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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: 78
Views: 6948

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: 2464

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: 129
Views: 5156

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: 4456

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: 3582

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: 3319

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: 966

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: 6032

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: 914

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: 641

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: 641

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: 2741

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: 2741

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: 5299

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: 2479

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: 1224

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: 5549

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: 1510

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: 1582

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: 101
Views: 7788

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: 1693

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: 1693

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: 1720

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: 9486

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: 9982

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: 217
Views: 16536

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: 943

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: 4394

Re: Enough retirement income to avoid Medicaid

IF you don't want subsidy at all of course you can pay full price. Well, apparently that is what the OP wants to do and this whole thread is about him mistakenly thinking that the law would not let him do that unless he could establish that his income was above the max., a situation that seems unli...
by gerrym51
Fri Aug 22, 2014 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Enough retirement income to avoid Medicaid
Replies: 30
Views: 3026

Re: someone who claimed at 62 got an 8% increase this year

I started at 62 then 3 months later they increased me by 6 dollars. said it was done wrong originally.
by gerrym51
Fri Aug 22, 2014 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: someone who claimed at 62 got an 8% increase this year
Replies: 26
Views: 3112

Re: Enough retirement income to avoid Medicaid

if you are going to meet the requirement of having insurance and the only option you have is going thru Obamacare plan you don't have a choice. if your income puts you below the medicaid minimum you get medicaid. you don't have a choice. in states that did not expand medicaid you actually get nothi...
by gerrym51
Fri Aug 22, 2014 6:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Enough retirement income to avoid Medicaid
Replies: 30
Views: 3026

Re: Enough retirement income to avoid Medicaid

if you are going to meet the requirement of having insurance and the only option you have is going thru Obamacare plan you don't have a choice. if your income puts you below the medicaid minimum you get medicaid. you don't have a choice. in states that did not expand medicaid you actually get nothing.
by gerrym51
Fri Aug 22, 2014 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Enough retirement income to avoid Medicaid
Replies: 30
Views: 3026

Re: Enough retirement income to avoid Medicaid

I have a non-subsidized ACA plan. wife is on medicare.
by gerrym51
Thu Aug 21, 2014 8:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Enough retirement income to avoid Medicaid
Replies: 30
Views: 3026

Re: POLL: Age for Collecting Social Security Benefits

The Wizard wrote:
gerrym51 wrote:took at 62 for reasons expounded on in my previous-and denounced posts. you'll have search if you want to know. :mrgreen:

Good. :)
Sound's like with the passage of time we've brought you around to seeing things more clearly...



threatening of banishment from forum does that for you. :mrgreen:
by gerrym51
Wed Aug 20, 2014 9:49 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 7497

Re: Vanguard Lost My Account

i have brokerage houses to deal with. I get e-mails for all transactions with my accounts. you do have to have e-mail enabled and tell the brokers what e-mails you want
by gerrym51
Tue Aug 19, 2014 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10485

Re: POLL: Age for Collecting Social Security Benefits

took at 62 for reasons expounded on in my previous-and denounced posts. you'll have search if you want to know. :mrgreen:
by gerrym51
Tue Aug 19, 2014 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 7497

Re: Options on Watching NFL Games

you can now buy nfl sunday ticket for online computer. its from att that bought dish network

i meant direct tv-


https://support.directv.com/app/answers ... ket-max%3F
by gerrym51
Sun Aug 17, 2014 7:51 pm
 
Forum: Personal Consumer Issues
Topic: Options on Watching NFL Games
Replies: 22
Views: 1637

Re: Vanguard Lost My Account

I've been re-thinking my earlier post. perhaps Vanguard has a security program in place that 'automatically' locks out an account that it deems is trying to be hacked. Think about it -no human being could react fast to an online assault.24 hours a day the system probably locks out account-and then a...
by gerrym51
Sat Aug 16, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10485

Re: Vanguard Lost My Account

VANGUARD RESPONDS: A security person from Vanguard called me back this afternoon. They, Vanguard Security, had locked down my account because someone had accessed the account and was not me. Therefore, they had totally blocked the account from view for me and from their internal staff until they co...
by gerrym51
Sat Aug 16, 2014 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10485

Re: Where do you store your important documents?

copies of everything in my wife's desk. originals of everything in a bank safety deposit box.
by gerrym51
Fri Aug 15, 2014 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do you store your important documents?
Replies: 38
Views: 3282

Re: Vanguard Lost My Account

delete
by gerrym51
Thu Aug 14, 2014 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10485

Re: Why is Bank of America so hated?

We have been with BOA for many years since they bought our bank many years ago, other than that there cd and account rates stink i can't say anything bad about their other functions. we have moved mucho dollars to other institutions with higher rates but we still use them as our prime account for ch...
by gerrym51
Wed Aug 13, 2014 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why is Bank of America so hated?
Replies: 43
Views: 2450

Re: How do you address your inlaws and being addressed?

i'm first name basis both ways. grampy and meema(or grammy)
only for grandchildren.
by gerrym51
Mon Aug 11, 2014 1:32 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4756

Re: Most Hated Brokerage Firm?

Merrill-edge or lynch or whatever they call themselves now
by gerrym51
Sun Aug 10, 2014 5:33 pm
 
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 74
Views: 7502

Re: MAGI for Medicare Rates

are you talking about this-


http://www.ssa.gov/pubs/EN-05-10536.pdf
by gerrym51
Sun Aug 10, 2014 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: MAGI for Medicare Rates
Replies: 36
Views: 1847

Re: 3.3% Vanguard 10 year CD

in 10 years when it matures, god willing I will take interest and spend it and reinvest the principle [sic] The interest is paid out every six months. i have a variety of brokered cd's that pay out monthly,6mos,and 12 months. i sweep the interest back into my checking acoount every 2 months care to...
by gerrym51
Sun Aug 10, 2014 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 99
Views: 9982

Re: 3.3% Vanguard 10 year CD

Langkawi wrote:
ArthurO wrote:in 10 years when it matures, god willing I will take interest and spend it and reinvest the principle [sic]

The interest is paid out every six months.



i have a variety of brokered cd's that pay out monthly,6mos,and 12 months. i sweep the interest back into my checking acoount every 2 months
by gerrym51
Sat Aug 09, 2014 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 99
Views: 9982

Re: 3.3% Vanguard 10 year CD

denovo wrote:10 yr tbond has a 2.52 rate. 3.3 isn't a large enough premium for a 10 year commitment, depending on what the penalty is for cancellation.



this is why i suggest search old posts. Brokered CD's are fdic insured bonds. other than the fdic insurance they work like bonds
by gerrym51
Sat Aug 09, 2014 4:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 99
Views: 9982

Re: 3.3% Vanguard 10 year CD

every couple of months we get a post like this. then the usual people-including me respond. you should search brokered cd's on this website. you'll find a gazillion posts about the pro's and con's of brokered cd's. :mrgreen: I assume you know you can't break them and lose some interest like a regula...
by gerrym51
Sat Aug 09, 2014 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 99
Views: 9982

Re: Need Advice-Target 2025 Fund

I have this-trrbx-2020 fund. if i was younger i would look at 2025 version



http://quotes.morningstar.com/fund/trrbx/f?t=TRRBX
by gerrym51
Fri Aug 08, 2014 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice-Target 2025 Fund
Replies: 10
Views: 911
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