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Re: Stock markets in free fall?

I was a little heavy in stocks(53%-47%)- but not enough to re-balance, even with new money. The market did it for me.
Marty
by mcblum
Sun Apr 13, 2014 9:35 am
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6568

Re: Day camps, summer camps, summer school

I sent five summers at a camp on the chesapeake bay in the fifties and five summers at the same camp as a staff member in the early sixties, It was the best time of my life. fresh air, exercise great food and good friends - what more could you ask for? I'd do it again today if my body would hold up!...
by mcblum
Fri Apr 11, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: Day camps, summer camps, summer school
Replies: 8
Views: 551

Re: How Much of Tax Refund Do You Save/Spend..??

we overpaid on the taxes when we converted a TIRA to Roth, so we are getting back a large amount. I split it with my wife and will use my share to pay off car note about 18 months early.
Marty
by mcblum
Sun Mar 02, 2014 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Much of Tax Refund Do You Save/Spend..??
Replies: 68
Views: 2428

Re: I'm feeling old today

how about Captain Video on the old Dumont Network? This was 1949
Marty
by mcblum
Wed Feb 12, 2014 5:01 pm
 
Forum: Personal Consumer Issues
Topic: I'm feeling old today
Replies: 97
Views: 6649

Re: Winter coats:

go down to your local surplus store and get a genuine navy pea-coat. Best you will ever get and need.
Marty
by mcblum
Tue Feb 04, 2014 6:38 pm
 
Forum: Personal Consumer Issues
Topic: Winter coats:
Replies: 53
Views: 3766

Re: Comfort food

Well, let's see... What makes any of these really great is not having them in the house or being hard to get or prepare. "The Science of Junk Food" Mac and Cheese. I can eat the ENTIRE six servings. Great hot or cold! dipping Fritos and good quality onion dip Blue crabs and beer. I live fa...
by mcblum
Wed Dec 04, 2013 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Comfort food
Replies: 68
Views: 3658

Re: Sci-Fi Short Story Recs

Gonna Roll the Bones by Fritz Leiber
by mcblum
Thu Oct 31, 2013 9:55 am
 
Forum: Personal Consumer Issues
Topic: Sci-Fi Short Story Recs
Replies: 60
Views: 3140

A need a name and nominations for a NEW AWARD

Having seen John Carter last Spring, I decided we need a new award category:
"Worst Movie Adaptation of a Printed Work"
Any suggestions?
Marty
by mcblum
Wed Jul 31, 2013 11:10 am
 
Forum: Personal Consumer Issues
Topic: A need a name and nominations for a NEW AWARD
Replies: 6
Views: 508

Re: bitcoin bust; bitcoin etf

the whole thing sounds kind of tulippy tome.....
I don't understand. marty
by mcblum
Wed Jul 10, 2013 6:25 am
 
Forum: Investing - Theory, News & General
Topic: bitcoin bust; bitcoin etf
Replies: 52
Views: 5205

Re: What was your worst investment?

Someone earlier wrote about the '98 tech crash. Shear greed led me to invest about 10k in the Fidelity Tech Fund. I lost about 70% of it in several month before I sold. I wont do sector funds again.marty
by mcblum
Sun Jun 30, 2013 9:44 am
 
Forum: Investing - Help with Personal Investments
Topic: What was your worst investment?
Replies: 100
Views: 7272

Re: 25 years today (how long u been on the job ???)

forty-six years and counting. It is my co-workers,from all over the world, that make my job enjoyableI When I hit fifty years,will re-acess....
That will probably be it. Marty
by mcblum
Fri Jun 28, 2013 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: 25 years today (how long u been on the job ???)
Replies: 74
Views: 5722

Re: Suggestions for the Wiki

Hi, Could you provide a little more detail on what you are looking for? We have several articles on Retirement spending , as well as Safe Withdrawal Rates , but perhaps this is not what you intended. Thanks. How to w/d your 3-4% from the various parts of your portfolio. I have taxable,tax deferred ...
by mcblum
Thu Jun 13, 2013 5:49 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 245
Views: 65460

Re: Suggestions for the Wiki

Information for post retirement distribution.
Marty
by mcblum
Thu Jun 13, 2013 4:26 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 245
Views: 65460

Re: Poll: How much cash do you carry?

It depends on what day of the week it is: I take out $100 from the ATM on Thursday for the week end. This usually lasts into the next week.Later in the week I'll have less on hand. Although I use my Credit Card to make purchases, I still but lunch and gasoline with cash. The gas companies are very s...
by mcblum
Thu Jun 13, 2013 4:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How much cash do you carry?
Replies: 103
Views: 5433

Re: The best use of an emergency fund

My e fund is VOO in taxable. Up or Down, who cares? Marty
by mcblum
Tue Jun 11, 2013 11:21 am
 
Forum: Investing - Help with Personal Investments
Topic: The best use of an emergency fund
Replies: 22
Views: 1797

Re: Help with my 81 Year old Mother's portfolio

You have an 81 year old PORTFOLIO? :D
Marty
by mcblum
Fri May 24, 2013 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my 81 Year old Mother's portfolio
Replies: 18
Views: 1356

Re: disregarding ''daily noise"

Avoid the 6 o'clock News. It is bad for your emotional health....
Listen to Mozart, instead.
Marty
by mcblum
Fri May 17, 2013 5:45 am
 
Forum: Investing - Theory, News & General
Topic: disregarding ''daily noise"
Replies: 34
Views: 2021

Re: Fund Offer

Brian; Many thanks for pointing me in the right direction!
Marty
by mcblum
Thu May 16, 2013 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: Fund Offer
Replies: 2
Views: 371

Fund Offer

Does anyone know about SSgA Russell All Cap Index Fund? It is being offered by my new carrier which is Merrill Lynch. I can't find it listed anywhere. All I have is that it is a Russell 3000 Index mirror. I would like to pair it with the SSgA US Bond Collective Investment Fund which is SSINX. It wou...
by mcblum
Wed May 15, 2013 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Fund Offer
Replies: 2
Views: 371

Re: Lessons from the last crash?

Between the greed and the Short Term Memory Loss, we WILL go round again, That is what I have learned. I will take a dip when it happens, but I have protected my self
with asset allocation and will come out of it better than before.Marty
by mcblum
Wed May 08, 2013 8:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Lessons from the last crash?
Replies: 44
Views: 4124

Re: I am curious, Indexes

Thanks, marty
by mcblum
Tue May 07, 2013 7:54 am
 
Forum: Investing - Theory, News & General
Topic: I am curious, Indexes
Replies: 6
Views: 530

I am curious, Indexes

Is the S&P 500 a pure index fund? It seems that, at some time or times in the year, member corporations of the index are dropped and other companies with greater net worth are added; similar to the English Football League where the bottom two are dropped and the top two in the 2nd division are p...
by mcblum
Tue May 07, 2013 6:22 am
 
Forum: Investing - Theory, News & General
Topic: I am curious, Indexes
Replies: 6
Views: 530

Re: How many investments do you own? (clarification below)

not counting the Money Market: six.
Total Stock, Intermediate Bond and TIPS in IRA
S&P 500 and Intermediate Bond in 401K
S&P 500 in Taxable
Marty
20 shares of KO....
by mcblum
Thu May 02, 2013 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: How many investments do you own? (clarification below)
Replies: 64
Views: 3062

Re: Kelly 401K

Kelly is a far sight better than ORAU which was my first contractor.
Marty
by mcblum
Wed May 01, 2013 4:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Kelly 401K
Replies: 8
Views: 616

Re: Kelly 401K

I am a biologist running a small lab producing growth media for genetic research. My contract is run by Kelly Government Services. The matching will make up for the higher expense, which I expect. I just don't know what my choices will be but I'll go index as much as I can.
Marty
by mcblum
Tue Apr 30, 2013 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Kelly 401K
Replies: 8
Views: 616

Kelly 401K

I am a contractor working for Kelly Government Services (KGS). I just received a letter from KGS stating that the 401k carrier is being changed from JP Morgan/Chase to Merrill Lynch. My previous choices were not really great but not that bad E/Rs were a bit higher than I am used to with my Vanguard ...
by mcblum
Tue Apr 30, 2013 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Kelly 401K
Replies: 8
Views: 616

Re: Late Starters

I am 69.5 years old. When I remarried 25 years ago, I did not know very much about investing; did not know what a mutual fund was, let alone asset allocation and re-balancing. My new wife told me about mutual funds. She had several thousand in Vanguard and Fidelity. I had very little spare money to ...
by mcblum
Mon Apr 22, 2013 11:03 am
 
Forum: Investing - Theory, News & General
Topic: Late Starters
Replies: 2
Views: 711

Re: Any Minimalists on here?

Ah. If I could only fit into my Speedo again....
Marty
by mcblum
Fri Mar 08, 2013 11:21 am
 
Forum: Personal Consumer Issues
Topic: Any Minimalists on here?
Replies: 93
Views: 9399

Re: What % of your income are you saving for retirement?

This is strange, I am retired and also have a full time job. I am investing about 100% of my salary take home and living off my pension.
Marty
by mcblum
Tue Feb 12, 2013 12:06 pm
 
Forum: Investing - Theory, News & General
Topic: What % of your income are you saving for retirement?
Replies: 228
Views: 20418

Re: Good old days are back....

http://online.wsj.com/article/SB10001424127887323807004578286210256247312.html We are back to 2006/2007: The consumer-lending joint venture of private-equity firm Fortress Investment Group LLC FIG -1.46% and insurer American International Group Inc. AIG +0.40% is planning a rare securitization of s...
by mcblum
Wed Feb 06, 2013 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: Good old days are back....
Replies: 10
Views: 2114

Re: Why would anybody use Turbotax?

I save a few bucks by mailing my return, the old fashioned way. Not in a hurry to get money back.
marty
by mcblum
Wed Jan 30, 2013 11:29 am
 
Forum: Personal Consumer Issues
Topic: Why would anybody use Turbotax?
Replies: 111
Views: 11088

Re: Thinking of moving to Switzerland

Take a look at the South Tyrol instead. marty
by mcblum
Thu Jan 17, 2013 6:51 pm
 
Forum: Personal Consumer Issues
Topic: Thinking of moving to Switzerland
Replies: 60
Views: 3384

Re: Movie recommendation - here's mine

Old Ones: The Maltese Falcoln (Bogart) Key Largo (Bogart) The Quiet Man (Wayne/O'Hara) Twelve Angry Men (all star cast) To Kill A Mockingbird (Peck) Twelve O'Clock High (Peck) Newer Ones: Waking Ned Devine Four Weddings and a Funeral The Princess Bride a cult favorite: Tremors and a soon to be cult...
by mcblum
Wed Jan 02, 2013 7:10 am
 
Forum: Personal Consumer Issues
Topic: Movie recommendation - here's mine
Replies: 52
Views: 4297

Re: Ready, aim, ... FIRE! (The poll)

Nothing on the first of J. I always allocate money for the first three months to cover taxes and will start contributing to IRA about
April 1st. If stocks go down in the first three months, it will be a good buying opportunity.
Happy New Year to All! Marty
by mcblum
Thu Dec 27, 2012 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ready, aim, [Poll on Jan. 1 tax advantaged contributions]
Replies: 50
Views: 3394

Re: Do you have money in taxable? What percent?

I was a late starter in investing, so most of my money is in my 401k followed by my R-IRA. As I realized that I would fall short in my goals, I started a taxable account to make up the short fall. At present, it is about 9% of my portfolio- all in SP500. This, by the way, is the fund I would w/d fro...
by mcblum
Wed Nov 28, 2012 9:15 am
 
Forum: Investing - Theory, News & General
Topic: Do you have money in taxable? What percent?
Replies: 74
Views: 5550

Re: Planet Money: Why Coke cost a nickel for 70 years

In a lab I worked in for twenty years, the 1st person in put on the coffee urn. I was good for about an hour and gradually got darker,bitterer and more burnt. Initial cost was five cents but was free after ten AM. We used to joke about not spilling on the floor as it would remove wax....
Marty
by mcblum
Fri Nov 23, 2012 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Planet Money: Why Coke cost a nickel for 70 years
Replies: 60
Views: 6310

Re: On being alive and well, and having a nice morning today

My hair stood up when I saw your x-ray. Was your initial injury a fall or auto accident?
Wishing you all the best, Marty
by mcblum
Fri Nov 23, 2012 11:23 am
 
Forum: Local Chapters and Bogleheads Community
Topic: On being alive and well, and having a nice morning today.
Replies: 15
Views: 1402

Re: Index fund and dividend stock jumble

Hi there: I see your IRA but no mention anywhere about employee investment plan;401K or 403b plans. Do you have those through your job?
All the best, Marty
by mcblum
Fri Nov 23, 2012 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Index fund and dividend stock jumble
Replies: 17
Views: 1712

Re: Total Stock Market Index Funds.

what I mean is what are the criteria an index uses to include a company? It looks like an index, can include any company if it is a representative of a sector, regardless of how shaky the company is. If: the company is listed on the index, and the index is converted into a fund, and you buy that fun...
by mcblum
Tue Nov 20, 2012 5:59 pm
 
Forum: Investing - Theory, News & General
Topic: Total Stock Market Index Funds.
Replies: 6
Views: 1242

Total Stock Market Index Funds.

What are Vanguard's qualifications for inclusion of a company in the Total
Stock Market Fund?
Marty
by mcblum
Tue Nov 20, 2012 5:45 am
 
Forum: Investing - Theory, News & General
Topic: Total Stock Market Index Funds.
Replies: 6
Views: 1242

Re: Do you....DCA, lump sum, VA, etc....? (poll)

Automatic investment in 403b plan
monthly lump-sum in RIRA and in taxable.
The later two if the money is available. I have
an emergency fund for the unforseen but it has to be kept up if it is accessed.
Marty
by mcblum
Mon Nov 19, 2012 6:39 am
 
Forum: Investing - Theory, News & General
Topic: Do you....DCA, lump sum, VA, etc....? (poll)
Replies: 25
Views: 1010

Re: Bogleheads T-Shirt Possible Design(s)

I don't know about a tee shirt but I would certainly be interested in purchasing that
necessary piece of high tech equipment, a monogramed coffee mug.
Marty
by mcblum
Sat Nov 17, 2012 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads T-Shirt Possible Design(s)
Replies: 101
Views: 5754

Re: After the Election, the Stock Market has been Diving

I wonder what the market was like in Siberia in 863 AD...
Marty
by mcblum
Thu Nov 15, 2012 8:55 am
 
Forum: Investing - Help with Personal Investments
Topic: After the Election, the Stock Market has been Diving
Replies: 35
Views: 3417

Re: What does it feel like to have $1M+ liquid?

I really don't know how i shall feel if I make the one million mark but when I pass fifty years on the job (in five more years) I will feel that I have
accomplished something.
marty
by mcblum
Mon Oct 22, 2012 7:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: What does it feel like to have $1M+ liquid?
Replies: 126
Views: 13256

Re: 401K doing 15.37 percent for the year

I am up 14.6% for the year so far. I would have been satisfied with half of that. Marty
by mcblum
Sun Oct 21, 2012 12:12 pm
 
Forum: Investing - Theory, News & General
Topic: 401K doing 15.37 percent for the year
Replies: 22
Views: 1847

Re: Pay bills when they are due or ASAP?

I have finally reached the point in my career where I can pay the bills as soon as they come in. I get my pension on the 1st of the month and make mortgage and car payments immediately.
The rest are paid as they come in.I actually HATE seeing a bill lying around unpaid.
Marty
by mcblum
Mon Oct 01, 2012 9:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Pay bills when they are due or ASAP?
Replies: 39
Views: 3248

Re: Vanguard problems today?

In the morning,(9/23), my holding of VOO /S&P 500) showed zero balance. Later in the day. it corrected.
Marty
by mcblum
Sun Sep 23, 2012 7:53 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard problems today?
Replies: 15
Views: 1703

Re: How Many Mutual Funds Do You Own?

Used to own a bunch with AA all over the place; now just five not including my VMMXX (the holding tank). They are 403b (TLTRX) A Life Cycle-The best of the mess.... RIRA (VIPSX,VBILX,VTSAX) Taxable (VOO) This comes out to 47% Bonds,45% Stocks and the rest in International. K.I.S.S.!! Marty
by mcblum
Sun Sep 23, 2012 10:38 am
 
Forum: Investing - Theory, News & General
Topic: How Many Mutual Funds Do You Own?
Replies: 95
Views: 3394

Re: Do you pick up pennies?

last time i looked, 100 pennies make a dollar. I pick up all money and throw all coins a dime and under into a spun aluminum can I keep in my closet. Every two or three years, we empty the can and take the contents to a coin counter. We seem to get 70-80 dollars each time. Well worth the effort.
Marty
by mcblum
Tue Sep 18, 2012 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Do you pick up pennies?
Replies: 56
Views: 2395
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