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Re: [Poll] How long did you hold primary residence mortgage?

We had a 15 year mortgage (I thing it was about 6-7%) and repaid it in about 7 years.
by mickeyd
Thu Mar 12, 2015 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] How long did you hold primary residence mortgage?
Replies: 34
Views: 2669

Re: When will / did you claim Social Security benefits?

I do believe, that the most of the Bogleheads posting on this thread, will make it past 90 years of age.


Thanks I needed that. I will not question your source nor ask for a link to verify it.
by mickeyd
Thu Mar 12, 2015 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 133
Views: 9616

Re: When will / did you claim Social Security benefits?

I cast my vote for age 70 as most folks here have.

I actually received my first SS deposit at age 66 (DW's age 62) when I piggy-backed her early SS claim and claimed myself a spouse for 4 years. I let my account cruise along while collecting 8% retirement credits until age 70.
by mickeyd
Mon Mar 09, 2015 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 133
Views: 9616

Re: Vanguard TSM Fund Question

The 12/31/14 annual report indicates that TSM has 3796 stocks. Some of them are surely NASDQ issues.
by mickeyd
Sun Mar 08, 2015 4:52 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard TSM Fund Question
Replies: 4
Views: 358

Wealthy cardholders prefer cash-back rewards

I have always used cash-back as my CC rewards option and am surprised that it is 3X more popular than other choices. I figure that I can always change it to something else, but I never have. I guess I like the idea that my CC company is paying part of my monthly bills. Cash was nearly three times mo...
by mickeyd
Sun Mar 08, 2015 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wealthy cardholders prefer cash-back rewards
Replies: 33
Views: 4198

Re: Taylor Larimore Honored

Stay the Course has new meaning today.

Congrats Taylor. Happy sailing.
by mickeyd
Tue Mar 03, 2015 4:47 pm
 
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 4874

Re: Retirement - Surprises, Solutions

Looking back over the last 10+ years of retirement I am still pleasantly surprised that we have an over-abundance of income as well as a stout investment account that will easily provide for our health and welfare forever. All this is supported by a very unsophisticated, stubby pencil long-term savi...
by mickeyd
Sat Feb 28, 2015 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Retirement - Surprises, Solutions
Replies: 30
Views: 3762

Re: Larry Swedroe on Total Bond

The forums seem like most bogleheads are recommending the Total Bond Fund for bond allocation. Am I reading this correctly? As I'm sure that you know BHs do not march in lock-step when it comes to many (most?) investment ideas. I prefer the Intermediate-Term Bond Index fund with a small mix of TIPS...
by mickeyd
Wed Feb 25, 2015 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Larry Swedroe on Total Bond
Replies: 29
Views: 7993

Re: Advice on 403(b)/457(b) Providers

who would I approach first; my HR department or the consulting firm that administers the plans? If the answer is my HR department Remember that the "consulting firm" has a financial stake in this and (hopefully) the HR department does not. This is a fund for YOUR retirement and you should...
by mickeyd
Wed Feb 25, 2015 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on 403(b)/457(b) Providers
Replies: 12
Views: 444

Re: Tax Quiz

80%. Surprised that I did not get 100%. That was fun because it was not that easy after all. :mrgreen:
by mickeyd
Wed Feb 25, 2015 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Quiz
Replies: 22
Views: 1356

Re: Advice on 403(b)/457(b) Providers

Toons wrote:Personally I would cross all off,,, other than
Fidelity
Tiaa-Creef. :happy



I agree but why not ask them why Vanguard is not a selection?
by mickeyd
Wed Feb 25, 2015 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice on 403(b)/457(b) Providers
Replies: 12
Views: 444

Re: Lower ER or better performance

The way I look at it is that by selecting funds with a low ER is one of the few ways that I can actually have a direct action to increase my total portfolio return. I am willing to risk picking the wrong AA.
by mickeyd
Wed Feb 25, 2015 11:54 am
 
Forum: Investing - Theory, News & General
Topic: Lower ER or better performance
Replies: 16
Views: 942

Re: Safety of Vanguard online access

In the March 2015 issue of Consumer Reports it reads: "Vanguard does have a voluntary online fraud policy that promises to reimburse assets stolen in unauthorized online transactions." Later on "Vanguard requires ...that you follow certain safeguards, which you should be doing anyway....
by mickeyd
Wed Feb 25, 2015 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Safety of Vanguard online access
Replies: 28
Views: 1749

Re: Retiree's withdrawing from a taxable account... question

a better option? Unless you need the $100K mentioned in #2 above to live on, you might consider placing all $175K in the TSM and have the quarterly dividends sent to your checking account. That way you would have a small income increase (~$3500/yr ) but could draw on your TSM account in an emergency.
by mickeyd
Wed Feb 25, 2015 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiree's withdrawing from a taxable account... question.
Replies: 2
Views: 338

Re: Why does Vanguard sell anything other than SP500 Index f

Why do vanguard sell other funds at all?? Won't it be better for Vanguard to sell only one SP500 index fund?


There are many roads to Dublin.

Chocolate ice cream, vanilla ice cream, rocky road ice cream etc.
by mickeyd
Wed Feb 25, 2015 11:16 am
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard sell anything other than SP500 Index fund?
Replies: 18
Views: 1885

Re: [favorite] Boglehead quotes

longinvest wrote:I think that this thread is about great (favorite) quotes created by forum members, not about all favorite quotes.


Isn't Jack a forum member?
by mickeyd
Tue Feb 24, 2015 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: [favorite] Boglehead quotes
Replies: 42
Views: 3916

Re: Taking RMD this year

Like OP I will begin RMD later on this year but never have thought about taking it early vs. late. I'm taking it late because it delays the process a bit longer (Dec vs. Jan). There must be some IRS provision that allows for a delay. What if I wait until 12/31 to take my RMD but have a heart attack ...
by mickeyd
Tue Feb 24, 2015 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taking RMD this year
Replies: 13
Views: 959

Re: [favorite] Boglehead quotes

"The relentless rules of humble arithmetic."

"The tyranny of compounding costs."


I have both of these written on a Post-It note on my desk so that I will never overlook the obvious.
by mickeyd
Tue Feb 24, 2015 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: [favorite] Boglehead quotes
Replies: 42
Views: 3916

Re: Dilbert on Technical Analysis

Thanks.

Scott Adams always gets it. :P
by mickeyd
Mon Feb 23, 2015 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: Dilbert on Technical Analysis
Replies: 1
Views: 718

Re: What Book Are You Currently Reading? Part VI

Liar's Poker by Michael Lewis

About Wall Street goings-on (especially @ Salomon Brothers bond desk on 41st floor of WTC). Book has been around for a while but I like Lewis's later books and decided to read his first one.
by mickeyd
Sun Feb 22, 2015 6:55 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 561
Views: 77139

Re: "Term-Like" Universal Life Policy

If you look at the fine print, you'll find some of the expected horrible fees and expenses in a UL (ex: 25%, yes 25% premium load). Term policies have their own fees too, which are usually harder to ascertain, and the ability to comparison shop easily helps keep those fees down. Ask the agent how m...
by mickeyd
Sun Feb 22, 2015 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Term-Like" Universal Life Policy
Replies: 8
Views: 511

Re: Define: participate in a retirement plan at work

What was the employer's response when she asked them about this? I agree that it seems to be a conflict.
by mickeyd
Tue Feb 17, 2015 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Define: participate in a retirement plan at work
Replies: 43
Views: 2366

Re: turbo-tax and vanguard

Has anyone had good/bad experience using turbo-tax online with vanguard. It seems a pretty cheap deal


I used TT @ VG (Flagship) to do my taxes for 2014 and for the last 10 years or so. It was pretty cheap $0.00.
by mickeyd
Mon Feb 16, 2015 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: turbo-tax and vanguard
Replies: 7
Views: 892

Re: Which of these 3 Things Should I Focusing On First?

I voted to get rid of the debt but as others have noted, it's difficult to give solid advice w/o much information. The sooner you get rid of the debt, the better off you will be.
by mickeyd
Mon Feb 16, 2015 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which of these 3 Things Should I Focusing On First?
Replies: 10
Views: 1020

Re: What to do with left over money.

Should I just keep it in cash or put it all in a Total Market fund or is there another option I am missing. Prior to retirement about 10 years ago, I imagined that I would be scraping by when I retired. What a pleasant surprise when all of my separate "irons in the fire" have produced as ...
by mickeyd
Mon Feb 16, 2015 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with left over money.
Replies: 11
Views: 799

Re: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM

THANKS to all of the original folks (Taylor, Mel etc) that migrated from M*DH and established this gem-of-a-place. 8 years does not seem like that much. I was sure that I have been posting here for 20 years or so. Wrong again. :oops:
by mickeyd
Mon Feb 16, 2015 2:22 pm
 
Forum: Investing - Theory, News & General
Topic: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM
Replies: 30
Views: 2601

Re: New to Index Funds

Welcome here justjenn, So far you have received great advice from other Bogleheads. Follow it. Like others, I too prefer Total Stock Market Index fund to the VG500 because to more-closely represents the entire US stock market (thousands of stocks vs. 500). Read as many Boglehead recommended books as...
by mickeyd
Mon Feb 16, 2015 2:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to Index Funds
Replies: 12
Views: 1039

Compounding 101-With Kittens

Like many other Bogleheads, I arrived at this site many moons ago after I had formulated my own investment theories, no matter how incorrect or flawed. During that stumbling process I some how accurately understood the power of compounding, not unlike Dr. Einstein. This interesting article takes tim...
by mickeyd
Mon Feb 16, 2015 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: Compounding 101-With Kittens
Replies: 8
Views: 1233

Re: Long term care insurance?

I'm wondering if using the same large sum you might spend on LTCI to buy into a CCRC might not be a better deal? (Continuing Care Retirement Community). Has anyone compared these two strategies? Not a fan of LTCi but we are seriously considering a local CCRC within the next 5 years or so. CCRCs tha...
by mickeyd
Sat Feb 14, 2015 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance?
Replies: 37
Views: 3557

Re: Dave Ramsey says you shouldn't own bonds?

The way I have heard him describe the way he uses the S&P 500 fund is that it is where he parks his money that he is going to use to buy real estate in the near future.


What a crazy way to invest short term $. To each his own, I guess.
by mickeyd
Sat Feb 14, 2015 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says you shouldn't own bonds?
Replies: 64
Views: 9143

Re: Long term care insurance?

I personally wonder why so many BHer's want to assume so much of their future investment and health risks?


Can you expand on that idea? Not exactly sure what you are saying.
by mickeyd
Wed Feb 11, 2015 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance?
Replies: 37
Views: 3557

Re: Dave Ramsey says you shouldn't own bonds?

Unless I'm wrong, Dave is in business to make $$ for himself. He says he has been bankrupted a couple of times. Don't count on him going down a third time. 8-)
by mickeyd
Tue Feb 10, 2015 6:55 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says you shouldn't own bonds?
Replies: 64
Views: 9143

Re: I'm not a bad Boglehead

KlangFool wrote:I bought one ticket...

KlangFool


After this thread I considered it, but the odds of me being killed in an auto accident on the way to the 7-11 to buy the ticket is way too much risk for me today. I'll stay home and be a loser.
by mickeyd
Tue Feb 10, 2015 6:50 pm
 
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 6370

Re: shall I transfer roth IRA from fedility to Vanguard?

In my opinion it's a personal decision. DW and I have all of our accounts @ Vanguard. This makes it very easy to manage. I like it when simplicity rules.
by mickeyd
Tue Feb 10, 2015 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: just starting my roth IRA: which funds to choose?
Replies: 12
Views: 834

Re: Rejected from disability insurance

was rejected from all 5 carriers


Evidently insurance companies do not wish to pay future claims.
by mickeyd
Sun Feb 08, 2015 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rejected from disability insurance
Replies: 18
Views: 1931

"770" Account

There must be something that I am missing about this kind of account since BHs have yet to be stumped when it comes to investing, but I have never heard of this and assume that it is a sham. Imagine. An account that (if set up the right way)… 1.Has paid out, on average, for 121 straight years. 2.Giv...
by mickeyd
Sat Feb 07, 2015 5:12 pm
 
Forum: Investing - Theory, News & General
Topic: "770" Account
Replies: 4
Views: 593

Re: Navy Federal Money Market Savings Account

Hello, I am still very new to all of this, but I recently opened a Navy Fed Money Market Savings account - .40% APY - use as Emergency Fund. I've reached my goal of being able to pay rent on last month's income. Each month I will be transferring my total rent $1,256 into my money market savings acc...
by mickeyd
Sat Feb 07, 2015 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Navy Federal Money Market Savings Account
Replies: 8
Views: 1132

Re: Transfer Inherited Traditional IRA

nan24 wrote:Thanks Hoppy. Yes this has to be treated very carefully. I will give them a call on Monday! :D



I agree since inherited IRA falls within RMD rules and need to be distributed .
by mickeyd
Sat Feb 07, 2015 2:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transfer Inherited Traditional IRA
Replies: 9
Views: 786

Re: Vanguard Total Bond - Not reccomended by Swedroe??

When I transferred all of my accounts to VG 10+ years ago I selected Intermediate-Term Bond Index fund over the TBM for the sole reason that I did not like the GNMA bond inclusion at all. The I-T Index solves that issue for me and I have been delighted that it has preformed as I had hoped. That said...
by mickeyd
Sat Feb 07, 2015 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond - Not reccomended by Swedroe??
Replies: 23
Views: 3823

Re: Dave Ramsey says you shouldn't own bonds?

"Allocate between growth fund, income fund, and international stocks, but don't buy individual or bond funds". I wonder what Dave is referring to when he is ok with "income fund". Doesn't that imply that it's a bond fund? I generally equate income funds with bonds. As others hav...
by mickeyd
Sat Feb 07, 2015 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says you shouldn't own bonds?
Replies: 64
Views: 9143

Re: POLL: How Will You Complete Your 2014 Taxes?

I still have not received a 1099-B (stock sale) that I need to complete my FIT. Is the IRS deadline for this form still 2/16/15?
by mickeyd
Tue Feb 03, 2015 4:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Will You Complete Your 2014 Taxes?
Replies: 69
Views: 4896

Re: Jack Bogle: We Need to Fix the Bond Index

columbia wrote:Is Vanguard Intermediate-Term Bond Index Fund Admiral Shares (VBILX) the solution to the stated problem?


That's been my preferred FI fund of choice for over 10 years. Don't like those GinnieMae mortgage bonds in TBM.
by mickeyd
Mon Feb 02, 2015 2:37 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: We Need to Fix the Bond Index
Replies: 89
Views: 9851

Re: Define "High tax bracket"

"High Tax Bracket"= Any tax bracket that is higher than my marginal rate.
by mickeyd
Mon Feb 02, 2015 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: Define "High tax bracket"
Replies: 45
Views: 3808

Re: Are car loans really that bad?

The only car loan that I have had in the last 30 years or so was a 0% 36month deal a few years ago that I accepted rather than paying cash for the new Toyota. Any rate higher than 0% is not acceptable to me. Car dealers probably hate me, but I'll get over it.
by mickeyd
Mon Feb 02, 2015 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are car loans really that bad?
Replies: 86
Views: 6887

Re: Bogleheads has made me obsessive about our money

I have begun to check my Vanguard balances every day. Does anyone else have this problem? No doubt if making daily checks @ VG keeps you happy, have at it. But some of us old timers seldom check our accounts yet are not surprised at the balances when taking an occasional peek at them. We all know t...
by mickeyd
Mon Feb 02, 2015 2:11 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads has made me obsessive about our money
Replies: 41
Views: 5628

Re: POLL: How Will You Complete Your 2014 Taxes?

Plan on using TT again this year. I admit that I am influenced by the free Flagship offer each year.
by mickeyd
Sun Feb 01, 2015 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Will You Complete Your 2014 Taxes?
Replies: 69
Views: 4896

Re: Dealing with pressure for "social donations" at work

What's wrong with saying "No thanks, I won't be buying any (cookies, candy, popcorn etc) this year. I won't be selling any either."
by mickeyd
Sun Feb 01, 2015 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 181
Views: 16901

Re: Northwestern Mutual Roth IRA

hit me with a $450.00 cancellation fee stating "back loaded" funds. I simply had all my money in an S&P 500 fund at NM. Any suggestions? Like many others here, this cost should probably just be chalked up to "cost of financial education". Your Boglehead education, OTOH will ...
by mickeyd
Sun Feb 01, 2015 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual Roth IRA
Replies: 12
Views: 735

Re: Money market vs bonds

I want to get out until things settle down.


Just when will that be?
by mickeyd
Sun Feb 01, 2015 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Money market vs bonds
Replies: 9
Views: 641

Re: Would anyone go 100% bonds if...

Only 96%


Doggone it. That's what I get for rounding up.
by mickeyd
Sun Feb 01, 2015 1:58 pm
 
Forum: Investing - Theory, News & General
Topic: Would anyone go 100% bonds if...
Replies: 41
Views: 3545
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