Bogleheads.org

stan1 wrote:How about a ring? If that's not enough, I'd suggest something that will have a lot of sentimental value/symbolism -- but is low cost (such as a reminder of where you first met, your first date, a family heirloom your mother is willing to part with, etc.)

NICE!

Currently I have been staying the course, but have been considering switching Wellesley to Wellington. But then I think as interest rates go up stocks may come down so hence the conundrum? If I had a 10 year look ahead I think the switch might be negligible.

Sam

livesoft wrote:Once again, Investing is not the same as Consumption.

I am not investing for investing's sake. I am investing so that I have lots more money to spend.

+1
Sam

Ged wrote:Depends on the life stage of the Boglehead. Prior to achieving his number it's a frugal good bang for the money car like the Honda Fit.

After achieving his number it's a more of a consumption choice. Mine was an Acura TL.

+1

Sam

Your blower motor may have 2-5 speed taps. See if relay picks up (works) the higher tap when in cool mode. If it does try another tap. The evaporator could be icing up due to insufficient freon.

Sam

I knew I wanted to be free of forces outside of my control. Financial freedom provides for much of that.

Sam (age 69 retired 10 years)

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

Sam

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

Sam

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...

reference

Soon to be locked....

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

Sam

Jumping into my time machine and will let everyone know when I get back from June 2013.

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

Sam

You decide,

Sam


http://en.wikipedia.org/wiki/David_Stockman

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

Keith

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....

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

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

Sam

DON"T DO IT!

you'll only suffer buyers remorse

Sam

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 ...

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....

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

Are taxes due if held in tax deferred account?

thanks
Sam

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

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...

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...

BHCadet wrote:

TheGreyingDuke wrote:

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

+1

Munchkin Man,

Welcome back and congrats to you.

Sam

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

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

Sam

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

I too, remember a physical that was quite thorough (cough!) . 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

I wonder what the comment on Wellesley Fund might be?

Sam

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

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

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...

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

Thanks
Sam

$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

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

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 ...

reference

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...

I remember it well, stay the course!

regards
Sam

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
Sam
P.S.I received for a gift, many,............. many years ago

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

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