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Re: Retiring August 31, Company terminating pension plan

I guess you can start with the four ratings agencies... A.M. Best, Fitch, Moody’s and Standard & Poor’s.
by cheese_breath
Sat Apr 25, 2015 12:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiring August 31, Company terminating pension plan
Replies: 10
Views: 1187

Re: deadbeat in group

You can't control management, and you can't control the deadbeat. If you can't live with that it's time to look for another job.
by cheese_breath
Fri Apr 24, 2015 11:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: deadbeat in group
Replies: 2
Views: 726

Re: Giving Vanguard VTSMX as a Wedding Gift

She... "Gee honey, look at all the wonderful wedding gifts. I wonder what's in this envelope. Maybe it's a nice big check so I can buy something really special to wear on our honeymoon." He... "I'll open it and see... (pause)... It's stock certificates." She... " (censored)...
by cheese_breath
Fri Apr 24, 2015 11:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Giving Vanguard VTSMX as a Wedding Gift
Replies: 33
Views: 2190

Re: Loaning $$

John3754 wrote:
Gbean wrote:Any ideas?


Yes, don't do it.

+1 Double that. There's a good possibility it won't end well for you.
by cheese_breath
Fri Apr 24, 2015 8:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Loaning $$ [to a friend]
Replies: 9
Views: 436

Re: Retiring August 31, Company terminating pension plan

Gleops2 wrote:If you start to collect the pension in 2015, I don't think that means in 2016 you'd have to take an insurance company annuity.....

Not necessarily. I was already collecting my GM pension when they terminated the plan, and that included current retirees.
by cheese_breath
Fri Apr 24, 2015 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring August 31, Company terminating pension plan
Replies: 10
Views: 1187

Re: Retiring August 31, Company terminating pension plan

I faced the same situation as a GM retiree. In my case GM gave me a personalized letter offering several choices including lump sum and three different annuity options. I chose the annuity providing the same benefits and payments as my GM pension. Certainly the insurance company they choose could ha...
by cheese_breath
Fri Apr 24, 2015 7:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring August 31, Company terminating pension plan
Replies: 10
Views: 1187

Re: dollar cost averaging

I don't think there is any ideal unless you're contributing from your employment income. Then it's every paycheck.
by cheese_breath
Fri Apr 24, 2015 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: dollar cost averaging
Replies: 16
Views: 639

Re: Giving Vanguard VTSMX as a Wedding Gift

She... "Gee honey, look at all the wonderful wedding gifts. I wonder what's in this envelope. Maybe it's a nice big check so I can buy something really special to wear on our honeymoon." He... "I'll open it and see... (pause)... It's stock certificates." She... " (censored) ...
by cheese_breath
Fri Apr 24, 2015 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Giving Vanguard VTSMX as a Wedding Gift
Replies: 33
Views: 2190

Re: Marriage and splitting expenses

87 Posts - not one comment or response from the OP. Any wonder? :twisted: OP has responded twice. Yes, early on in the posting, nothing since yesterday at 12:41am. Agreed! Your response was #88 on the thread, so I wondered if you had missed his responses. Maybe a) he is in agreement with the majori...
by cheese_breath
Fri Apr 24, 2015 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 100
Views: 5156

Re: Giving Vanguard VTSMX as a Wedding Gift

You have got to be kidding. Only if it's on the wedding registry. I can't think of a more impersonal gift. Whether it's personal or impersonal depends on the recipient. However, given that the recipient doesn't have a Vanguard account It's probably not a good fit (though the recipient could be inve...
by cheese_breath
Fri Apr 24, 2015 10:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Giving Vanguard VTSMX as a Wedding Gift
Replies: 33
Views: 2190

Re: Advise For Buying A House From A Big-Box Builder

I'm not familiar with the term big-box-builder, but I'm guessing you're referring to someone who is building a whole subdivision. Typically they will offer a few standard house designs with some standard upgrade options. They are able to offer such good prices because everything is standardized incl...
by cheese_breath
Thu Apr 23, 2015 10:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advise For Buying A House From A Big-Box Builder
Replies: 8
Views: 969

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

Maybe you should read this thread... https://www.bogleheads.org/forum/viewtopic.php?f=2&t=164281&newpost=2467780 That thread talks more about assets than debt. How to treat income and whatnot. When neither spouse is in debt, pooling income seems like a no-brainer to me. But pooling debt is ...
by cheese_breath
Thu Apr 23, 2015 7:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Co-sign on spouse's student loans?
Replies: 28
Views: 1452

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

Maybe you should read this thread... https://www.bogleheads.org/forum/viewtopic.php?f=2&t=164281&newpost=2467780 That thread talks more about assets than debt. How to treat income and whatnot. When neither spouse is in debt, pooling income seems like a no-brainer to me. But pooling debt is ...
by cheese_breath
Thu Apr 23, 2015 6:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Co-sign on spouse's student loans?
Replies: 28
Views: 1452

Re: What is a Boglehead?

Thrifty dedicated investor.
by cheese_breath
Thu Apr 23, 2015 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: What is a Boglehead?
Replies: 38
Views: 1590

Re: Marriage and splitting expenses

mptfan wrote:
lowerleisureclass wrote: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.

But you should be naming each other as primary beneficiaries unless you both agree on someone else.
by cheese_breath
Thu Apr 23, 2015 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 100
Views: 5156

Re: Should I paint the house next door?

A couple of years ago I was hired by my co-worker (who does landscaping on the side) to paint a house. I assumed that the owner of this house was the one who asked for this to be done, but I found out later that I was actually painting my co-worker's next-door-neighbor's house (unbeknownst to the n...
by cheese_breath
Thu Apr 23, 2015 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I paint the house next door?
Replies: 17
Views: 2212

Re: Marriage and splitting expenses

... And how does this "my money" and "your money'" work with a stay at home parent, or one spouse/partner working very part time... Maybe (s)he should unionize and strike for better benefits. It does seem to be a business arrangement rather than a partnership after all. Hmmm.......
by cheese_breath
Thu Apr 23, 2015 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 100
Views: 5156

Re: Is this a reasonable request for broker?

Unless he's part of a big brokerage firm that has it's own IT people I suspect it would be as difficult for him as it is for you. But you're the client so I don't see how it could hurt to ask. How big is your account? The more you have invested with him the more likely he is to put in the extra effo...
by cheese_breath
Thu Apr 23, 2015 3:20 pm
 
Forum: Personal Consumer Issues
Topic: Is this a reasonable request for broker?
Replies: 13
Views: 1053

Re: Marriage and splitting expenses

ResearchMed wrote:... And how does this "my money" and "your money'" work with a stay at home parent, or one spouse/partner working very part time...

Maybe (s)he should unionize and strike for better benefits. It does seem to be a business arrangement rather than a partnership after all.
by cheese_breath
Thu Apr 23, 2015 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 100
Views: 5156

Re: Giving Vanguard VTSMX as a Wedding Gift

alpenglow wrote:I had BRK.A on my registry, but it didn't pan out.

Too expensive. You should have asked for a toaster. :D
by cheese_breath
Thu Apr 23, 2015 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Giving Vanguard VTSMX as a Wedding Gift
Replies: 33
Views: 2190

Re: Giving Vanguard VTSMX as a Wedding Gift

You have got to be kidding. Only if it's on the wedding registry. I can't think of a more impersonal gift. A do it yourself prenuptial agreement guide might be more impersonal. :D But hopefully you'd give this before the wedding (maybe at the wedding shower?) so it's not technically a wedding gift....
by cheese_breath
Thu Apr 23, 2015 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Giving Vanguard VTSMX as a Wedding Gift
Replies: 33
Views: 2190

Re: Marriage and splitting expenses

Trying not to be offended by the comments that if people don't wallow in the same bank account they are headed for divorce court. I suspect the wallowers are young, or got married young. Those of us who prefer some independence, I suspect, have seen more, learned some. The only one here with an off...
by cheese_breath
Thu Apr 23, 2015 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 100
Views: 5156

Re: Marriage and splitting expenses

Trying not to be offended by the comments that if people don't wallow in the same bank account they are headed for divorce court. I suspect the wallowers are young, or got married young. Those of us who prefer some independence, I suspect, have seen more, learned some. 74 year old wallower here wit...
by cheese_breath
Thu Apr 23, 2015 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 100
Views: 5156

Re: cleaning plastic eyeglass lenses

For a quick dusting I'll just use a soft cotton cloth. But for smudges I use Zeiss wipes I get at Walmart.
by cheese_breath
Thu Apr 23, 2015 8:48 am
 
Forum: Personal Consumer Issues
Topic: cleaning plastic eyeglass lenses
Replies: 30
Views: 1355

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 cheese_breath
Thu Apr 23, 2015 7:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 100
Views: 5156

Re: Giving Vanguard VTSMX as a Wedding Gift

You have got to be kidding. Only if it's on the wedding registry. I can't think of a more impersonal gift.
by cheese_breath
Thu Apr 23, 2015 12:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Giving Vanguard VTSMX as a Wedding Gift
Replies: 33
Views: 2190

Re: Marriage and splitting expenses

Maybe privacy was the wrong word to use -- it's not secrecy. Just in the same way that having separate e-mail accounts, or having separate hobbies are healthy, I think it's important to have some financial freedom of our own. I'd like to be able to buy gifts for my spouse without them seeing it app...
by cheese_breath
Thu Apr 23, 2015 12:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 100
Views: 5156

Re: Marriage and splitting expenses

Seems like expenses are well below income here. How about: 1. both contribute the maximum to 401k, IRA, etc 2. combine the remaining assets (after taxes, etc) 3. Spend what needs to be spent 4. Save what isn't spent. What does your spouse want? I think we're a little wary of fully combining assets ...
by cheese_breath
Wed Apr 22, 2015 11:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 100
Views: 5156

Re: Individual Stocks vs ETFs - which one is better and why?

investingnoob2015 wrote:...it's hard to not be a part of those gains....

It's even harder to be a part of those gains. You're just as likely to experience large losses as large gains. With diversified ETFs or mutual funds the gains aren't as high, but neither are the losses.
by cheese_breath
Wed Apr 22, 2015 11:43 pm
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks vs ETFs - which one is better and why?
Replies: 9
Views: 720

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.
by cheese_breath
Wed Apr 22, 2015 11:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 100
Views: 5156

Re: 72 year old converting traditional IRA to a roth?>

Yes. There is no age limit on converting IRAs to Roths. But he must take his RMD first, and the RMD cannot be converted to a Roth.
by cheese_breath
Wed Apr 22, 2015 10:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: 72 year old converting traditional IRA to a roth?>
Replies: 3
Views: 400

Re: Should I paint the house next door?

How badly do you want to sell, and how quickly? People with houses in the condition you describe frequently ignore HOAs and code enforcement agents, and even if they are eventually compelled to address the problem a considerable amount of time may pass before that happens. And if it does come down t...
by cheese_breath
Wed Apr 22, 2015 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I paint the house next door?
Replies: 17
Views: 2212

Re: Withdrawal order in retirement ?

I was just going to ask that question too. Cheese breath wrote: The easy answer is spend the taxable first so the deferred accounts can to continue earning more tax deferred, and the Roths can continue earning more tax free. Then spend the deferred and allow the Roths to continue earning even more ...
by cheese_breath
Wed Apr 22, 2015 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Withdrawal order in retirement ?
Replies: 12
Views: 1014

Re: Foreign currency accounts for diversification?

I'd rather get my diversification in international stock funds that include many countries than in currency deposits in one or two foreign banks. I had actually considered doing this in Australia couple years ago when AU CDs were paying more than twice US CDs and the AU dollar was on a par with the ...
by cheese_breath
Wed Apr 22, 2015 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Foreign currency accounts for diversification?
Replies: 18
Views: 728

Re: Withdrawal order in retirement ?

The easy answer is spend the taxable first so the deferred accounts can to continue earning more tax deferred, and the Roths can continue earning more tax free. Then spend the deferred and allow the Roths to continue earning even more tax free. Lastly spend the Roths. But the easy answer isn't alway...
by cheese_breath
Wed Apr 22, 2015 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Withdrawal order in retirement ?
Replies: 12
Views: 1014

Re: the next 10 years

I think what it means is if you're still accumulating for the long term the next ten years will be a great buying opportunity. But if you're retired and living off your investments things may get a little tight.
by cheese_breath
Wed Apr 22, 2015 7:55 am
 
Forum: Investing - Help with Personal Investments
Topic: the next 10 years
Replies: 3
Views: 580

Re: Wife would like employment advice from the Bogleheads

I don't have much to add to the comments already offered except don't let loyalty to the current employer sway her decision. In today's world she cannot count on that being reciprocated. An employer will always make whatever decisions are best for the company (in this case hospital), even if they ne...
by cheese_breath
Tue Apr 21, 2015 11:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife would like employment advice from the Bogleheads
Replies: 31
Views: 2896

Re: Need advice for buying a blu ray player

Look at LG if you have any PAL DVDs you might still want to play. Does everything you want and was the only reasonable priced blu ray player that also played PAL when I bought mine 2 years ago.
by cheese_breath
Tue Apr 21, 2015 6:03 pm
 
Forum: Personal Consumer Issues
Topic: Need advice for buying a blu ray player
Replies: 15
Views: 821

Re: Taking Care Of Leaves

....I don't mind mulching some of the leaves, but I do feel like I shouldn't mulch all of them due to the quantity.... I don't understand. From my perspective the more the better. I just rake them all out of the bushes and mulch them with my mower. So the ground may look a little brown from all the...
by cheese_breath
Tue Apr 21, 2015 5:53 pm
 
Forum: Personal Consumer Issues
Topic: Taking Care Of Leaves
Replies: 18
Views: 1269

Re: "How much of your portfolio is in index funds, and why?"

All of our stocks (a little over 30% of the total portfolio) are in index funds. The rest is in TIAA Traditional except for a little cash.

The why is because I'm 74 and feel about 30%-35% is an appropriate stock AA for my age.
by cheese_breath
Tue Apr 21, 2015 5:44 pm
 
Forum: Investing - Theory, News & General
Topic: "How much of your portfolio is in index funds, and why?"
Replies: 56
Views: 4898

Re: House vs Condo vs Keep Renting

..... Given my disability, I like the low maintenance lifestyle of a condo..... With a condo you're still responsible for maintaining the inside unless you want it to deteriorate into a hovel. You will have to hire people for repairs and emergencies instead of just phoning the apartment super. .......
by cheese_breath
Mon Apr 20, 2015 10:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: House vs Condo vs Keep Renting
Replies: 7
Views: 720

Re: Question? Invest home deposit in funds?

If you need $115K to close at least that amount should be kept in your money market or moved to a FDIC insured savings account paying about 1%. More information is needed about your overall financial picture before offering opinions on what to do with the rest.
by cheese_breath
Mon Apr 20, 2015 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question? Invest home deposit in funds?
Replies: 4
Views: 156

Re: Can SiriusXM Radio damage my credit rating?

Why would you even think about not paying a bill you admit you owe? Well, see I never technically "used" the service. I haven't tuned to a satellite station in months. It is very different than many other bills. For example, with electricity and gas, there are quantifiable and finite enti...
by cheese_breath
Mon Apr 20, 2015 4:43 pm
 
Forum: Personal Consumer Issues
Topic: Can SiriusXM Radio damage my credit rating?
Replies: 15
Views: 1014

Re: Can SiriusXM Radio damage my credit rating?

Why would you even think about not paying a bill you admit you owe?
by cheese_breath
Mon Apr 20, 2015 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Can SiriusXM Radio damage my credit rating?
Replies: 15
Views: 1014

Re: [Who is Ameriprise? Got invitation from a financial advi

A guy just moved into our neighborhood, indicates he is a financial advisor working for Ameriprise. He's started inviting the neighbors to his home for beer and wine tastings and I'd like to accept his invitation, but not interested in a hard sell. I'm not familiar with Ameriprise, are these folks ...
by cheese_breath
Mon Apr 20, 2015 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Who is Ameriprise? Got invitation from a financial advisor]
Replies: 32
Views: 2822

Re: Roof shingle selection

If architectural shingles are a fad they're a long lasting one. Just about every house in our sub has them. We redid our roof in 2002 with Owens-Corning architectural, and they are holding up very well in the harsh MI winters. There are several good brands available so IMO you would do well to avoid...
by cheese_breath
Mon Apr 20, 2015 7:21 am
 
Forum: Personal Consumer Issues
Topic: Roof shingle selection
Replies: 16
Views: 1353

Re: Marginal benefit of spending more on car

It all depends on what you want and need out of the car. Personally I've always considered transportation to be the purpose of a car and avoided the expensive bells and whistles that may be nice and draw the neighbor's envy, but don't contribute to the basic purpose of transportation. GM isn't going...
by cheese_breath
Sun Apr 19, 2015 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Marginal benefit of spending more on car
Replies: 67
Views: 4618

Re: Anyone had the Personal Capital complementary review yet

I have my 1-hr review in two weeks (after having an initial 20 minute conversation where the FA wanted to learn a bit more about me). Part of me doesn't want to waste their time but the other part of me likes to learn new things even if those things aren't really my cup of tea. I had a managed acco...
by cheese_breath
Sun Apr 19, 2015 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone had the Personal Capital complementary review yet?
Replies: 15
Views: 2182

Re: New HVAC

How bad would you be if you had to live without heat or cooling for awhile? A failed furnace in Minnesota or A/C in Texas would probably be considered an emergency, and you may have to pay a premium to get a replacement ASAP. OTOH there may be other parts of the country where you might be willing to...
by cheese_breath
Sat Apr 18, 2015 9:37 pm
 
Forum: Personal Consumer Issues
Topic: New HVAC
Replies: 21
Views: 1509
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