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Re: Investing my nonretirement money?

Any suggestions?


You're set. As Dr. Bernstein has said "If you've won the game, why keep playing?"

20/80 is not my mix but I am not you. Spend away!
by mickeyd
Sun Dec 21, 2014 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing my nonretirement money?
Replies: 7
Views: 876

Re: Christian CU Certificates %5.00 12-Months

I have never heard of a CU not being NCUA insured. May be too risky for my "safe" $.
by mickeyd
Sat Dec 20, 2014 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Christian CU Certificates %5.00 12-Months
Replies: 20
Views: 2526

Re: S&P index fund moving in wrong direction

I couldn't get a good answer out of Fidelity.


Seems hard to believe. Quarterly distributions is the only logical answer.
by mickeyd
Sat Dec 20, 2014 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: S&P index fund moving in wrong direction
Replies: 7
Views: 1251

Re: How do you define "being rich"?

Rich is something that some other people are.

Rich is also what DW thinks she is.

Me? I'm just happy to be in the conversation.
by mickeyd
Sat Dec 20, 2014 3:54 pm
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 119
Views: 6923

Re: U.S. stocks in freefall

VictoriaF wrote:
mickeyd wrote:Why do we keep digging up this old dog?


Long threads strengthen the sense of community.

Victoria



Well I do feel stronger, now that you mention it.
by mickeyd
Tue Dec 16, 2014 5:09 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1067
Views: 190412

Re: Bogle on CNBC 12-16-2014: 100% USA squity

Thanks for the link. Nothing new but always great to hear Jack speak about anything at all. 8-)
by mickeyd
Tue Dec 16, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle on CNBC 12-16-2014: 100% USA squity
Replies: 35
Views: 3655

Re: U.S. stocks in freefall

Why do we keep digging up this old dog?
by mickeyd
Tue Dec 16, 2014 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1067
Views: 190412

Re: Long term care insurance?

I have never been a fan of LTCi and will never buy it. I will assume that risk myself and spend my assets on other things.
by mickeyd
Tue Dec 16, 2014 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance?
Replies: 23
Views: 1885

Re: SS Spouse along with GPO Question

Thanks to all that responded to my question. I guess SSA was correct this time.
by mickeyd
Tue Dec 16, 2014 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS Spouse along with GPO Question
Replies: 9
Views: 711

Re: How do you factor entitlements into your investing plan?

Since my wife and I, and our employers have contributed nearly half a million dollars to SS and medicare It's my understanding that those contributions went to pay the benefits of retirees in past years. Yours and mine will come from future contributions. Unless there is really a lock box someplace.
by mickeyd
Tue Dec 16, 2014 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you factor entitlements into your investing plan?
Replies: 52
Views: 4481

Re: How do you factor entitlements into your investing plan?

Therefore the safest assumption is to assume we wont receive anything, and anything we do receive is just an added bonus.


That's about the way that I decided to do it in 1970. Today @ age 70 we have all kinds of income flowing in. It turns out that pensions and SS were fully funded.
by mickeyd
Sat Dec 13, 2014 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you factor entitlements into your investing plan?
Replies: 52
Views: 4481

SS Spouse along with GPO Question

When DW and I applied for SS coverage 4 years ago I was age 66 and DW was 62. She applied early and I applied as a spouse and delayed my SS until age 70. Since DW qualifies for a WEP/GPO, her monthly SS income was reduced at that time by $X . As I am now age 70, I have applied for my benefits (under...
by mickeyd
Sat Dec 13, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS Spouse along with GPO Question
Replies: 9
Views: 711

Re: GEICO vs. USAA auto insurance

I have been a USAA member for 40+ years and receive annual credits/debits to my subscribers account that are applied to reduce my net auto/HO insurance premiums by hundreds of dollars each year. No reason to make a change.
by mickeyd
Sat Dec 13, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: GEICO vs. USAA auto insurance
Replies: 29
Views: 3148

Re: Don't Peek [at Your Portfolio Balance]

I follow financial news pretty closely but seldom take the time to click on my Vanguard site and check on my stash. This may or may not change next year when I begin RMD and expect that it may change my curiosity about my portfolio balance. My RMD activity will probably not be more than making an ex...
by mickeyd
Sat Dec 13, 2014 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: Don't Peek [at Your Portfolio Balance]
Replies: 33
Views: 3894

Re: [Merriman] Why Vanguard Total Stock Market isn’t the bes

"But this fund falls far short of its "total market" title


The name of a fund is not that important is it? Look at the TBM fund. It does not include TIPS, yet it has been called Total all of it's life. It's what is inside of the fund that truly describes it.
by mickeyd
Thu Dec 11, 2014 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 155
Views: 18971

Re: Term Life - Principal Financial good company?

My accountant is affiliated with them


Probably a good reason to not go with PF. Sounds like a possible conflict of interest on accountant's part.
by mickeyd
Sun Dec 07, 2014 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life - Principal Financial good company?
Replies: 6
Views: 421

Re: Dave Ramsey Only Invests in Mutual Funds that Beat the S

Dave is in business to make money for himself and his family. Never forget this. 8-)
by mickeyd
Fri Dec 05, 2014 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Only Invests in Mutual Funds that Beat the S&P
Replies: 23
Views: 3272

Re: Vanguard Turbo Tax prices anounced

Flagship Services and Asset Management Services clients will receive complimentary access to the Federal: Basic, Federal: Deluxe, and State: Basic products.


Looks like it's free for Flagship folks once again.
by mickeyd
Fri Dec 05, 2014 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 57
Views: 7781

Re: Conservative portfolio results?

The Fin adv is a nice guy, not looking forward to calling him with a "you're fired!" LOL Being a nice guy is a large part of his salesmanship. If he were not a nice guy you would not be paying him so much. Firing a financial advisor happens a million times a day. It's part of the biz. Do ...
by mickeyd
Wed Dec 03, 2014 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Conservative portfolio results?
Replies: 41
Views: 3619

Re: AA and Pension?

what are others' thoughts on how I should approach my AA and how to factor my generous pension into the equation? My pensions along with SS pay for for all of my monthly expenses, and then some. I also am a fortunate recipient of a number of COLAd DB plans that has allowed me to be more aggressive ...
by mickeyd
Sun Nov 30, 2014 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA and Pension?
Replies: 31
Views: 2823

Re: Unbroken!

Read it about a year ago. Is there a rating better than great? It will probably be one of the few movies that I see this year.
by mickeyd
Fri Nov 28, 2014 6:54 pm
 
Forum: Personal Consumer Issues
Topic: Unbroken!
Replies: 20
Views: 4151

Re: POLL: Attitude Towards Risk

Choice III~ Stay the course
by mickeyd
Wed Nov 26, 2014 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Attitude Towards Risk
Replies: 75
Views: 3959

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: 13
Views: 2038

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: 17
Views: 1543

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: 8984

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: 3593

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: 120
Views: 7885

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: 2940

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: 514

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: 2807

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: 5066

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: 716

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: 1816

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: 1458

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: 394

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: 1529

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: 3072

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: 4125

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: 1372

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: 1453

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: 2517

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: 464
Views: 36414

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: 464
Views: 36414

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: 4744

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: 1514

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: 5597

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: 3579

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: 1708

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: 464
Views: 36414
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