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Re: $550M Powerball Jackpot - take cash or annuity?

Cheap fantasy for $2, I'm all in!

Sam
by exoilman
Fri May 17, 2013 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: $600M Powerball Jackpot - take cash or annuity?
Replies: 86
Views: 4355

Re: Our Mr Bruce Steiner

FWIW, I will probably use him when I finalize some ongoing research.

Sam
by exoilman
Sat Apr 27, 2013 7:42 pm
 
Forum: Investing - Theory, News & General
Topic: Our Mr Bruce Steiner [Estate Planning: New Hazards]
Replies: 5
Views: 881

Re: Why are you a boglehead ???

I had boglehead traits prior to coming to this site. I come here to have those financial traits reinforced all the time. Now I enjoy the wisdom of the posters other than financial advice. My thinking in many areas has been influenced by some of the contributors here. I would't hesitate to PM them if...
by exoilman
Mon Apr 22, 2013 7:35 am
 
Forum: Investing - Theory, News & General
Topic: Why are you a boglehead ???
Replies: 60
Views: 3435

Re: Negotiating Real Estate Commission

reference
by exoilman
Wed Apr 17, 2013 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Negotiating Real Estate Commission
Replies: 21
Views: 1092

Re: NJ State Estate Tax

Ask your son how he feels about the extra tax burden.

Sam
by exoilman
Thu Apr 11, 2013 8:12 am
 
Forum: Investing - Help with Personal Investments
Topic: NJ State Estate Tax
Replies: 11
Views: 474

Re: Scientist Predicts 60% Market Collapse

Jumping into my time machine and will let everyone know when I get back from June 2013. :moneybag
by exoilman
Tue Apr 09, 2013 9:16 am
 
Forum: Investing - Theory, News & General
Topic: Scientist Predicts 60% Market Collapse
Replies: 28
Views: 3806

Re: Leaving equal inheritance value to all kids?

When we pass equal shares. While we are alive helping one more than the other. Hopefully it remains discrete.

Sam
by exoilman
Sun Apr 07, 2013 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Leaving equal inheritance value to all kids?
Replies: 71
Views: 3654

Re: Stockman Warns of Crash of Fed-Fueled Bubble Economy

umfundi wrote:Stockman is responding to a significant financial event: His new book is being published.

Keith

:sharebeer
by exoilman
Tue Apr 02, 2013 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: Stockman Warns of Crash of Fed-Fueled Bubble Economy
Replies: 20
Views: 1525

Re: CYPRUS BANKING CRISIS

I recall the U.S. having to raise FDIC insurance from 100K to 250K during the banking crises not that long ago. While not the same as a tax it was rushed through to prevent bank runs. Now there is CDAR or just spread monies to various banks as necessary. The insurance(250K) lasts to the end of 2013....
by exoilman
Tue Mar 26, 2013 8:24 am
 
Forum: Investing - Theory, News & General
Topic: Cyprus Banking Crisis
Replies: 26
Views: 1696

Re: Cheap Wall St Journal?

After many years of a full subscription to the WSJ I am only interested in Sat. only. I currently pick it up at local store but would prefer home delivery. Any clues as to where I can get this?

Sam
by exoilman
Mon Mar 25, 2013 8:51 am
 
Forum: Personal Consumer Issues
Topic: Cheap Wall St Journal?
Replies: 43
Views: 3582

Re: Hey, Vanguard has hired me!

I don't do surveys. I figure I'm surveyed everytime I'm on the internet. :happy

Sam
by exoilman
Sun Mar 24, 2013 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Hey, Vanguard has hired me! [Payment for taking survey]
Replies: 28
Views: 5406

Re: Why Can't I Bring Myself to Buy Me a Nice Watch?

DON"T DO IT!

you'll only suffer buyers remorse :sharebeer

Sam
by exoilman
Sat Mar 23, 2013 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Why Can't I Bring Myself to Buy Me a Nice Watch?
Replies: 160
Views: 8158

Re: I-Bonds - Good time to buy?

Do the I Bonds get a stepped up basis if passed to heirs? Is there a beneficiary option that one can name someone on it? The reason I ask is we would want the grandchildren to inherit. We currently own none and wish I bought when Mel said to "back up the truck" and I believe you could put ...
by exoilman
Sat Mar 23, 2013 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-Bonds - Good time to buy?
Replies: 12
Views: 1513

Re: Poll: Umbrella Insurance

I pay $200 and change for $2M in umbrella. Most of my assets are judgement proof (homestead, retirement accounts), but I wanted to protect against wage garnishment during my prime earning years. Are retirement accounts judgement proof? We live in NJ and 2/3 of our assets are in retirement accounts....
by exoilman
Fri Mar 15, 2013 8:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Umbrella Insurance
Replies: 34
Views: 2415

Re: K-1 tax question

Under the FAQ's was the question "Is any of the allocated income (UBTI) to tax exempt investors? The answer was not under current income tax laws. Also interesting was the there was a tax loss on the K-1 for 2012 but for me I actually made some money in a trade.

regards
Sam
by exoilman
Mon Mar 11, 2013 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: K-1 tax question
Replies: 6
Views: 508

K-1 tax question

Are taxes due if held in tax deferred account?

thanks
Sam
by exoilman
Sun Mar 10, 2013 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: K-1 tax question
Replies: 6
Views: 508

Re: Poll: Have you recently changed your bond duration?

Over the past nine months I reduced to the following all in tax deferred.

STIG 17%
Cash 17%
Tips Fund 33%
TBM 33%

I am very conserative and 20 months from 1st MRD

Sam
by exoilman
Fri Mar 08, 2013 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Poll: Have you recently changed your bond duration?
Replies: 66
Views: 4656

Re: Are you concerned....

I was born in the Depression; lived through WWII, Korea, Vietnam, Middle East wars; segregation; riots; a cold war with Russia and the Iron Curtain; Communism; Socialism; Fascism; 9/11; several recessions,; record stock lows; bond bubble; real estate bubble; collapsing economies around the world; T...
by exoilman
Thu Mar 07, 2013 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Are you concerned....
Replies: 32
Views: 2433

Irrational Exuberance?

I am not changing my IP but is this a repeat? Greenspan's comment was made on December 5, 1996 (emphasis added in excerpt): [...] Clearly, sustained low inflation implies less uncertainty about the future, and lower risk premiums imply higher prices of stocks and other earning assets. We can see tha...
by exoilman
Wed Mar 06, 2013 11:12 am
 
Forum: Investing - Theory, News & General
Topic: Irrational Exuberance?
Replies: 20
Views: 2042

Re: Pleated Pants Versus Flat Front Pants

BHCadet wrote:
TheGreyingDuke wrote:
biquet wrote:Flat fronts, no question. Pleats are an abomination.

+1 :sharebeer

:beer


:sharebeer
by exoilman
Tue Mar 05, 2013 11:22 am
 
Forum: Personal Consumer Issues
Topic: Pleated Pants Versus Flat Front Pants
Replies: 45
Views: 2518

Re: The Munchkin Man Diet

Munchkin Man,

Welcome back and congrats to you.

Sam
by exoilman
Mon Mar 04, 2013 9:54 am
 
Forum: Local Chapters and Bogleheads Community
Topic: The Munchkin Man Diet
Replies: 120
Views: 9521

Re: I'm new to the penny market, where to start?

Don't, but if you must a couple of hundred will save you a trip to a casino. I promise you, you will not get your money back unless you are lucky and don't go back! This also applies to casinos!

Sam
by exoilman
Mon Feb 25, 2013 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: I'm new to the penny market, where to start?
Replies: 52
Views: 3872

Re: Comfortable soft riding car

My aunts 1996 Lincoln town car (156K miles) still "floats" no matter the road conditions.

Sam
by exoilman
Sun Feb 24, 2013 9:14 am
 
Forum: Personal Consumer Issues
Topic: Comfortable soft riding car
Replies: 28
Views: 2549

Re: How to make it easier for spouse upon death

thanks for some great input. My wife will be getting some input from our Fidelity rep. He knows how I invest including all our Vanguard accounts. That along with my instructions for her to follow rebalancing etc.should work for us.


Sam
by exoilman
Sat Feb 23, 2013 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to make it easier for spouse upon death
Replies: 67
Views: 4390

Re: Explain "Wellness visit" versus "Annual physical"

I too, remember a physical that was quite thorough (cough!) :D . Now all referals to specialists. VIP doctors for the wealthy (10K+) and soon for medicare patients an annual "subscription" fee for access. (just guessing)

Sam
by exoilman
Thu Feb 21, 2013 6:10 pm
 
Forum: Personal Consumer Issues
Topic: Explain "Wellness visit" versus "Annual physical"
Replies: 42
Views: 2877

Re: Wellington Fund Bond Duration

I wonder what the comment on Wellesley Fund might be?

Sam
by exoilman
Sat Feb 16, 2013 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wellington Fund Bond Duration
Replies: 10
Views: 1001

Re: Gifting 2013 14K

Thanks for the replies and the additional discussions raised. But just to be sure, we can gift the 28K (to one individual) on one check because both our names are on the header?

regards
Sam
by exoilman
Wed Feb 13, 2013 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Gifting 2013 14K
Replies: 14
Views: 1138

Gifting 2013 14K

Can you write one check for 28K to an individual if both husband and wifes name is on the check header? Also if there is additional gifts to the same person is a Form 709 is required?

thanks
Sam
by exoilman
Sat Feb 09, 2013 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting 2013 14K
Replies: 14
Views: 1138

Re: Estate Planning Attorneys

Looking for recommendations in the NJ/NY area. Private messages only please. Thanks Sam Look for ones that don't advertise the sale of living trusts or promote them in seminars . Very much agree on this. I went to two and the lawyer clearly was convincing the attendees that they needed it even with...
by exoilman
Tue Feb 05, 2013 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Attorneys
Replies: 11
Views: 1245

Estate Planning Attorneys

Looking for recommendations in the NJ/NY area. Private messages only please.

Thanks
Sam
by exoilman
Tue Feb 05, 2013 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Attorneys
Replies: 11
Views: 1245

Re: Our cable bill is over $200 !!! WT*

$165/mo. (cablevision) for phone, internet, tv with HBO. I would like to lower the bill but value the service. We also get to go to movies for free on tuesdays or any time for $6 at clearview cinemas.

Sam
by exoilman
Tue Feb 05, 2013 11:17 am
 
Forum: Personal Consumer Issues
Topic: Our cable bill is over $200 !!!
Replies: 89
Views: 5753

Re: Turbotax Online vs Turbotax in the box

This will be my third year with the online version. I also let it link to my Fidelity accounts which is where all my taxable acct's are.

Sam
by exoilman
Mon Feb 04, 2013 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax Online vs Turbotax in the box
Replies: 31
Views: 3655

Re: A question for retirees/pre-retirees

I am 69 and have at least 8 years cash (along with pension and SS). My first MRD is due in < 2 years. I am retired 10 years and will soon be laddering at least 3-5 year out in cd's for MRD's. I will add to tips/TBM in tax deferred as/if interest rates rise. All of my MRD probably will not be needed ...
by exoilman
Sun Feb 03, 2013 2:43 pm
 
Forum: Investing - Theory, News & General
Topic: A question for retirees/pre-retirees
Replies: 25
Views: 1513

Re: An enviable problem?

I know exactly what you mean. The more you have the more you think you need. I found the concept of "enough" is the key. The 4mill can conservatively give you $150k+ of income per year for life + you own your own place - embrace "enough". +1, I retired 10 years ago after I decid...
by exoilman
Mon Jan 28, 2013 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: An enviable problem?
Replies: 30
Views: 2428

Re: Two Comma Club

I remember it well, stay the course! :sharebeer

regards
Sam
by exoilman
Thu Jan 24, 2013 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 187
Views: 17691

Re: Need Bourbon Advice

Thanks for the thoughtful replies. I will try a few bourbons and then decide. Every winter I do treat myself to Hennessey XO which is enjoyable, so for now I'll just keep it.

Happy Holidays :sharebeer
Sam
P.S.I received for a gift, many,............. many years ago
by exoilman
Mon Dec 24, 2012 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Need Bourbon Advice
Replies: 45
Views: 5647

Need Bourbon Advice

I have an unopened bottle of VXO Fitzgerald Bourbon. Its label says barrelled in 1955 and bottled in 1965. I never drank bourbon before and was wondering whether to drink (100 proof!) or see if a buyer would want it or just keep as a collector item?

Sam
by exoilman
Sat Dec 22, 2012 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Need Bourbon Advice
Replies: 45
Views: 5647

Re: "Late Bloomer Millionaires" -- A Gem

I don't agree with Ney. :twisted:
by exoilman
Wed Dec 19, 2012 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: "Late Bloomer Millionaires" -- A Gem
Replies: 41
Views: 6900

Re: "Late Bloomer Millionaires" -- A Gem

Do most of us watch investment porn for the same sanity-destroying reasons a man watches porn?

What about women? :shock:
by exoilman
Wed Dec 19, 2012 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: "Late Bloomer Millionaires" -- A Gem
Replies: 41
Views: 6900

Re: Adult Kids/Gifting

Our children were raised with delayed gratification. We see they show the same traits that they were raised with their children. So we continue the same process with them still. No strings attached.

Sam
by exoilman
Sat Dec 15, 2012 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Adult Kids/Gifting
Replies: 77
Views: 3773

Re: Vanguard My Watch List problems

Been trying for last two days :annoyed

Sam
by exoilman
Sat Dec 08, 2012 9:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard My Watch List problems
Replies: 10
Views: 990

Re: Taxable gifts

We gave one of our children 26K this year. It was written from our joint checking with both our names on it. On the memo line I wrote gift 2012, do I need to file any form with the government? We file jointly.

thanks
Sam
by exoilman
Mon Dec 03, 2012 11:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxable gifts
Replies: 13
Views: 499

Re: Taxable gifts

same post
by exoilman
Mon Dec 03, 2012 10:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxable gifts
Replies: 13
Views: 499

Taxable gifts

Overheard at a restaurant last night. "I paid off my daughters mtg.(>100K) to help her out. I asked if that required a gift form (709) to the government and his reply was that he paid the bank directly and didn't think so. He also claimed to not know of what I was talking about. I know that if ...
by exoilman
Mon Dec 03, 2012 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxable gifts
Replies: 13
Views: 499

Re: probate questions

reference
by exoilman
Fri Nov 23, 2012 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: probate questions
Replies: 23
Views: 1212
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