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Health Insurance for Military Veteran and Federal Retiree

I am seventy one and a military veteran. When I turned sixty-five, I signed up for Medicare A. I didn't sign up for Medicare B, however, since I was still working. On January 11 of this year, I retired from a federal agency and took with me my FEHB. I have an eight month window starting from the mon...
by gkaplan
Thu Aug 21, 2014 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Military Veteran and Federal Retiree
Replies: 0
Views: 28

Re: What Book Are You Currently Reading? Part V

I am about one hundred pages into W is for Wasted. I figure in about five years we'll know what Sue Grafton will be writing after "Z" is for ....

W is for Wasted takes place in 1988. It seems to me that A is for Alibi also took place in 1988.
by gkaplan
Wed Aug 20, 2014 10:03 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3200
Views: 1084008

When tax time comes again, can your portfolio cost you less?

Few things are certain in the world of investing, but taxes are one of them. And this time of year—roughly halfway between April 15 and the beginning of next year's "tax season"—is as good a time as any to think about how big a bite they can take out of your investment returns. John Kilro...
by gkaplan
Mon Aug 18, 2014 9:06 pm
 
Forum: Investing - Theory, News & General
Topic: When tax time comes again, can your portfolio cost you less?
Replies: 0
Views: 207

Re: Why no transaction alerts from Vanguard/others?

Vanguard emails me each time I make a financial transaction or any other kind of change to my account.
by gkaplan
Mon Aug 18, 2014 9:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why no transaction alerts from Vanguard/others?
Replies: 16
Views: 1213

Re: Daily Telegraph: World War One Archive

....If you watch 'Listen to Britain' you are watching one of the best pieces of propaganda ever made. The scene where the German refugee Soprano, Myra Hess, is singing to an audience including the Queen Mother in the National Gallery at lunchtime (the paintings were evacuated to underground shelter...
by gkaplan
Mon Aug 18, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: Daily Telegraph: World War One Archive
Replies: 89
Views: 5697

Re: Poll for 65+ Seniors

gkaplan wrote:I will be seventy in July. My asset allocation, as of 01/01/2013, was 68/32, equity-fixed income. My target allocation is 66/34, equity-fixed income.


In the eighteen months or so since I answered this poll, I changed my target allocation to 60/40, equity/fixed income.
by gkaplan
Sat Aug 16, 2014 10:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll for 65+ Seniors
Replies: 51
Views: 5697

Re: Do Private Company's have an advantage ?

Is Trader Joe's a private company? The employees in all the stores I've been in seem happy.
by gkaplan
Sat Aug 16, 2014 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: Do Private Company's have an advantage ?
Replies: 11
Views: 642

Re: Vanguard eliminates fee on FTSE All-World ex-US Small-Ca

Doc wrote:....Ask yourselves If EM continues to underperform developed over the next five years and this fund underperform its peer group will you be able to stay the course?


I haven't looked lately, but I believe my emerging markets fund (VEMAX) is my best performing fund year-to-date.
by gkaplan
Sat Aug 16, 2014 3:34 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard eliminates fee on FTSE All-World ex-US Small-Cap
Replies: 35
Views: 5127

Re: What Book Are You Currently Reading? Part V

I'm a little over a third through Death of a Fool by Ngaio Marsh. It's not one of her better efforts, in my opinion.
by gkaplan
Sat Aug 16, 2014 3:23 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3200
Views: 1084008

Re: Two days in Little Rock, AR - What to do and see?

Follow up from our trip: Clinton Library: This was our first presidential library so we weren't really sure what to expect .... [His] tenure as president was presented as though he were the messiah which kind of left us feeling dirty as we left the building.... You're going to find that in any muse...
by gkaplan
Sat Aug 16, 2014 3:16 pm
 
Forum: Personal Consumer Issues
Topic: Two days in Little Rock, AR - What to do and see?
Replies: 29
Views: 1430

Re: Flipping Houses

We had a related thread on this topic several weeks ago. Do a search.
by gkaplan
Sat Aug 16, 2014 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Flipping Houses
Replies: 5
Views: 777

Re: The Funniest Movie Ever

heartwood wrote:What's Up, Doc? with Ryan O'neil, Barbara Streisand, and Madeline Kahn

For me a literally laugh out loud, thigh slapping movie.


The court scene was hilarious; however, the car chase was a rip off from The Pink Panther.
by gkaplan
Sat Aug 16, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 227
Views: 14688

Re: Medical Alert System

Elwood wrote:All senior citizens should have Life Alert.


I think this is an over generalization.
by gkaplan
Fri Aug 15, 2014 7:31 pm
 
Forum: Personal Consumer Issues
Topic: Medical Alert System
Replies: 19
Views: 890

Re: Tangible vs Intangibles when choosing an investment comp

nisiprius wrote:....I can read any of the Vanguard articles with feeling queasy. Except maybe for the one about spam-your-friends.


nisiprius, I think you meant to say that you can read any of the Vanguard articles without feeling queasy, right?
by gkaplan
Fri Aug 15, 2014 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tangible vs Intangibles when choosing an investment company
Replies: 18
Views: 751

Re: Recommendation for ear buds/in ear headphones

I have been reluctant to use them. Don't they eventually affect one's hearing?
by gkaplan
Fri Aug 15, 2014 11:34 am
 
Forum: Personal Consumer Issues
Topic: Recommendation for ear buds/in ear headphones
Replies: 18
Views: 733

Re: The (un)freshness of Starbucks bakery products

I can count on one hand the number of times I have been inside a Starbucks.

As an aside, a good friend of mine who is a coffee aficionado swears by Peet's coffee.
by gkaplan
Fri Aug 15, 2014 11:33 am
 
Forum: Personal Consumer Issues
Topic: The (un)freshness of Starbucks bakery products
Replies: 49
Views: 4349

Re: Can a single investor influence the market?

Don't forget the Duke brothers.
by gkaplan
Wed Aug 13, 2014 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: Can a single investor influence the market?
Replies: 20
Views: 1718

Re: Robin Williams

Personally, Lauren Bacall's death affects me more. It's the passing of an era. Humphrey Bogart was one of my favorite actors, and Lauren Bacall and he had a special relationship and together made several unforgettable films.
by gkaplan
Tue Aug 12, 2014 11:24 pm
 
Forum: Personal Consumer Issues
Topic: Robin Williams
Replies: 42
Views: 4613

Vanguard:"Social Security: How to decide when it's time."

It's a question every American faces sooner or later: "When should I start taking Social Security?" There's a lot riding on the answer. Collecting your Social Security benefits before the program's "full retirement age" (65 for those born before 1938, rising gradually to 66 for ...
by gkaplan
Mon Aug 11, 2014 10:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard:"Social Security: How to decide when it's time."
Replies: 79
Views: 5380

Re: Carry on Luggage Restrictions

Thanks for all the responses and especially those comments on Southwest. I have bookmarked this topic.
by gkaplan
Sun Aug 10, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Carry on Luggage Restrictions
Replies: 24
Views: 1592

Re: Carry on Luggage Restrictions

Thanks for all the responses.

I'm flying from Portland (Oregon) to Sacramento during the Thanksgiving holiday. I'll probably fly Southwest.
by gkaplan
Sat Aug 09, 2014 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Carry on Luggage Restrictions
Replies: 24
Views: 1592

Carry on Luggage Restrictions

What are the current airline/TSA restrictions on carry on luggage? I know they must have changed since I last took a trip a number of years ago. I searched Google, but it’s pretty confusing.

Could I take a large backpack and another bag that I could fit under the seat in front of me?

Thanks.
by gkaplan
Sat Aug 09, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: Carry on Luggage Restrictions
Replies: 24
Views: 1592

Re: Investing in VCAIX

VCAIX? It sounds familiar, but I can't place it.
by gkaplan
Thu Aug 07, 2014 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in VCAIX
Replies: 7
Views: 615

Re: When is a 3.75% load worth it?

Taylor, that was my point.
by gkaplan
Thu Aug 07, 2014 6:53 pm
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5188

Re: What Book Are You Currently Reading? Part V

This morning I began The Cuckoo's Calling by Robert Galbraith, also known as J. K. Rowling in one of the worst kept secrets in the history of publishing.
by gkaplan
Thu Aug 07, 2014 6:52 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3200
Views: 1084008

Re: When is a 3.75% load worth it?

Two words: Bill Miller
by gkaplan
Thu Aug 07, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5188

Re: What Book Are You Currently Reading? Part V

Yesterday morning I finished Masaryk Station by David Downing. This is the last of the John Russell "train station" series. Despite the pedestrian writing, one-dimensional characters, and absurd plots, I read each book in this series. Downing has started a new series, featuring Jack McColl...
by gkaplan
Sun Aug 03, 2014 6:37 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3200
Views: 1084008

Re: Will not using my dishwasher cause problems?

I run my dishwasher about once every ten days.
by gkaplan
Fri Aug 01, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 51
Views: 3080

Re: How old are you?

What are you, the NSA?
by gkaplan
Wed Jul 30, 2014 6:51 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 77
Views: 6483

Re: Two days in Little Rock, AR - What to do and see?

William J. Clinton Presidential Library & Museum

http://www.clintonlibrary.gov/
by gkaplan
Tue Jul 29, 2014 9:53 pm
 
Forum: Personal Consumer Issues
Topic: Two days in Little Rock, AR - What to do and see?
Replies: 29
Views: 1430

Re: state income tax withheld from IRA distribution?

TSP will not withhold state income taxes.
by gkaplan
Tue Jul 29, 2014 9:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: state income tax withheld from IRA distribution?
Replies: 44
Views: 1883

Re: Do Bogleheads Ladder CDs Anymore?

Yes. I am building a five rung CD ladder.
by gkaplan
Sun Jul 27, 2014 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads Ladder CDs Anymore?
Replies: 25
Views: 2399

Re: What Book Are You Currently Reading? Part V

I have just begun Massacre Pond, the fourth in a series featuring Maine Game Warden Mike Bowditch. The author, Paul Doiron, is a Registered Maine Guide.
by gkaplan
Sat Jul 26, 2014 10:19 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3200
Views: 1084008

Re: Efficient frontier by decade

This is a purely anecdotal observation. I have been posting on this forum and it's predecessor on Morningstar for a long time. The 100% equity posts seem to become much more prevalent when the market is hitting new highs. They pretty much completely disappear when the market hits a correction or, e...
by gkaplan
Sat Jul 26, 2014 4:40 pm
 
Forum: Investing - Theory, News & General
Topic: Efficient frontier by decade
Replies: 39
Views: 18206

Re: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000

Poll: Which happens first, closing price of NASDAQ ending in .42 or .24? Answer choices. Choose any sixteen. You may change your answers before or after voting. For "pheasant," read "peasant" throughout. ⋅ Yes. ⋅ Reply hazy, try again. ⋅ .24 on IEX,...
by gkaplan
Wed Jul 23, 2014 8:32 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000?
Replies: 33
Views: 3159

Re: What Book Are You Currently Reading? Part V

I'm a little over one hundred pages into The Doll: a Novel by Taylor Stevens. This is the third in her Vanessa Michael Munroe series.
by gkaplan
Tue Jul 22, 2014 5:32 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3200
Views: 1084008

Re: P/E Ratio: How do YOU interpret/use it?

I don't interpret it, and I don't use it.
by gkaplan
Tue Jul 22, 2014 2:00 am
 
Forum: Investing - Theory, News & General
Topic: P/E Ratio: How do YOU interpret/use it?
Replies: 26
Views: 1366

Re: Portfolio Withdrawal 4% rate with Ceiling and Floor

I also think Vanguard's website describes this.
by gkaplan
Mon Jul 21, 2014 11:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Withdrawal 4% rate with Ceiling and Floor
Replies: 8
Views: 1030

Re: Problems accessing the site

I had the same problem, and Lady fixed it for me. Do PM her.
by gkaplan
Mon Jul 21, 2014 11:06 pm
 
Forum: Forum Issues and Administration
Topic: Problems accessing the site
Replies: 6
Views: 561

Re: VG Admiral Fund-falling below minimum investment

livesoft wrote:The use of the word "may" at least twice sure leaves a lot of leeway, doesn't it? It also might be perhaps maybe somewhat incongruent with the word mandatory. Since when do "mandatory" and "may" go together? It's oxymoronic.


Is that maybe like a double negative?
by gkaplan
Sun Jul 20, 2014 8:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 36
Views: 3375

Re: Hearing Aids

I have an audiology services appointment with the Portland VA July 31st to test my hearing. I have more difficulty, I think, hearing lower register voices than upper register voices, but I think my problems are acute enough to warrant hearing aids. The only concern I have with having hearing aids, o...
by gkaplan
Sun Jul 20, 2014 7:14 pm
 
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 82
Views: 6273

Re: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth,

I don't tax-adjust my portfolio, because (1) I am math challenged to a great extent, and (2) It's too much trouble, at least for me.

Given most of the responses in this thread, however, perhaps I should have a more aggressive allocation, since my rollover IRA consists entirely of fixed income.
by gkaplan
Sun Jul 20, 2014 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth, etc)
Replies: 77
Views: 3740

Re: NY Times Article - a case for index investing

I found it ironic that this article had a Raymond James ad.
by gkaplan
Sun Jul 20, 2014 12:13 pm
 
Forum: Investing - Theory, News & General
Topic: NY Times Article - a case for index investing
Replies: 23
Views: 2956

Re: [Poll] % of 3 funds in your financial asset portfolio?

It's either been a long day, or my advancing age has destroyed most of my brain cells, but I don't get what's being asked in this poll. Is the poll directed to those who have the three-fund portfolio talked about in this blog? Is the poll excluding those like me who have more than a three-fund portf...
by gkaplan
Fri Jul 18, 2014 8:28 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] % of 3 funds in your financial asset portfolio?
Replies: 31
Views: 1724

Re: What Book Are You Currently Reading? Part V

I have just begun Rise: a Novel of Contemporary Israel by Yosef Gotlieb. An internationally known photo essayist returns to Israel after having lived and worked since 1979 in New England. She seeks to reconcile with her estranged husband, an opposition leader, and their son, an officer in an elite u...
by gkaplan
Fri Jul 18, 2014 8:16 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3200
Views: 1084008

Re: Will you change your AA based on market performance?

Maybe I don't understand the question, but I don't consider rebalancing changing my asset allocation.
by gkaplan
Sun Jul 13, 2014 9:27 pm
 
Forum: Investing - Theory, News & General
Topic: In a crash, will you re-balance to maintain your target AA?
Replies: 64
Views: 4257
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