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Re: IRA balance goes to zero immediately triggers taxes?

My fun in the investment world is watching my net worth continue growing over time and knowing it will be enough to support me through the rest of my retirement. I don't trade on margin. I don't jump off bridges attached to bungee cords either, although that's probably safer than trading on margin....
by jvclark02
Sat Feb 28, 2015 9:45 am
 
Forum: Investing - Theory, News & General
Topic: IRA balance goes to zero immediately triggers taxes?
Replies: 7
Views: 419

Re: Responses to Yelp Reviews

What a shame. I use sites like yelp when I'm in an area that's new to me. Oh well, buyer beware :shock: I feel the same. I use to use Yelp to get the best bang for my buck while traveling, but was very disappointed to hear that Yelp was taking down high ratings if a business didn't purchase adverti...
by jvclark02
Sat Feb 28, 2015 9:38 am
 
Forum: Personal Consumer Issues
Topic: Responses to Yelp Reviews
Replies: 12
Views: 1078

Re: Retirement - Surprises, Solutions

(4) remind yourself that the purpose of retirement is NOT to accumulate money BUT to use them in the most satisfying ways. Victoria I have found #4 to be the most challenging in retirement. My past LBYM lifestyle made it difficult for me to throw down $20k for a cruise, but as they say "you ca...
by jvclark02
Sat Feb 28, 2015 9:21 am
 
Forum: Personal Consumer Issues
Topic: Retirement - Surprises, Solutions
Replies: 27
Views: 2770

Re: Help! Ive been put on a performance improvement plan!

Unfortunately some negative feedback has gotten to my manager from the employees. I seem to have alienated (some of) them. They don't want to call me to discuss needs, wants, client directives, etc, they feel disgruntled. This is reflecting very poorly on me. Ive been told that I need to work on so...
by jvclark02
Thu Feb 26, 2015 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! Ive been put on a performance improvement plan!
Replies: 66
Views: 8045

Re: Guns for hunting/defense

I lost my desire for hunting after two tours in Vietnam For bedroom defense: .45 caliber M1911, Walther PPK, and a 12 gauge pump. Home intruders can take what they want while we dial 911. If we can't safely escape, and if they choose to escalate the situation by entering our locked bedroom, there wi...
by jvclark02
Thu Feb 26, 2015 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 120
Views: 5786

Re: Retirement - Surprises, Solutions

My sister in law retired a year or two before I did and she warned me when I announced my retirement that projects will now take a lot longer to get done and she was right. When I was working, the around the house projects would be planned out to get them done over the two day weekends. Now .... eh...
by jvclark02
Mon Feb 23, 2015 4:38 pm
 
Forum: Personal Consumer Issues
Topic: Retirement - Surprises, Solutions
Replies: 27
Views: 2770

Re: Does anyone like the new Toyota/Lexus grilles?

I don't care for the new Lexus grill and chose to not to replace my LS460 with new, but than again I'm old so what do I know? :oops:
by jvclark02
Sun Feb 15, 2015 11:09 am
 
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 57
Views: 3223

Re: Social Security as a bond?

Probably already been said but Social Security is not a bond -- you should be so lucky to own a bond like this. It is an inflation-adjusted lifetime joint annuity with survivor benefits. Taking into account the secure income provided by Social Security you might not need as much in bonds in your re...
by jvclark02
Sun Feb 15, 2015 8:57 am
 
Forum: Investing - Theory, News & General
Topic: Social Security as a bond?
Replies: 47
Views: 3175

Re: Do retired Bogleheads have rising net assets?

Retired last year and assets still rising but trying to learn to spend more :oops:
by jvclark02
Mon Feb 02, 2015 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do retired Bogleheads have rising net assets?
Replies: 42
Views: 4441

Re: Tomahawk Steak

Sounds about right except for the 150 degree internal temperature. 125 with a 5 minute rest would work better at my house. To each his own. In this instance I don't think the bone is adding anything other than being visibly cool. Have you tried Sous Vide? Vacuum seal a steak, and heat in 125 degree...
by jvclark02
Mon Feb 02, 2015 2:28 pm
 
Forum: Personal Consumer Issues
Topic: Tomahawk Steak
Replies: 29
Views: 3411

Re: Good Wines

J LOHR Cabernet :beer
by jvclark02
Fri Jan 30, 2015 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Good Wines
Replies: 54
Views: 4386

Re: Getting deposed -- do I need to hire my own lawyer?

If they offer a lawyer I would take it as it is helpful to understand what to do and not do when asked questions in a depo if you have never done one before. Stuff like listening to the full question, think about the answer, and answer as succinct as possible without giving any more info. in the an...
by jvclark02
Fri Jan 16, 2015 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting deposed -- do I need to hire my own lawyer?
Replies: 47
Views: 4577

Re: SlingTV

For those that have dumped cable TV, how do you deal with the loss of the DVR? I don't record programs, so I never really needed one. I believe I still own a vcr in the basement if I was desperate. Tivo would probably be an appropriate solution for folks who want to record a lot of over-the-air tel...
by jvclark02
Thu Jan 08, 2015 10:33 am
 
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 4007

Re: Poll: Favorite Coping Strategies for Volatility

I wanted to choose 'Bogleheaded' but your 'cutesy' definition would have me considering tweaking my IPS during any volatility :oops:
by jvclark02
Thu Jan 08, 2015 10:12 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Favorite Coping Strategies for Volatility
Replies: 41
Views: 2671

Re: Is "stay the course" a commandment or a suggestion?

Goal? Recommendation? Suggestion? but definitely not a commandment e.g. from Merriam-Webster Dictionary;
com·mand·ment
noun \kə-ˈman(d)-mənt\

: an important rule given by God that tells people how to behave
by jvclark02
Mon Jan 05, 2015 5:14 pm
 
Forum: Investing - Theory, News & General
Topic: Is "stay the course" a commandment or a suggestion?
Replies: 60
Views: 4118

Re: First Social Security Check After Turning 70

June 2014? Question is in 2015?
by jvclark02
Sun Jan 04, 2015 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: First Social Security Check After Turning 70
Replies: 9
Views: 2140

Re: Net Worth Survey, 2015 Edition

What a unique group! I was also surprised by the number of Boglehead's with doctoral or professional degrees :oops:
by jvclark02
Fri Jan 02, 2015 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 135
Views: 23270

Re: Last year before retirement more about spending than sav

I'm not sure what is considered 'normal retirement', but I wouldn't call it a bunker mentality that two or three years before my retirement we upgraded the windows to energy savers, replaced the old shingled roof with a metal one, added a heat hump, and replaced the water heater with two high effici...
by jvclark02
Fri Jan 02, 2015 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Last year before retirement more about spending than saving?
Replies: 38
Views: 1939

Re: Post your 2015 New Year's Resolutions ITT

Stay retired- Third try :oops:

Quit checking my accounts everyday

Spend more.... DW and I have always been live-below-your-means type people, and we both are finding it hard to double our spending- a good problem to have :sharebeer
by jvclark02
Wed Dec 31, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Post your 2015 New Year's Resolutions ITT
Replies: 38
Views: 3539

Re: retirement spending covered by SS

lululu wrote:
Sidney wrote:Are you asking about now or some day?


Now, see poll title "if you are retired"


I'm retired but waiting until 70 to take SS, so I guess my only option is 'paired with no SS' :oops:
by jvclark02
Sun Dec 28, 2014 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: retirement spending covered by SS
Replies: 34
Views: 2430

Re: Do you travel with friends?

I always travel with my best friend. How she has put up with me for 38 years of marriage I have no idea? :oops: ..but I have been truly blessed!
by jvclark02
Thu Dec 18, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: Do you travel with friends?
Replies: 53
Views: 5378

Re: What do you splurge on?

Fishing/catching can be costly. Took a salmon fishing trip to Langara Islands in northern BC and I think the cost worked out to about $300 per pound of fish. :oops: :sharebeer
by jvclark02
Thu Dec 18, 2014 10:08 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 24617

Re: Thank you, Taylor...

I too have benefited from Taylor's 'gentle' guidance, and I was also very fortunate to meet and talk with him at BH13. I recently retired for the third time and with my ever growing three fund portfolio (+ reits), I am now faced with learning to spend more.....a nice situation to be in :oops: Thank ...
by jvclark02
Sat Dec 06, 2014 8:35 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Thank you, Taylor...
Replies: 15
Views: 2424

Re: Following your IPS

It's pretty easy for me because I'm the one that wrote it. Not sure why you are arguing with yourself? :oops:
by jvclark02
Mon Dec 01, 2014 4:31 pm
 
Forum: Investing - Theory, News & General
Topic: Following your IPS
Replies: 5
Views: 840

Re: AA and Pension?

I take my military and business pensions into consideration when determining my asset allocation, but I do not formally treat them as bonds. At age 67 I am now 60/40 and may go back to 70/30 when I start taking SS at 70. I have no debt, and my pensions cover all my needs and many of my wants, so as ...
by jvclark02
Sun Nov 30, 2014 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: AA and Pension?
Replies: 31
Views: 2897

Re: Honor Societies (any point?)

Thank you for your service!

I am retired military and have been there and done that....IMHO not worth it :oops:
by jvclark02
Wed Nov 26, 2014 10:21 pm
 
Forum: Personal Consumer Issues
Topic: Honor Societies (any point?)
Replies: 35
Views: 2349

Re: Garden questions - the final call

My small garden is dedicated to asparagus. Cut it or mow it, fall or winter, it just doesn't seem to care. My first garden area became my RV site so I covered the asparagus with gravel and parked my RV tires on it. Next spring it pushed the gravel up and sprouted around the tires. Kind of reminds me...
by jvclark02
Wed Nov 12, 2014 9:35 am
 
Forum: Personal Consumer Issues
Topic: Garden questions - the final call
Replies: 7
Views: 944

Re: Biggest discretionary expense in retirement?

International travel

Followed by:
Home improvement
Domestic travel
Car replacement
by jvclark02
Mon Sep 22, 2014 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biggest discretionary expense in retirement?
Replies: 29
Views: 3240

Re: how to prevent medical expense catastrophe?

I wonder if during signing the medical authorization that an exception could be added (hand written) for; no additional payments for the use of 'assistant surgeons' except for emergencies? Paying an 'assistant' $40,000 to $117,000 per hour I find repugnant, and goes to show how out of control our me...
by jvclark02
Sun Sep 21, 2014 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 8747

Re: iOS 8 update available today

Just traded in my wife's Verizon 4s for an iPhone 6 on-line - $200 trade-in credit for a $199 phone. I added a $99 upgrade to the 64GB version given I had to delete some pictures on my 5S in order to download iOS 8 @ 5+ GB
by jvclark02
Sun Sep 21, 2014 10:00 am
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 6125

Re: iOS 8 update available today

I think it’s pretty crummy that a phone that was considered Apple's premier phone for most of 2011 (the iPhone 4) is now no longer able to be kept up to date with security fixes. Nice 3 year life span there. For those who don’t know, iOS 8 is not compatible with the 4. What are the "security f...
by jvclark02
Sun Sep 21, 2014 8:04 am
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 6125

Re: When did you feel "Out of the Woods"?

cfs wrote:Upon retirement.

Actually, not long ago, when I officially retired from the workforce in May 2014 and now I have a Saturday mentality, today is Saturday, tomorrow is Saturday, the day after tomorrow is Saturday.


+1
by jvclark02
Sat Sep 20, 2014 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: When did you feel "Out of the Woods"?
Replies: 42
Views: 5547

Re: Am I being scammed? Wolf range hood, defective delivery

The missing plastic covering on the stainless front suggests this may have been a factory return. In my experience with high end stainless it always comes with protective plastic that is not removed until actual installation. Take pictures and set up an appointment date and time with the dealer. If ...
by jvclark02
Sat Sep 20, 2014 8:23 am
 
Forum: Personal Consumer Issues
Topic: Am I being scammed? Wolf range hood, defective delivery
Replies: 16
Views: 1958

Re: We have a grocery problem... [Household budget]

Two retired seniors living in rural mid-west, so most food and sundries (paper products, cleaning supplies, vitamins etc.) are purchased together at WalMart or Harps. I budget $900 per month for this and DW stays pretty close to that. At the risk of going hungry, I damn sure keep my mouth shut whene...
by jvclark02
Sat Sep 20, 2014 8:09 am
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11689

Re: ugh, redecking a dock

My dock is steel, encapsulated foam, and wood-like composite decking(Trex).

12 years of use and still looking good, albeit I am in the process of painting the exposed steel. The wood-like gray composite deck has faded just a little, but who knows what 'shades-of-gray' it was when it was new. :oops:
by jvclark02
Sat Sep 20, 2014 7:46 am
 
Forum: Personal Consumer Issues
Topic: ugh, redecking a dock
Replies: 11
Views: 3253

Re: Slow iPad mini with iOS 8 upgrade

iPad Air seems faster after upload
by jvclark02
Sat Sep 20, 2014 7:23 am
 
Forum: Personal Consumer Issues
Topic: Slow iPad mini with iOS 8 upgrade
Replies: 10
Views: 1710

Re: What Movie Have You [Recently] Watched?

wilpat wrote:The most recent movie I saw (in a theater) was Blazing Saddles in 1977.


OMG....you just took away my bragging rights :oops:
by jvclark02
Thu Sep 18, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 563
Views: 68780

Re: Retiree Poll: Do you own your primary residence?

I assume you meant by 'own' that it is mortgage free ownership versus the 'bank owning' your home? :oops:
by jvclark02
Sat Sep 13, 2014 6:52 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Do you own your primary residence?
Replies: 18
Views: 1672

Re: New Roof Needed Soon... Advice?

What about the noise? It's similar to washing your car and hitting it with the hose full on. It's much less force, but there's a lot of roof area. I'll bet it's really loud in a downpour. Actually, my metal roof is very quiet in a downpour. I chose to leave the old shingles on the roof and ran purl...
by jvclark02
Sat Sep 13, 2014 12:33 pm
 
Forum: Personal Consumer Issues
Topic: New Roof Needed Soon... Advice?
Replies: 48
Views: 3116

Re: Advice for a Vanguard 401(k) plan?

When our company changed from John Hancock to Vanguard last winter we chose to pay the extra fee to have a Vanguard representative come in and brief the employees on indexing and fund selecting. We also included some 'active funds' for those who like to 'gamble' or 'pay-more-for-less'. :oops:

John
by jvclark02
Thu Sep 11, 2014 9:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice for a Vanguard 401(k) plan?
Replies: 5
Views: 418

Re: New Roof Needed Soon... Advice?

If you plan on keeping the house I recommend a high quality metal roof. I chose the heaviest gauge available because of lake front high wind and hail exposure. Zero problems! Had a hail storm come through with baseball size hail that played hell on the surrounding shingled houses. I'm in the mid-wes...
by jvclark02
Thu Sep 11, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: New Roof Needed Soon... Advice?
Replies: 48
Views: 3116

Re: Roll Call for the Retirement Class of 2014!

Three months into retirement and so far it's like everyday is Saturday; I get up when I want, do pretty much whatever I want, whenever I want. One cool difference is my go-to-town 'Saturday's' are now usually mid-week when there are few lines and parking spaces are abundant. My past Boglehead's savi...
by jvclark02
Wed Sep 10, 2014 2:59 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 279
Views: 29026

Re: What should be Shredded

To get rid of the initial backlog, I used our fireplace to burn the stuff, but now we shred as we go and no problem with keeping up.
by jvclark02
Wed Sep 10, 2014 12:35 pm
 
Forum: Personal Consumer Issues
Topic: What should be Shredded
Replies: 18
Views: 1525

Re: What should be Shredded

In our household any paper work with name and address combined with account numbers, social security number, driver's license, etc. plus any thing personal in nature such as prescriptions, medical information, account balances, etc. are shredded. We purchased a fairly high end shredder that accepts ...
by jvclark02
Wed Sep 10, 2014 7:24 am
 
Forum: Personal Consumer Issues
Topic: What should be Shredded
Replies: 18
Views: 1525

Re: Univ of Chicago [Active Manager Luck vs. Skill] Lubos Pa

Thanks Larry-

I find it interesting that new inexperience managers were doing the best....perhaps that helps explain how Orlando, the cat, and his new found skills, did so well? :oops:

Skill no.....luck yes
by jvclark02
Tue Sep 02, 2014 9:46 am
 
Forum: Investing - Theory, News & General
Topic: Univ of Chicago [Active Manager Luck vs. Skill] Lubos Pastor
Replies: 7
Views: 957
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