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Re: Discover Card - New Deal

The cash rewards for any amount, is that a permanent change or just for the holidays? They said permanent but I'm sure that means as long as they keep the policy. There is no stated expiration date. I agree that it is a good deal for DC users such as myself. I use my cashback money to always reduce...
by mickeyd
Tue Nov 25, 2014 3:28 pm
 
Forum: Personal Consumer Issues
Topic: Discover Card - New Deal
Replies: 6
Views: 596

Re: Vanguard Money Market Fund - keep open ?

We had a PMMF account for savings etc. for many years but eventually transferred it all over to an Ally online account that now pays about 0.90% APY. It was kinda a no brainer.
by mickeyd
Tue Nov 25, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market Fund - keep open ?
Replies: 12
Views: 694

Re: Paid off our Mortgage this evening!

Nice going.

Paying off my mortgage early 20 years ago was one of my smartest financial decisions.
by mickeyd
Sun Nov 23, 2014 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 75
Views: 7525

Re: Jim Cramer dad & LTCI

I hate those guys because they tried to beat their obligations.


I'm surprised that Jim does not understand that this is the way that insurance companies stay in business. I wonder how many insurance stocks he owns or has owned in the past?
by mickeyd
Sun Nov 23, 2014 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jim Cramer Dad & LTCI
Replies: 30
Views: 3354

Re: What percent "Boglehead" are you?

All I know is that I'm 100% me. If Bogleheads agree with my investment philosophy, that's dandy.
by mickeyd
Sun Nov 23, 2014 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 112
Views: 5513

Re: POLL: Do you personally own a cell phone?

I voted no though I do own one. DW uses the one we bought a few years ago for emergencies. AT&T sends us a bill for about $2/month if we make no calls. (That $2 is all fees) DW seldom uses it. I have never had a need to use it.
by mickeyd
Sat Nov 22, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 52
Views: 2730

Re: Index Fund Return Assumptions

The more conservative you are in your assumptions, the fewer surprises you will see in the future. Bogle says that using a 2.5% yield for 10 year bonds looks about right. You might consider that number rather than 4%.
by mickeyd
Thu Nov 06, 2014 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Index Fund Return Assumptions
Replies: 7
Views: 503

Re: Where to with Cash?

Question: is there a consensus among contributors here as to where to go now and when for balance of 2014?


Hi Jim.

Just invest it according to your IPS.

Stay the Course.
by mickeyd
Sat Nov 01, 2014 2:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to with Cash?
Replies: 34
Views: 2766

Re: 401k millionaire

Don't recall if I was ever a 401k millionaire but when DW and combined all of our various accounts years ago into a single portfolio @ VG I was kinda surprised that it all added up to a number that included 2 commas. And it just keeps growing. :wink:
by mickeyd
Sat Nov 01, 2014 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k millionaire
Replies: 27
Views: 5013

Re: BOGLEHEAD CONTEST -- October 31, 2014

I like my chances for the final push in 2014. A drop of about 80 points and I am the champ.
by mickeyd
Sat Nov 01, 2014 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- October 31, 2014
Replies: 3
Views: 712

Re: Does it matter when I buy Vanguard?

As a long time owner/investor @ Vanguard I am livid that I was not advised that the company was for sale. Thanks for the heads up.
by mickeyd
Sat Nov 01, 2014 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does it matter when I buy Vanguard?
Replies: 13
Views: 1800

Re: Short term reserve question.

My short term reserves consist of 70% Ally online savings act (APY 0.90%), a $5000 CD NFCU (APY 5%) and the rest in VG STB fund (SECY 1.00%). All current returns stink but nothing I can do about it.
by mickeyd
Sat Nov 01, 2014 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Short term reserve question.
Replies: 22
Views: 1436

Thinking Money~Behavioral Economics

I recently posted this to ER.org and think that BH would enjoy it also. Dave Coyne and FINRA have produced a pretty sweet video for PBS that I recently viewed. It's all about a subject near and dear to the hearts of many folks that post here~ Behavioral Economics . The part that I liked best is abou...
by mickeyd
Thu Oct 30, 2014 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thinking Money~Behavioral Economics
Replies: 2
Views: 391

Re: [Purchasing a] hearing aid

In July 2014 I received a HA from the VA. It is made by UNTRON (Quantum2 Pro S BTEW). I was advised that it is worth $7000. Also received a pack of 60 batteries and HA Dehumidifier to store HA in at night. I am told that the VA will provide all supplies and servicing for my lifetime and replacement ...
by mickeyd
Thu Oct 23, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] hearing aid
Replies: 22
Views: 1437

Re: POLL: How fulfilling is your retirement?

I expected ER to be easy-peasy and it is. Kinda surprised tho, that my financial activities over the years have worked out better than I had assumed. Like I said easy-peasy. 8-)
by mickeyd
Sun Oct 19, 2014 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 34
Views: 3054

Re: Health care tilt

This is a bit OT I know, but I have always had a problem with calling this "Healthcare" when it is actually "sickcare or illcare ". No one needs care when they are healthy. Same thing with life insurance, when it is actually death insurance. All of this was probably sorted out ge...
by mickeyd
Sat Oct 18, 2014 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: Health care tilt
Replies: 77
Views: 4018

Vanguard Survey warning

I received an email recently indicating that VG wanted me to take a survey. Vanguard Flagship Services recently sent you an invitation to complete a brief survey. Your valuable feedback and perspective of Vanguard and Flagship Services will help us assess how we are doing and where we may be able to...
by mickeyd
Sat Oct 18, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Survey warning
Replies: 9
Views: 1365

Re: Question re: RMD

Can I take the RMD piecemeal


If by piecemeal you mean monthly (or qy or sa), the answer is yes. IRS only cares about how much you receive in any calendar year.
by mickeyd
Mon Oct 13, 2014 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question re: RMD
Replies: 19
Views: 1285

Re: Retired and end of month checking account balance?

I reconcile my checking account monthly upon receiving the statement in the mail. This is something I have done for about 50 years, so I doubt I will even change it much. I have a simple Excel program that I have used for about 25 years, which simplifies it all. After it balances (or comes close eno...
by mickeyd
Mon Oct 13, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retired and end of month checking account balance?
Replies: 21
Views: 2502

Re: Headed for a 300+ point loss today?

A Panda is not really a bear. More like a racoon, I believe.

So there's that...
by mickeyd
Mon Oct 13, 2014 3:16 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 461
Views: 34370

Re: Headed for a 300+ point loss today?

subham wrote:Does a newbie-boglehead who is about to add 2nd of the 6 installments of DCA into their new AA should feel happy that market dropped since the 1st one a month ago?


20 years from now it will not make a difference at all.
by mickeyd
Thu Oct 09, 2014 3:51 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 461
Views: 34370

Re: Getting back into the market

1. Mutual funds
2. All @ once
3. TSM 40%, TBM 40%, TI 20%
4. 3
by mickeyd
Thu Oct 09, 2014 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting back into the market
Replies: 32
Views: 4509

Re: Keep vanguard mutual fund or move to the dark side (ETFs

My question is, should I move the money from the mutual funds to the respective ETFs for the lower ER or just leave them be


Since the ERs are about the same as Admiral shares, what are you trying to gain by doing this?
by mickeyd
Thu Oct 09, 2014 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Keep vanguard mutual fund or move to the dark side (ETFs)
Replies: 13
Views: 1487

Re: Sixth anniversary of worst week ever for stocks

So... what did you do in October 2008
?



I must have been asleep that week. Took no action, once again.
by mickeyd
Thu Oct 09, 2014 3:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sixth anniversary of worst week ever for stocks
Replies: 51
Views: 5390

Re: Retirees only, what was you average investment return?

Been retired for about 10 years. My investment return is whatever my diversified mix of a few Vanguard funds ends up paying me. :moneybag
by mickeyd
Thu Oct 09, 2014 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees only, what was you average investment return?
Replies: 49
Views: 3525

Re: It's a good day to be Heavy in Bonds ---- 10-09-2014....

BahamaMan wrote:It's about how much you didn't lose! :beer


If you did not cash out, it really makes no difference anyway.
by mickeyd
Thu Oct 09, 2014 3:13 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be Heavy in Bonds ---- 10-09-2014.......
Replies: 13
Views: 1694

Re: Headed for a 300+ point loss today?

Another good day not to go to VG account "just to take a peek."
by mickeyd
Thu Oct 09, 2014 3:10 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 461
Views: 34370

How to win the loser's game #6

Many of you may have seen this video but it's still worth another peek. Video includes comments by Sharpe, Bogle, Fama, McNabb, Buffet, Swedroe and others.


http://squaredawayblog.bc.edu/squared-a ... investing/
by mickeyd
Thu Oct 09, 2014 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: How to win the loser's game #6
Replies: 2
Views: 989

Re: Buffett vs. Bogleheads

he would invest 90% of assets in a diversified stock fund (maybe 500 index) and 10% in bonds, for a family relative. If memory serves correct this was in reference to Mrs. B. No doubt the old gal has a nice little stash of her own that Mr. B may or may not know about. Also after Mr. B is out of the...
by mickeyd
Thu Oct 02, 2014 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett vs. Bogleheads
Replies: 46
Views: 3921

Re: Is there an "upper limit" on Boglehead theory?

Boglehead action (not sure "BH theory" works) should be even more positive for those of us with much larger portfolios. With a larger portfolio, a small ER saves you even more in investment costs. What's not to like?
by mickeyd
Thu Oct 02, 2014 3:30 pm
 
Forum: Investing - Theory, News & General
Topic: Is there an "upper limit" on Boglehead theory?
Replies: 58
Views: 4499

Re: Buying first Index Fund New Investor

Welcome to the show mattwes12. Your idea will work well as long as you continue to make regular contributions, stay the course and follow Boglehead advice.

Good luck.
by mickeyd
Tue Sep 30, 2014 7:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying first Index Fund New Investor
Replies: 4
Views: 325

Re: How to solve people who don't save enough?

I've had friends/relatives who really just needed someone to sit down with them, Many of us have tried this tactic but it is usually rejected by those who don't get it. Most BHs have ended up here due to the fact that they have had this philosophy for a long time and realize that most folks will ne...
by mickeyd
Tue Sep 30, 2014 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to solve people who don't save enough?
Replies: 11
Views: 1283

Re: Will you invest in Bill Gross's new bond fund?

I have been sleeping well with 50% of my stash in VG I-T bond fund for 10+ years and a bit in ST bond fund. Not in the mood to make any irrational changes at this time. Bill G is nothing to me. 8-)
by mickeyd
Tue Sep 30, 2014 7:23 pm
 
Forum: Investing - Theory, News & General
Topic: Will you invest in Bill Gross's new bond fund?
Replies: 51
Views: 3002

Re: Why Aren't Waterbeds Popular Anymore?

Leaks?

Cost of heating up all of that water over and over again?

Sloshing water encourages trips to toilet?

All just guesses, as I have never owned one. 8-)
by mickeyd
Tue Sep 30, 2014 7:15 pm
 
Forum: Personal Consumer Issues
Topic: Why Aren't Waterbeds Popular Anymore?
Replies: 13
Views: 1470

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 1:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: AXA Equi-Vest Help
Replies: 2
Views: 319

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 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Quarterly Dividends in September
Replies: 40
Views: 5289

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 2:44 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 104
Views: 8688

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 5:42 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 104
Views: 8688

Re: Online Savings Accounts

Ally 0.87

I believe Ally has an APY of 0.90% now.
by mickeyd
Sat Sep 06, 2014 4:36 pm
 
Forum: Investing - Theory, News & General
Topic: Online Savings Accounts
Replies: 26
Views: 2924

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 4:23 pm
 
Forum: Investing - Theory, News & General
Topic: Do you consider your emergency fund part of your portfolio?
Replies: 50
Views: 3122

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 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Vanguard bond fund in my IRA?
Replies: 4
Views: 361

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 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: My early 30's Ameriprise portfolio
Replies: 36
Views: 3573

Re: Longevity Annuities?

Is a longevity annuity just another name for a deferred annuity?
by mickeyd
Wed Sep 03, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longevity Annuities?
Replies: 54
Views: 2535

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 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: NFCU 1 year certificate (CD) 5% APY $5k max balance
Replies: 28
Views: 3456

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 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: How low can Vanguard Fees Go?
Replies: 32
Views: 2333

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 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a car or financing
Replies: 7
Views: 922

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 6:06 pm
 
Forum: Personal Consumer Issues
Topic: Possible mail scam?
Replies: 12
Views: 1576

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 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ally Bank CD
Replies: 12
Views: 1719

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 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5652

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 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Tipping tradespeople [rain gutter installers]
Replies: 27
Views: 2450
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