Index funds. I only used Vanguard as an EXAMPLE of the type of expense ratios I wanted to see. The company says they review the 401k choices every quarter. Of course I realize that this is now the stopping point about this subjec...
by birdy
Wed Jun 05, 2013 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Crazy reply from employer re 401k Index funds
Replies: 66
Views: 7696

Re: Crazy reply from employer re 401k Index funds

All these emails were sent to me by the VP of Human Resources!!!!

birdy
by birdy
Wed Jun 05, 2013 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Crazy reply from employer re 401k Index funds
Replies: 66
Views: 7696

Re: Crazy reply from employer re 401k Index funds

Stealing from your suggestions I wrote this reply to our 401k: "Thank you for the information you provided me. I know that for any given investor, there is a whole spectrum of reasonable mutual funds for asset allocations. The best I can do as an individual is create a portfolio that is close t...
by birdy
Wed Jun 05, 2013 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Crazy reply from employer re 401k Index funds
Replies: 66
Views: 7696

Re: Crazy reply from employer re 401k Index funds

When I emailed my origional request about Index funds, their reply was: "First to use your examples VTIAX which by the way is only a 1 year old index was ranked in performance by the Lipper Objective 277th out of 330 funds. That means after fees there were 276 funds that performed better than t...
by birdy
Wed Jun 05, 2013 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Crazy reply from employer re 401k Index funds
Replies: 66
Views: 7696

Re: Crazy reply from employer re 401k Index funds

I neglected to add that the emails to me have a big CONFIDENTIALITY NOTICE on the bottom saying it is to be viewed by me only. Why is this is such a big secret? So I am subject to firing, I guess in talking about this. If what I was told is true, then this info should be given to all the 401k invest...
by birdy
Tue Jun 04, 2013 11:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Crazy reply from employer re 401k Index funds
Replies: 66
Views: 7696

Crazy reply from employer re 401k Index funds

I recently was allowed to sign up for the company 401k. There is ONE Index fund offered and the balance of the funds are all high expense ratios. When I contacted them to ask about adding some Vanguard Index funds, I received this reply: "I appreciate your zeal..but..I caution you not to get fi...
by birdy
Tue Jun 04, 2013 10:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Crazy reply from employer re 401k Index funds
Replies: 66
Views: 7696

Re: How can I work 4 days a week?

I have a great idea! Get let go from your job of 11 years at age 58 after being employed full time in your profession for 23 years. Be unsuccessful finding full time employment again. Start taking small parttime jobs for a grand total of 20 hrs a week of work---and what do you know, you are down to ...
by birdy
Thu May 16, 2013 10:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can I work 4 days a week?
Replies: 9
Views: 1699

Re: Have You Done a FSBO? Did It Go OK?

The last home we sold was by using a "do it yourself" company called For Sale By Owner. For an upfront fee they came and took pictures of the house, put it on MLS, and gave us a packet of forms and directions on how to do everything else. I have to tell you it worked out really well for us...
by birdy
Sat May 04, 2013 9:08 pm
 
Forum: Personal Consumer Issues
Topic: Have You Done a FSBO? Did It Go OK?
Replies: 28
Views: 2917

Re: I need an emerging mkt fund (not Vanguard)

Thanks leonard & nisiprius, I had PAAIX and VEXMX in my column for all my international funds by mistake. I didn't pick up on my mistake when I was typing them in for my post. What Vanguard says is: Of my stock/stock market mut. fund holdings which are 61.2% of All Portfolios: .International is ...
by birdy
Tue Apr 16, 2013 10:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need an emerging mkt fund (not Vanguard)
Replies: 20
Views: 1904

Re: I need an emerging mkt fund (not Vanguard)

.Thanks DSInvestor for the links to Altruistafa--very interesting information .Thanks Bnac--In the past I held only a small amount in International funds, so I have just kept what I already have .Thanks Nisiprius- You are absolutely right--I have had some tunnel vision. The 59% figure is the TOTAL a...
by birdy
Tue Apr 16, 2013 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need an emerging mkt fund (not Vanguard)
Replies: 20
Views: 1904

Re: I need an emerging mkt fund (not Vanguard)

EXACTLY Default User BR! I have kept my different (non-VG) mutual funds because they have done well for me over the years. A few of them have higher expense ratios (they are 401k accounts) but I have hesitated to consolidate into VG Total International (and a few are my husbands 401k funds he doesn'...
by birdy
Tue Apr 16, 2013 8:29 am
 
Forum: Investing - Help with Personal Investments
Topic: I need an emerging mkt fund (not Vanguard)
Replies: 20
Views: 1904

Re: I need an emerging mkt fund (not Vanguard)

INTERNATIONAL MUTUAL FUNDS: VTIAX VG Total Internat Stock Index 1.5% VPACX VG Pacific Stock Index .3% VFWIX VG FTSE All-world ex US index .2% EMIEX Columbia Internat. Value 2.5% RERGX American Funds Europacific .8% TIVRX Thornburg Internat Value 2.0% These are my international mutual funds. Current ...
by birdy
Tue Apr 16, 2013 12:10 am
 
Forum: Investing - Help with Personal Investments
Topic: I need an emerging mkt fund (not Vanguard)
Replies: 20
Views: 1904

Re: I need an emerging mkt fund (not Vanguard)

Includes only your international stock and stock mutual fund holdings, which are 11.2% of All Portfolios. Developed markets Market Your Stock Portfolio Stock Markets Outside the U.S. Difference From Market Europe 51.3% 45.0% 6.3 Pacific 26.2% 23.0% 3.2 Canada 9.4% 8.0% 1.4 Emerging markets Market Yo...
by birdy
Mon Apr 15, 2013 8:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need an emerging mkt fund (not Vanguard)
Replies: 20
Views: 1904
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