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Re: AXA Equi-Vest Help

2) Why would you include an annuity in a retirement savings plan? How does an annuity help you save for retirement?


There are a lot of insurance agents out there that like to target 403(b) eligible folks. It can be rolled over to a TIRA. Call Vanguard for instructions.

Good luck.
by mickeyd
Sat Sep 27, 2014 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: AXA Equi-Vest Help
Replies: 2
Views: 253

Re: Vanguard Quarterly Dividends in September

You all sound like you're teetering on the edge of subsistence. :D http://1.bp.blogspot.com/_fnsOmb0Fvog/TCTiTM7GycI/AAAAAAAACVw/EpZLH7TdWfI/s1600/soup_line.jpg Free soup available for panicked Vanguard clients who didn't get their dividend checks. Getting their free from soup from Al Capone noneth...
by mickeyd
Wed Sep 24, 2014 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Quarterly Dividends in September
Replies: 40
Views: 5009

Re: The Roosevelts, PBS special

TR was a remarkable man. Many of us baby boomers do not share his hawkish attitude towards war because we witnessed the Vietnam war and more recently wars like the Iraq war. Many other boomers have witnessed these conflicts at a closer range and understand that if your nation calls for you to fight...
by mickeyd
Sun Sep 21, 2014 3:44 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 96
Views: 7474

Re: The Roosevelts, PBS special

TR was awarded the Medal of Honor, Noble Peace Prize and elected President of USA. Don't believe that has been done by anyone else.

I'm Dee lighted to be viewing it.
by mickeyd
Thu Sep 18, 2014 6:42 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 96
Views: 7474

Re: Online Savings Accounts

Ally 0.87

I believe Ally has an APY of 0.90% now.
by mickeyd
Sat Sep 06, 2014 5:36 pm
 
Forum: Investing - Theory, News & General
Topic: Online Savings Accounts
Replies: 26
Views: 2737

Re: Do you consider your emergency fund part of your portfol

No way. Even tho I carry a significant balance in my cash reserves (don't have a so-called EF), I plan on spending that cash at some time in the immediate future. My investment portfolio is for long-term.
by mickeyd
Sat Sep 06, 2014 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: Do you consider your emergency fund part of your portfolio?
Replies: 50
Views: 3050

Re: Which Vanguard bond fund in my IRA?

Tax-Deferred Roth IRA


Your Roth IRA should be tax free, not deferred'

I recommend the Intermediate Term Bond Idx. No mortgage bonds, pays higher than TBM. BUT, not much difference over the long term, as has been noted here many times.
by mickeyd
Thu Sep 04, 2014 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Vanguard bond fund in my IRA?
Replies: 4
Views: 339

Re: My early 30's Ameriprise portfolio

My friend is a long time passive investor and a regular contributor to this forum. He promises me I will get excellent feedback and thinks hearing advice from others will help further encourage my nascent passive-ness. You owe your friend a steak dinner for directing you here. Maybe even a couple o...
by mickeyd
Wed Sep 03, 2014 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: My early 30's Ameriprise portfolio
Replies: 36
Views: 3404

Re: Longevity Annuities?

Is a longevity annuity just another name for a deferred annuity?
by mickeyd
Wed Sep 03, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longevity Annuities?
Replies: 54
Views: 2347

Re: NFCU 1 year certificate (CD) 5% APY $5k max balance

Thanks I'll be glad to pick up $250.
by mickeyd
Wed Sep 03, 2014 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: NFCU 1 year certificate (CD) 5% APY $5k max balance
Replies: 28
Views: 3345

Re: How low can Vanguard Fees Go?

I look for TSM to continue to reduce the ER as long as more investors continue to pour in $$. Can't see it going any lower than 0.02% tho.

Like someone already said, gotta pay the VG employees a nice wage.
by mickeyd
Fri Aug 29, 2014 8:57 pm
 
Forum: Investing - Theory, News & General
Topic: How low can Vanguard Fees Go?
Replies: 32
Views: 2217

Re: Paying cash for a car or financing

I bought a Toyota Corolla 3 years ago and was intending to pay cash for it. The dealer offered a 36 month, 0% deal due to our FICO score. I kept my cash and financed it. My final payment is in September.

Sometimes it pays to finance a purchase and pace yourself.
by mickeyd
Fri Aug 29, 2014 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a car or financing
Replies: 7
Views: 909

Re: Possible mail scam?

"Sincerely, Microsoft Corporation".


If Bill Gates did not sign it personally, I would just ignore it.
by mickeyd
Thu Aug 28, 2014 7:06 pm
 
Forum: Personal Consumer Issues
Topic: Possible mail scam?
Replies: 12
Views: 1550

Re: Ally Bank CD

I have used Ally to park my ST$ in their OL saving account, but have never been tempted to CD it. It's a solid place to park your cash (FDIC etc), as is any FDIC bank.
by mickeyd
Wed Aug 27, 2014 8:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ally Bank CD
Replies: 12
Views: 1605

Re: S&P500 over 2000

told CNBC on Friday that the S&P 500 may reach 1430 by the year 2020.


That may still turn out to accurate. Only 5 1/2 years to go.
by mickeyd
Mon Aug 25, 2014 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5442

Re: Tipping tradespeople

I recently spent <$18K for new windows throughout the house. The work was done by one guy with the occasional assistance of his brother. When the work was done, I shook his hand and thanked him for the great work and palmed him a $20 bill. When a 3rd party survey company contacted me about the work ...
by mickeyd
Sun Aug 24, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Tipping tradespeople [rain gutter installers]
Replies: 27
Views: 2387

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

dolphinsaremammals wrote:
gkaplan wrote:Several months ago, I began volunteering two hours a week at a nearby library.


I'd love to do this, but the union has a contract with the town that prohibits the use of volunteers.



What a sad commentary.
by mickeyd
Sat Aug 23, 2014 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Do you do any volunteer work?
Replies: 32
Views: 2364

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: 103
Views: 7562

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: 1877

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: 1877

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: 32
Views: 2364

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: 32
Views: 2373

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: 41
Views: 3749

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: 103
Views: 7562

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: 4413

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: 121
Views: 29341

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: 3042

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: 1731

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: 2011

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: 4413

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: 4413

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: 4413

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: 4571

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: 14
Views: 1285

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: 2383

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: 5985

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: 5985

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: 5985

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: 3446

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: 408

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: 1852

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: 1852

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: 1852

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: 1559

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: 536

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: 9537

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: 5737

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: 1096

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: 6432
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