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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: 19
Views: 1379

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: 19
Views: 1379

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: 1490

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: 485

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: 46
Views: 4460

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: 5467

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: 1076

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: 6189

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: 1081

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: 6189

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: 3466

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: 1689

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: 6972

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: 1620

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: 945

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: 2098

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: 3725

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: 3343

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: 7244

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: 3586

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: 6314

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: 6349

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: 6314

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: 3847

Re: Continue subscribing to local newspaper?

I've been a subscriber to the local fish wrap for almost 30 years. After an unannounced increase a year or so ago I got mad and almost cancelled. I still receive it but only Wed-Sun. I rather enjoy the relaxation of reading the paper as I gulp my coffee in the AM. Old habits die hard. They recently ...
by mickeyd
Sat Jul 05, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 6210

Re: BOGLEHEAD CONTEST: Mid-Year Report

There are no trophies or rewards for half time leads. I'm hoping for a big correction during the next 6 months that makes my current place (180) look like a stroke of genius.

Aww, who am I kiddin... :? .
by mickeyd
Sat Jul 05, 2014 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST: Mid-Year Report
Replies: 22
Views: 1851

Re: Bucket Strategy for Retirement. Please comment

I agree that buckets strategy adds a level of complexity to investing that I did not need. If it helps you, go for it.

Here is a link to Boomers Braintrust who are the folks that love those buckets.

http://www.moneybizlife.com/shows/boome ... 7B6_ZMo4c9
by mickeyd
Sun Jun 29, 2014 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bucket Strategy for Retirement. Please comment
Replies: 34
Views: 3831

Re: Rachel is everywhere!

I have not received a call from Rachel in years but have received other calls from Robogals that were (I assume) associates of hers.
by mickeyd
Sat Jun 28, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: Rachel is everywhere!
Replies: 10
Views: 1358

Re: Suze Orman or Dave Ramsey?

I prefer Boomers Braintrusthttp://www.moneybizlife.com/shows/boomers-braintrust/#.U68UFpMo4c8 to either of those two TV offerings. It's on cable (TWC) under Youtoo TV. Those guys often give good insight and advice tho I don't agree with all of their ideas.
by mickeyd
Sat Jun 28, 2014 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Suze Orman or Dave Ramsey?
Replies: 85
Views: 16314

Re: [Poll] Have you taken any Investments course?

Q: If there's a college level course that teaches the theory behind the BH philosophy such as indexing, will you take it?


Probably not. I already know about BH philosophy etc.
by mickeyd
Wed Jun 25, 2014 6:51 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Have you taken any Investments course?
Replies: 60
Views: 2842

Re: [Poll] Have you taken any Investments course?

I voted yes but most of my recent reading (10 years) has been on my own and has been much more beneficial than that long-ago book learnin.
by mickeyd
Sat Jun 21, 2014 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Have you taken any Investments course?
Replies: 60
Views: 2842

Re: Gawker Article Linking to Bogleheads

Nothing new in the article but most of the info seems to me pretty accurate.
by mickeyd
Fri Jun 13, 2014 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: Gawker Article Linking to Bogleheads
Replies: 3
Views: 760

Re: The 2 comma paradox

I have no idea when I entered the two comma club but my plans are to continue membership until I am living in a dirt house. 8-)
by mickeyd
Sat Jun 07, 2014 3:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: The 2 comma paradox
Replies: 155
Views: 14325

Re: Financial porn - today's edition courtesy of CNN

"he is clearly doing something right"
is a pretty darn vague statement to base an article on. Even a blind squirrel...etc.
by mickeyd
Sat Jun 07, 2014 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: Investment porn - today's edition courtesy of CNN
Replies: 15
Views: 3012

Re: "Moshe Milevsky on Tontines"

Tontines were new to me also. I am not in the market for an annuity or annuity-like device, having a bunch of other income streams, but it's always good to be exposed to new info such as this.
by mickeyd
Sat May 17, 2014 8:20 pm
 
Forum: Investing - Theory, News & General
Topic: "Moshe Milevsky on Tontines"
Replies: 28
Views: 2554

Re: Social Security at 62? Let’s Run the Numbers

As more boomers approach retirement we see more of these offerings, don't we? 10 years ago we saw numerous "how much should I save for retirement" articles.

For BHs it's "nothing new here folks. Just keep on movin".
by mickeyd
Sat May 17, 2014 8:14 pm
 
Forum: Investing - Theory, News & General
Topic: Social Security at 62? Let’s Run the Numbers
Replies: 101
Views: 7402

Re:

Been with USAA since a boot Ensign (over 40 years and three wars ago). We get a check every year, but my wife never tells me about it. A good way to get around that problem is to apply the kickback to reduce your USAA premium. I've done this (apply my senior bonus) for years and DW thinks that I am...
by mickeyd
Wed May 14, 2014 8:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA dividend returns, please explain this.
Replies: 32
Views: 9183

Re: Intermediate bond fund yields are getting ridiculous

Are we there yet or should we continue on?


Choose an asset allocation. Stick with it until it no longer meets your requirements and stay the course. When your requirements change, change it.

Do not make this simple formula any more complex than necessary.
by mickeyd
Wed May 14, 2014 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Intermediate bond fund yields are getting ridiculous
Replies: 20
Views: 2670

Re: POLL: # of funds in ideal/target portfolio?

placeholder wrote:Seems like I'd have more time to deal with the portfolio in retirement than now not that it takes any particular amount of work.


Staying the course with 3 funds or 6 funds won't require any more time, but if it does I'm prepared.
by mickeyd
Wed May 14, 2014 8:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: # of funds in ideal/target portfolio?
Replies: 29
Views: 2289

Re: POLL: # of funds in ideal/target portfolio?

I'm in the process of rejiggering my AA from 6 funds to 3 funds. Plan on slowly dumping SCV, REIT and TIPS. Simplicity looks like a sweet ride when you are approaching 70.
by mickeyd
Mon May 12, 2014 6:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: # of funds in ideal/target portfolio?
Replies: 29
Views: 2289

Re: How much to hold in liquid savings?

Between my Ally online savings account and my Vanguard STB fund I have about 18 months of expenses that I could classify as liquid in addition to the checking account. I seldom make withdrawals from either, but regularly make additions to the Ally account.
by mickeyd
Sun May 11, 2014 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much to hold in liquid savings?
Replies: 10
Views: 1735

Re: Investing in Gold/Silver Coins

What is the annual dividend rate that physical gold and silver are paying these days?
by mickeyd
Sun May 11, 2014 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Gold/Silver Coins
Replies: 37
Views: 2484

Re: The biggest investment risk in retirement - is you

This is a timely article for me as I'm in the process of simplifying my investments. Will probably end up with a 3-fund portfolio eventually.
by mickeyd
Sat May 10, 2014 3:22 pm
 
Forum: Investing - Theory, News & General
Topic: The biggest investment risk in retirement - is you
Replies: 50
Views: 4542

Re: Cash Advance on a credit card

I have no idea how cash advance works at all.


Sounds like you have a bit of reading to do.
by mickeyd
Sat May 10, 2014 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash Advance on a credit card
Replies: 21
Views: 1468

Re: Annuity Recinded!

Why was FINRA involved? Was a VA involved? Sounds like it may well have been "churning" annuity contracts to earn new commissions and start new surrender periods. What I was thinking is that if it was a non-VA the state insurance commissioner would be the actionable authority not FINRA.
by mickeyd
Fri May 09, 2014 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Annuity Recinded!
Replies: 15
Views: 2907

Re: CNBC - [Among millionaires, 4% are doctors]

This is not surprising. Most of us have read The Millionaire Next Door which reflects the investment habits of many DIY investors... like us.
by mickeyd
Fri May 09, 2014 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: CNBC - [Among millionaires, 4% are doctors]
Replies: 100
Views: 10850

Re: Annuity Recinded!

Why was FINRA involved? Was a VA involved?
by mickeyd
Fri May 09, 2014 6:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Annuity Recinded!
Replies: 15
Views: 2907

Re: "The Simplest Wealth Plan Ever"

Thanks Taylor.

Kinda sums it all up~
His strategy, like many durable life concepts, is easy to follow, yet difficult to execute. But if you can stay the course, you’ll be enjoying prosperity when you need it most.
by mickeyd
Wed May 07, 2014 6:50 pm
 
Forum: Investing - Theory, News & General
Topic: "The Simplest Wealth Plan Ever"
Replies: 26
Views: 4666

Re: Piggy bank -> savings account for minor child -- options

I got interested in savings as a kid by saving up $18.75 and buying a $25 US savings bond. I don't think they make those things any more. When I was a teen, I cashed them all in and put it in a passbook savings account. Probably still have some of that money in my Vanguard TSM account.
by mickeyd
Wed May 07, 2014 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Piggy bank -> savings account for minor child -- options
Replies: 16
Views: 983
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