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Re: POLL: Age for Collecting Social Security Benefits

I expect most of the age 70 people are not yet retired. It would have been interesting to have another choice in the poll (two inputs) where the second input is retired or not retired. I am nearly age 70 and will be claiming under my SS# for the first time in a few months. I have been retired over ...
by mickeyd
Thu Aug 21, 2014 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 65
Views: 3684

Re: Why only stocks in a taxable account at retirement?

The three-fund portfolio tells us we should hold Total Bond Market index in a tax-advantaged account like an IRA while we hold Total Stock/Total International Market index in a taxable account. I'm not sure that is exactly how it works. I have always had TSM in both taxable account and tax favored ...
by mickeyd
Wed Aug 20, 2014 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: Why only stocks in a taxable account at retirement?
Replies: 26
Views: 1760

Re: Why only stocks in a taxable account at retirement?

Shouldn't we intermix


Not sure what you mean by intermix. Could you explain?
by mickeyd
Wed Aug 20, 2014 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: Why only stocks in a taxable account at retirement?
Replies: 26
Views: 1760

Re: Retiree Poll: Do you do any volunteer work?

I help feed the hungry of our community on an ongoing basis. I get more out of it than I put into it, so that makes me put more into it. I also visit wounded warriors at Brooke Army Medical Center but that has slowed down a lot as there are fewer wounded to visit...thank God.
by mickeyd
Wed Aug 20, 2014 4:54 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Do you do any volunteer work?
Replies: 21
Views: 1314

Re: When did you hear of Bill Miller and Legg Mason Value Tr

Did not vote due to so many choices. I remember when he beat the S&P ten years in a row and recall following his progress after that. As predicted, he fell like they always fall.
by mickeyd
Wed Aug 20, 2014 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: When did you hear of Bill Miller and Legg Mason Value Trust?
Replies: 22
Views: 1165

Re: Defining "Stay the Course"

To paraphrase a SCOTUS Justice of the 50's, "I can't give you a definition of STC, but I know it when I see it."
by mickeyd
Tue Aug 19, 2014 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: Defining "Stay the Course"
Replies: 32
Views: 2434

Re: POLL: Age for Collecting Social Security Benefits

I will collect my first SS check (under my SS#) in December at age 70. Since I have been receiving benefits as a spouse for almost 4 years, my SS income will have a tenfold increase in a few months.
by mickeyd
Tue Aug 19, 2014 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 65
Views: 3684

Re: Retirement Party [Investment] Discussions

You just gave me an idea. After I retire, I should visit Dublin several times, each time taking a different road.

Victoria


Wouldn't it be interesting to hold an annual Boglehead meeting in Dublin sometime in the future
by mickeyd
Tue Aug 19, 2014 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement Party [Investment] Discussions
Replies: 50
Views: 3836

Re: Hw many credit cards to own?

Your message contains 1 characters. The minimum number of characters you need to enter is 5.

2, 2, 2
by mickeyd
Mon Aug 18, 2014 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 108
Views: 6797

Re: Bogleheads Featured in Money Article

As usual, nice job Mel.
by mickeyd
Mon Aug 18, 2014 9:22 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads Featured in Money Article
Replies: 21
Views: 3005

Re: Has indexing gotten too big?

The most interesting fact for me: index funds constitute "only" 17% of total equity and fixed income market capitalization.


It's good to know that I find myself in such an elite grouping.
by mickeyd
Mon Aug 18, 2014 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: Has indexing gotten too big?
Replies: 10
Views: 1695

Re: Thoughts on USAA?

I have used USAA P&C and bank for 40+ years. I'll probably continue to take advantage of their excellent products, however their interest rate on savings accounts stinks.
by mickeyd
Mon Aug 18, 2014 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on USAA?
Replies: 24
Views: 1887

Re: Retirement Party [Investment] Discussions

When I recently described how we were using the SSA to generate 8% income growth thru DRCs and at the same time scooping up a few extra SS dollars disguised as a spouse until I was age 70 in a few months, my loveable lefty neighbor accused me of ripping off the American taxpayer. I agreed that I was...
by mickeyd
Mon Aug 18, 2014 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement Party [Investment] Discussions
Replies: 50
Views: 3836

Re: Retirement Party Discussions

Their availability bias pushes them towards mainstream investing, which enriches the Wall Street more so than them, but they rest assured that their financial planning is prudent.


Well said Victoria. Once they get on that merry-go-round they don't want to get off.
by mickeyd
Sun Aug 17, 2014 8:20 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement Party [Investment] Discussions
Replies: 50
Views: 3836

Re: Retirement Party Discussions

Thanks for that link Austintatious. I recalled that he had made such a statement in the past and your link must have been it. So, if you keep rebalancing, you will be cutting into your long-term returns. Now you will take on more volatility. I'm not a big fan. I don't object to it at all. But I thin...
by mickeyd
Sun Aug 17, 2014 3:09 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement Party [Investment] Discussions
Replies: 50
Views: 3836

Re: The (un)freshness of Starbucks bakery products

I used to pick up day-old bakery products (for use by homeless folks) from *bucks and they seemed to be pretty cautious about getting that stuff out of circulation ASAP. I would contact the manager and let them know. Might even get a free cup of joe out of it. :beer
by mickeyd
Sat Aug 16, 2014 7:58 pm
 
Forum: Personal Consumer Issues
Topic: The (un)freshness of Starbucks bakery products
Replies: 49
Views: 4391

Re: Receiving Spam Emails Since Joining

Welcome aboard.

I've been here since the beginning and don't recall getting either of those offers.

If you don't need a new car or a Walmart card, I'd just ignore them.
by mickeyd
Sat Aug 16, 2014 7:52 pm
 
Forum: Forum Issues and Administration
Topic: Receiving Spam Emails Since Joining
Replies: 9
Views: 735

Re: [Poll] How I Feel When I Think about Investing, etc.

Holding the entire market with VG index funds and rebalancing occasionally to keep my AA is a very relaxing situation to be in. I am surprised that only 66% agree with me.
by mickeyd
Fri Aug 15, 2014 9:23 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2340

Re: Total Market Bond Fund vs Intermediate Term Fund

Another reason to enjoy Nisi's posts~ I personally happen to hold VBMFX, for the following highly sophisticated reasons: I didn't and don't know what the heck I was doing, beyond wanting "bonds;" "total" sounded good, and everything I've read suggests that it's a perfectly good, ...
by mickeyd
Fri Aug 15, 2014 9:15 pm
 
Forum: Investing - Theory, News & General
Topic: Total Market Bond Fund vs Intermediate Term Fund
Replies: 47
Views: 5790

Re: Total Market Bond Fund vs Intermediate Term Fund

I recall nisiprius making a good case for TB


Yea, but Nisi always makes a good case for whatever he is posting about.
by mickeyd
Thu Aug 14, 2014 3:10 pm
 
Forum: Investing - Theory, News & General
Topic: Total Market Bond Fund vs Intermediate Term Fund
Replies: 47
Views: 5790

Re: Total Market Bond Fund vs Intermediate Term Fund

I just like Intermediate Term Index Fund's fixed allocation better than the changing index that the Total Bond Fund follows.


:thumbsup
by mickeyd
Tue Aug 12, 2014 7:56 pm
 
Forum: Investing - Theory, News & General
Topic: Total Market Bond Fund vs Intermediate Term Fund
Replies: 47
Views: 5790

Re: Dealership wants to buyback my car

I received a similar sales tactic from Toyota several times (via phone and mail). Sounded like they had several local buyers who were just chomping at the bit to purchase my 2 YO wheels. I felt honored that they thought so highly of my newish car. They also reminded me that I could use the money to ...
by mickeyd
Mon Aug 11, 2014 7:36 pm
 
Forum: Personal Consumer Issues
Topic: Dealership wants to buyback my car
Replies: 32
Views: 3371

Re: Sales/offers while taking to customer service reps

One thing that I have noticed lately is that the CSR reminds me that I may be called or offered an opportunity to complete a short survey on the service provided today~"I hope that you will remember me when doing the survey". I called TWC today and I was again reminded that "Ed" ...
by mickeyd
Sat Aug 09, 2014 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sales/offers while taking to customer service reps
Replies: 4
Views: 405

Re: CD interest payments

The, not uncommon, lingering myth among many consumers is that a paper "certificate" is somehow required or is better than receipts, statements.


Can I assume that now CDs are merely another line of data on you account listed below "savings account"?
by mickeyd
Thu Jul 31, 2014 2:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: CD interest payments
Replies: 23
Views: 1809

Re: CD interest payments

Thanks LG :happy

Add dividends to certificate.


Same interest rate as CD?
by mickeyd
Sun Jul 27, 2014 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: CD interest payments
Replies: 23
Views: 1809

CD interest payments

I know that it's hard to believe but I have never had a bank CD. I pretty-much know how they work but not sure of this~ How is the interest on a CD paid to the saver/investor? cash monthly? reinvested? cash annually? Also how does a saver/investor pay for any early withdrawal penalty? deduction from...
by mickeyd
Sun Jul 27, 2014 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: CD interest payments
Replies: 23
Views: 1809

Re: Van. total bond vs intermediate

Many years ago I chose the Intermediate-Term Bond Index as my FI fund of choice and it has served me well during that time. As I recall I preferred it to the TBM fund because it had no Ginnie Mae bonds and I did not want them in my mix. I agree that over the long term it makes no difference which yo...
by mickeyd
Sat Jul 26, 2014 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Van. total bond vs intermediate
Replies: 11
Views: 1545

Re: Cobra Insurance Disclaimer

WITHOUT PROOF OF MAILING WE MAY NOT ACCEPT DISPUTED PAYMENTS Prior to retiring I used to administer COBRA for a number of Fortune 500 firms. If you mail the premium and it is postmarked within 30 days the due date, they are required by ERISA law to accept it as "on time." Don't let this a...
by mickeyd
Sat Jul 26, 2014 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cobra Insurance Disclaimer
Replies: 5
Views: 533

Re: Riding the Rails--my Amtrak trip

We had pleasant train rides while visiting Alaska a few years ago. Yesterday DW mentioned out of the blue that we should take a train trip somewhere. I didn't encourage her nor asked the obvious Q~ "To where?". This thread has me thinking "Why not?"
by mickeyd
Sat Jul 26, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 78
Views: 9032

Re: Old people and financial advisors - a family tale

Your experience reminds me of my MIL. She is 90+ YO and believes that her ML broker is the best and would not steer her wrong "after all those years." I refuse to get involved in her finances and have no clue what the old sweet heart is worth. (Could be millions; could be thousands). DW wo...
by mickeyd
Sat Jul 26, 2014 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old people and financial advisors - a family tale
Replies: 75
Views: 5686

Re: Am I "Locked In" For Payments With This Bond Fund?

What is everyone's absolute favorite bond fund for these times of heightened interest rate risk?


Vanguard Intermediate-Term Index Bond fund has had me sleeping well for over 10 years. It could be my favorite.
by mickeyd
Sun Jul 20, 2014 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I "Locked In" For Payments With This Bond Fund?
Replies: 11
Views: 1087

Re: Hearing Aids

I presume you also have the right to have them fine tuned once you have worn them for awhile, could take a trip or two to reach the point where you can practically forget that they are there. I understand that they have audiology techs in the clinic who are available for adjustments/repairs, cleani...
by mickeyd
Sun Jul 20, 2014 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 82
Views: 6274

Re: What is reasonable for 403b fees?

The last 401(k) that I was in had a hidden fee of $75 (flat fee) for closing out the plan when you terminated and took your stash elsewhere. What a racket! Every employee will eventually leave and very few will leave it there when they depart. When I complained I was told "Nobody works for free...
by mickeyd
Sun Jul 20, 2014 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is reasonable for 403b fees?
Replies: 21
Views: 1096

Re: Hearing Aids

Thanks for all of the HA information. All very interesting. I recently was fitted with a HA by the VA. It is a Unitron (brand) model~Quantum2 PRO S BTE. (Wonder how they came up with that back to the future name?) The VA audiologist said that the devices (L & R) retail for around $7,000. Not sur...
by mickeyd
Sun Jul 20, 2014 6:34 pm
 
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 82
Views: 6274

Re: Poll: Has your AA changed in the last 18 months

As I approach RMD time in 2015 I am slowly changing my AA from 60/40 to 50/50 and making the whole portfolio much more simple. Not there yet, but I realize that I do not need as much growth/risk as I thought I needed several years ago.
by mickeyd
Sun Jul 20, 2014 5:16 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 58
Views: 3741

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

My 3-fund portfolio has VG I-T bond fund rather than TBM. I voted 60% as that is my stock only %.
by mickeyd
Fri Jul 18, 2014 4:02 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] % of 3 funds in your financial asset portfolio?
Replies: 31
Views: 1724

Re: POLL: Do you have a dedicated REIT allocation?

My only REIT allocation is whatever I have in my TSM accounts. I used to have <5% REIT in my ROTH (for about 10 years) that I rode down and then back up again but recently exchanged all of it to the TSM as I am trying to simplify my life.
by mickeyd
Fri Jul 18, 2014 3:53 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 7268

Re: Professor looking for investment advice

I opened Roth IRAs for my wife and myself last year through Vanguard.


Why not make these 2 accounts your International and Bond allocation? Or at least part of it. Those expensive VALIC ERs really stink.
by mickeyd
Fri Jul 18, 2014 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Professor looking for investment advice
Replies: 16
Views: 1655

Re: RMD early

Try using EFTPS to pay your estimated federal income taxes.
by mickeyd
Thu Jul 10, 2014 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD early
Replies: 4
Views: 948

Re: Changes to Vanguard Balance and Personal Performance tab

I'm more interested in what my Vanguard portfolio looks like 10 years from now rather that 10 years ago.
by mickeyd
Thu Jul 10, 2014 4:54 pm
 
Forum: Investing - Theory, News & General
Topic: Changes to Vanguard Balance and Personal Performance tabs
Replies: 18
Views: 2109

Re: Cash allocation in a portfolio

All of my cash reserves are reserved for future spending during the next 5 years or so.
by mickeyd
Mon Jul 07, 2014 1:11 pm
 
Forum: Investing - Theory, News & General
Topic: Cash allocation in a portfolio
Replies: 42
Views: 3805

Re: IRS limits direct deposts of refunds to fight Identity T

Won't this just require all of the tax scammers to open up multiple bank accounts?
by mickeyd
Mon Jul 07, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS limits direct deposts of refunds to fight Identity Theft
Replies: 25
Views: 3408

Re: Vanguards Devil's Advocate

I would just like to become more educated as to what is out there and to better understand Vanguard/Bogleheads' way of doing things. Over the last 60 years or so John Bogle has done all of the heavy lifting on this subject. It's never a bad idea to read as much as possible in order to educate yours...
by mickeyd
Mon Jul 07, 2014 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguards Devil's Advocate
Replies: 55
Views: 7411

Re: Bubble, Bubble, Toil and Trouble

Conversely, if you feel certain about both the existence of a bubble and how it will burst, you may want to see if your certitude is warranted given your metric."


Trying to outburst a bubble is no different than market timing. And we all know how beneficial that activity often is.
by mickeyd
Mon Jul 07, 2014 11:53 am
 
Forum: Investing - Theory, News & General
Topic: Bubble, Bubble, Toil and Trouble
Replies: 24
Views: 3633

Re: Rick Ferri's Emergency Fund

Just curious - where do retired folks place their emergency funds or do they even keep such an account? :?: I don't maintain an emergency fund as such in retirement. I maintain what I call Cash Reserves (about 2 years expenses). As mentioned earlier, I divide those cash reserves about 75/25 between...
by mickeyd
Mon Jul 07, 2014 11:44 am
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri's Emergency Fund
Replies: 28
Views: 6399

Re: Want international exposure? You already have it.

When I once questioned the need for non-USA stock being a necessity, it was explained to me that about 50% of all equities are non USA companies. Why eliminate them as a choice?
by mickeyd
Sun Jul 06, 2014 2:16 pm
 
Forum: Investing - Theory, News & General
Topic: Want international exposure? You already have it.
Replies: 65
Views: 6405

Re: Rick Ferri's Emergency Fund

I have been using VG STB as part of my cash reserves along with Ally online savings acct (25/75). The return stinks, but so does everything else.
by mickeyd
Sat Jul 05, 2014 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri's Emergency Fund
Replies: 28
Views: 6399

Re: Valuing a personal residence for net worth purposes

The value of my house is whatever the next guy who makes an offer on it says it's worth.
by mickeyd
Sat Jul 05, 2014 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Valuing a personal residence for net worth purposes
Replies: 73
Views: 4026
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