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Re: Early SS or Higher IRA Withdrawal??

I would revisit this issue when you are 60. who knows what will happen
by gerrym51
Thu Oct 30, 2014 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Early SS or Higher IRA Withdrawal??
Replies: 19
Views: 1504

Re: Leave Bank of America and give up perks?

We have BOA and when our 4 and 5 percent CD's expired last year we suddenly had a lot at BOA earning 0.1 percent.

We established a taxable account at fidelity and moved 2/3 of the money to their brokered CD's. to avoid liquidity issues we bought a string of CD's from 2 years to 10 years.
by gerrym51
Tue Oct 28, 2014 5:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leave Bank of America and give up perks?
Replies: 9
Views: 1012

Re: How did you buy your largest home?

built a 4 bedroom colonial. got divorced a year later. Sold for 100,000 profit (market was booming) 2 years after that would have sold at loss. who knew?
by gerrym51
Sat Oct 25, 2014 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you buy your largest home?
Replies: 25
Views: 2650

Re: Anyone cancelling travel plans?

my wife and I went to disney world 6 weeks after sept 11 2001. place was empty(relativly for wdw). had a great titme
by gerrym51
Sat Oct 18, 2014 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6323

Re: Anyone cancelling travel plans?

ask us again in 2 weeks
by gerrym51
Sat Oct 18, 2014 11:27 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6323

Re: Health Insurance - Retiree questions

Ugh, I was hoping it wouldn't be too complicated. Thanks for all your responses. I wasn't expecting health insurance to be so expensive. btw, are those costs for a single person or family plan? Also, You suggested contacting an agent. Is there a website for these agents? thanks again for all the fe...
by gerrym51
Fri Oct 17, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - Retiree questions
Replies: 12
Views: 1546

Re: Vegas Vacation!

cirque de soleil shows/ i've seen several all great
by gerrym51
Thu Oct 16, 2014 11:29 pm
 
Forum: Personal Consumer Issues
Topic: Vegas Vacation!
Replies: 50
Views: 3823

Re: Your personal risk level: Got your flu shot yet?

I'm a pharmacist and i give flu shots. I never get one myself. what can i say :oops:
by gerrym51
Thu Oct 16, 2014 9:50 am
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3005

Re: So do we care more about change in bond price or bond yi

if you own individual bonds-or brokered CD's-or term limited bond fund-then an increase in nav is a good thing if you want to sell. i posees a term limited bond fund and it has been going up like crazy latelly. when i bought it last year and bond navs were going down it gave me agita. who knows
by gerrym51
Wed Oct 15, 2014 9:07 pm
 
Forum: Investing - Theory, News & General
Topic: So do we care more about change in bond price or bond yield?
Replies: 178
Views: 13432

Re: What are you up YTD?

my point on posting on this thread again was not to get anybody to actually tell-just that what goes up sometimes comes down :mrgreen:
by gerrym51
Mon Oct 13, 2014 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 169
Views: 13579

Re: What are you up YTD?

Tanelorn wrote:
Tanelorn wrote:Play money account (100% stocks), up 38% YTD. It's more fun to track than the boring stuff.

Now 44%. Some stocks are short.


what is a play money account?
by gerrym51
Mon Oct 13, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 169
Views: 13579

Re: What are you up YTD?

InvestorNewb wrote:Please share your asset allocation and what you are up (or down) YTD in the format below.

Here are my stats:

Stocks: 100%
Bonds: -

Up: 10%



Just wondering what your year to date is now?
by gerrym51
Mon Oct 13, 2014 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 169
Views: 13579

Re: Health Insurance - Retiree questions

Ugh, I was hoping it wouldn't be too complicated. Thanks for all your responses. I wasn't expecting health insurance to be so expensive. btw, are those costs for a single person or family plan? Also, You suggested contacting an agent. Is there a website for these agents? thanks again for all the fe...
by gerrym51
Mon Oct 13, 2014 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - Retiree questions
Replies: 12
Views: 1546

Re: Health Insurance - Retiree questions

I'm not 65 yet. I pay 550 a month for my health insurance-as a single.my wife is on medicare

my plan is an Obmacare plan. I get no subsidy. Unless you fall within lower income ranges insurance is expensive.
by gerrym51
Mon Oct 13, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - Retiree questions
Replies: 12
Views: 1546

Re: Relocating to a tax free state with good weather need ad

the southwest does have water issues. I suggest South Carolina. i don't know if tax free but it's where i would move if i was going to move.
by gerrym51
Sun Oct 12, 2014 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3624

Re: today's WSJ page 1...interesting

Please don't post links to paywall sites. I can only read the first 3 sentences and NO I don't want to subscribe to the WSJ. You may want to go to incognito mode and google the title - this may get you a link that Bogleheads can read. you read the title of the article on wsj page. then you google W...
by gerrym51
Wed Oct 08, 2014 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: today's WSJ page 1...interesting
Replies: 22
Views: 3284

Re: Critically Acclaimed Movies you did not like

the King's Speech
by gerrym51
Sun Oct 05, 2014 8:42 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8273

Re: Do you deviate from the BH philosophy?

yes i do. all funds i have cost between .6 and point .8 :mrgreen:
by gerrym51
Thu Oct 02, 2014 5:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 64
Views: 3856

Re: Why not 100% CD's?

a 3 percent 5 year cd is not just around the corner. rates have been stagnant-with a few 'special rate teasers' occuring -for about a year
by gerrym51
Fri Sep 26, 2014 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not 100% CD's?
Replies: 73
Views: 5264

Re: Medicare Advantage Plan.....Stay or Go?

have you priced one of the letter plans. although the wife has an excellent Mediacre advantage plan the price has been going up. so i priced the best medicare letter plan for my state-in massachusetts we only have 2-core and core plus. the price for this plus a part d plan was about comparable to th...
by gerrym51
Tue Sep 23, 2014 10:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage Plan.....Stay or Go?
Replies: 14
Views: 1185

Re: Part D Sticker Shock

My wife and I both received the 2015 information for our Medicare Part D plans. Wife's Humana Enhanced plan premium increases from $45.60 to $49.30, retaining the zero deductible. Not too bad. OTOH, my WellCare Classic plan premium increases from $16.10 to $29.80, and the deductible increases from ...
by gerrym51
Fri Sep 19, 2014 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: [Medicare] Part D Sticker Shock
Replies: 21
Views: 2311

Re: Feeling smug until 10 year ROR from Vanguard

My fund which i've owned over 10 years is 7.76 10 year rate of return :mrgreen:
by gerrym51
Sat Sep 13, 2014 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7783

Re: Need advice on which tablet to buy

get a kindle fire. it does web browsing and already will work with prime. I have one
by gerrym51
Fri Sep 12, 2014 3:28 pm
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 44
Views: 2677

Re: Good Modern Science Fiction

Harry Dresden novels. I started number 1 2 months ago and know have completed all 15.


Harry dresden/detective/practicing wizzard.



The Dresden Files
by gerrym51
Thu Sep 11, 2014 4:22 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 131
Views: 6004

Re: Costco vs Amazon?

Purchasing milk throughout the year saves us our entire membership fee and then more. Milk is .75 to 1.00 dollar cheaper at Costco than any of the other local grocery stores. And the good thing about this is you don't buy it in bulk. Other items that we tend to purchase there include apples (fruit)...
by gerrym51
Thu Sep 11, 2014 10:45 am
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4819

Re: Where can I get a [toddler-friendly weekend] job? Update

well since it's a part time job you can easily quit it if it does not work out. won't know until you try
by gerrym51
Wed Sep 10, 2014 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where can I get a [toddler-friendly weekend] job? Update
Replies: 33
Views: 3710

Re: Buying CDs

i suggest you search this site on brokered cd's. you'll find a gazillion posts
by gerrym51
Wed Sep 10, 2014 12:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying CDs
Replies: 30
Views: 3574

Re: Question about Jonathan Clements's article on rebalancin

I don't pretend that i know anything really about picking financial stuff. I have the bulk of my money in 2 target date funds. let them worry about rebalancing.
by gerrym51
Sun Sep 07, 2014 5:09 pm
 
Forum: Investing - Theory, News & General
Topic: Question about Jonathan Clements's article on rebalancing
Replies: 8
Views: 981

Re: Peter Lynch was wrong

Peter Lynch prospered in a different era.
by gerrym51
Fri Sep 05, 2014 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: Peter Lynch was wrong
Replies: 64
Views: 6215

Re: Bond Bubble?

a year ago bonds were sinking-now it's a bubble-what can you say :mrgreen:
by gerrym51
Fri Aug 29, 2014 4:23 pm
 
Forum: Investing - Theory, News & General
Topic: Bond Bubble?
Replies: 10
Views: 926

Re: is a target date fund considered indexed

most of the posts seem to agree with me that i am not indexed-thanks
by gerrym51
Fri Aug 29, 2014 4:21 pm
 
Forum: Investing - Theory, News & General
Topic: is a target date fund considered indexed
Replies: 11
Views: 685

is a target date fund considered indexed

On another thread someone questioned my comment about having no index funds -just target date funds. I have 2 TRRBX and a proprietary date fund.


should i consider this or these indexed or not. just wondering.
by gerrym51
Fri Aug 29, 2014 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: is a target date fund considered indexed
Replies: 11
Views: 685

Re: Poll: How many own zero/few stocks?

I'm in no index funds. Got 2 target date funds Interesting that you make that distinction... I'd consider you 100% in index funds. index funds are tied to some kind of index. although i can look at the components of my main fund trrbx-it holds underlying funds that are managed and not managed- this...
by gerrym51
Fri Aug 29, 2014 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 68
Views: 2808

Re: Poll: How many own zero/few stocks?

I'm in no index funds. Got 2 target date funds
by gerrym51
Fri Aug 29, 2014 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 68
Views: 2808

Re: Only need $315k non-retirement $ to retire at Age 43?

it would be a gamble"Gambler". sorry could't resist :mrgreen:
by gerrym51
Thu Aug 28, 2014 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Only need $315k non-retirement $ to retire at Age 43?
Replies: 36
Views: 5416

Re: Trying to understand the 1040 Tax Table

our goal in retirement is always to stay in 15 percent tax bracket(always have too much income for 10 percent) we always arrange to stay outof 25 percent so only interested in 25 percent threshold
by gerrym51
Thu Aug 28, 2014 8:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2524

Re: How do you usually pay for something under $5?

if it's a convenient place for credit card i use my cash back card. only if not do i use cash
by gerrym51
Wed Aug 27, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you usually pay for something under $5?
Replies: 28
Views: 1320

Re: Municipal bonds 1y returns - exuberance and caution

I bought a term limited municipal bond fund in may 2013. the Nav promptly went into the tank as all bonds in that time period. Nav 9.99 when i bought and went to 9.25 in the space of 2 months. It's back to 9.99 and for a couple days last week was at 10.01. who knows.
by gerrym51
Wed Aug 27, 2014 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: Municipal bonds 1y returns - exuberance and caution
Replies: 56
Views: 6292

Re: Interest rates, Bonds and Fed

Brokered CD's are bonds with guaranteed interest and principal safety. in every other way they are treated like bonds. if your willing to look at bonds this is a safe choice.
by gerrym51
Wed Aug 27, 2014 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: Interest rates, Bonds and Fed
Replies: 16
Views: 1640

Re: Ally Bank CD

search-you'll find a gazillion posts
by gerrym51
Wed Aug 27, 2014 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ally Bank CD
Replies: 12
Views: 1643

Re: What are you up YTD?

Please share your asset allocation and what you are up (or down) YTD in the format below. Here are my stats: Stocks: 100% Bonds: - Up: 10% Will you be starting a thread like this when you are down 10 percent for the year. :mrgreen: I remember the late ninties when i was up 30 percent 4 years in a r...
by gerrym51
Tue Aug 26, 2014 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 169
Views: 13579

Re: Should we invest or pay off mortgage ?

Thank you for your response. @Gerrym51 : Can you help me understand the merits behind your suggestion? :happy I was thinking I should enjoy the low interest rate for at least 5 years and then decide to refinance or pay off. @Watty : Great point. This is why the decision is not so straightforward or...
by gerrym51
Mon Aug 25, 2014 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should we invest or pay off mortgage ?
Replies: 15
Views: 1702

Re: Should we invest or pay off mortgage ?

i think before you do anything you should try to get a fixed rate mortgage
by gerrym51
Mon Aug 25, 2014 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should we invest or pay off mortgage ?
Replies: 15
Views: 1702

Re: Google Chrome vs. Firefox and Internet Explorer

I have amazon and use chrome 100 percent of the time. why not reset chrome to original settings. that might do it
by gerrym51
Sun Aug 24, 2014 5:36 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome vs. Firefox and Internet Explorer
Replies: 24
Views: 1766

Re: Zegna Suits

for a one time use no. I buy 8 dollar watches from Wal-mart. not the right demographic-lol
by gerrym51
Sun Aug 24, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 9874

Re: 3.3% Vanguard 10 year CD

I don't think has been mentioned yet in this thread, but you typically get a better deal buying the 10 year CD in the secondary market (rather than a new issue). For example, you can the 3.3% Syncrony Bank CD for about 3.45% yield to maturity if bought in the secondary market. You'd be buying at di...
by gerrym51
Sat Aug 23, 2014 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 99
Views: 10326

Re: I need "Ultra High Net Worth" investing advice please

Hire a lawyer that specialises in this. Probably will save you time and aggravation despite his fee.
by gerrym51
Sat Aug 23, 2014 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 225
Views: 19459

Re: Purchasing long term care insurance for relative

SoCalGal wrote:A question for the previous posters Longerprimer and teacher, why was Medicaid in home help or nursing homes not an option? Was a preference or your parents were not eligible?



medicaid in home help has just become really available in the last few years-at least in my state
by gerrym51
Sat Aug 23, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Purchasing long term care insurance for relative
Replies: 15
Views: 1003

Re: using the 15% tax bracket

Our goal is to never pay more than the 15 percent bracket. We are removing some money now from retirement accounts to use up gap of no taxes and get into 15 percent. this is to try to avoid more than 15 percent when we both have to takr RMd's. I have not figured out how to avoid all income tax.
by gerrym51
Sat Aug 23, 2014 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 42
Views: 4599
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