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Re: Can this 4% CD be trusted?

Assuming that the local salesman makes money on a CD sale, where does his pay come from if the bank does not pay a commission/fee to his employer.
by mickeyd
Tue Apr 15, 2014 7:28 pm
 
Forum: Investing - Theory, News & General
Topic: Can this 4% CD be trusted?
Replies: 21
Views: 2394

Re: Jack on Bloomberg Today...

Thanks for the Bloomberg link. Jack was "on" CNBC a few days ago but the connection kept getting cut and they finally aborted the interview after 3 strikes.
by mickeyd
Tue Apr 15, 2014 3:37 pm
 
Forum: Investing - Theory, News & General
Topic: Jack on Bloomberg Today...
Replies: 12
Views: 1633

Re: Can this 4% CD be trusted?

The final line in Alan's article says it all
~Always be skeptical of any financial product, as well as the tactics that people use to sell them.
by mickeyd
Tue Apr 15, 2014 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: Can this 4% CD be trusted?
Replies: 21
Views: 2394

Re: Woodpeckers...I'm desperate!

We had a bad woodpecker problem about 10 -15 years ago that produced about a dozen holes in the non-brick surfaces (mostly 2nd floor) of our place. I finally replaced all of that with HardiPlank (cement fiber) and the birds are pecking elsewhere in the neighborhood now.
by mickeyd
Mon Apr 14, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: Woodpeckers...I'm desperate!
Replies: 52
Views: 3393

Re: What Book Are You Currently Reading? Part V

Washington's Spies. Only about 1/2 way thru. Current TV show Turn is based on the book. Pretty good book and show if you are a history fan.
by mickeyd
Fri Apr 11, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2626
Views: 597798

Re: Should I Switch Tips Fund To Short Term Tips?

I switched from LT TIPS fund to ST TIPS fund (100%) to reduce my duration. You give to get. I wanted more safety.
by mickeyd
Wed Apr 09, 2014 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Switch Tips Fund To Short Term Tips?
Replies: 4
Views: 427

Re: Delaying Social Security - best long-term investment?

she lets me know I will be the first to die.


There's a tried and true way to overcome that. But you may not wish to spend your final days in prison. Just sayin...
by mickeyd
Mon Apr 07, 2014 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Delaying Social Security - best long-term investment?
Replies: 78
Views: 3619

Re: Wall street journal article today

Thanks for the link to the article.
by mickeyd
Sun Apr 06, 2014 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wall street journal article today
Replies: 2
Views: 673

Re: Tree stump removal

I learned this the hard way when I had a front yard stump removed and most of the debris ended up in the neighbors front yard.


Sweet! Less work for yiou.
by mickeyd
Sun Apr 06, 2014 5:07 pm
 
Forum: Personal Consumer Issues
Topic: Tree stump removal
Replies: 25
Views: 1729

Re: Delaying Social Security - best long-term investment?

I turn 70 in about six months and will at that time claim my SS benefit which will also include 4 years of DRCs. DW will also cancel her SS and claim her spousal benefit (it will be double her SS benefit). When planning for retirement in 1970, I decided to totally discount what SS would pay out as I...
by mickeyd
Sun Apr 06, 2014 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: Delaying Social Security - best long-term investment?
Replies: 78
Views: 3619

Re: What age did you reach 100K networth?

I have no clue but 2014 is looking mighty fine.
by mickeyd
Sun Apr 06, 2014 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 31188

Re: RMD question

My wife will turn 70 next year in December


Similar to me. I turn 70 in November. I will take PMD#1 in 2015. I will take RMD #2 in 2016. Plan to run my ideas thru VG CFP in 2015 to get second opinion.
by mickeyd
Sun Apr 06, 2014 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD question
Replies: 8
Views: 463

Re: Help me understand Michael Lewis' "Flash Boys"

First, the SEC is very, very, very slow to pick on on things.


Bernie Madoff surely understood this fact. 8-)
by mickeyd
Sat Apr 05, 2014 2:50 pm
 
Forum: Investing - Theory, News & General
Topic: Help me understand Michael Lewis' "Flash Boys"
Replies: 164
Views: 8321

Re: How Ignorant am I? 5yr on Job, No 401k. 100K collecting

Any feedback would really be appreciated.


A good place to start is to pick up a copy of "Bogleheads Guide to Investing." Next, read it. Next, read it again and mark up the book.
by mickeyd
Fri Apr 04, 2014 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Ignorant am I? 5yr on Job, No 401k. 100K collecting dust
Replies: 36
Views: 3586

Re: Best TV Shows and YouTube channels related to money?

I've been a big fan of The Profit since last year but I have to keep reminding myself "it's still a TV show."
by mickeyd
Fri Apr 04, 2014 3:26 pm
 
Forum: Personal Consumer Issues
Topic: Best TV Shows and YouTube channels related to money?
Replies: 13
Views: 1061

Re: Tree stump removal

I used my old reliable technique when I cut down two chinaberry trees a couple of years ago. Drilled many holes in stumps and visible roots and pour in a bit of gasoline. Reapply petrol when the sprouts come back. I realize that this is not the currently eco-accepted way, but it is the way that works.
by mickeyd
Sun Mar 30, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Tree stump removal
Replies: 25
Views: 1729

Re: Does each 10% in bonds cost 0.5% in return?

What you say doesn't seem accurate. I'd be interested in the comments of bond experts who post here.
by mickeyd
Sun Mar 30, 2014 1:18 pm
 
Forum: Investing - Theory, News & General
Topic: Does each 10% in bonds cost 0.5% in return?
Replies: 23
Views: 1917

Re: Should I keep Life Insurance?

I'm thinking not


I agree with your thinking.
by mickeyd
Fri Mar 28, 2014 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I keep Life Insurance?
Replies: 16
Views: 945

Re: Will this affect your Tipping? [Suggested Tip Amounts]

hit "no tip" — and feel like a jerk


You are letting technology intimidate you! Comeonman! Grow a pair. Making your own decision does not make you a jerk.
by mickeyd
Fri Mar 28, 2014 6:45 pm
 
Forum: Personal Consumer Issues
Topic: Will this affect your Tipping? [Suggested Tip Amounts]
Replies: 123
Views: 7550

Re: "Protecting Your Portfolio From Old Age"

I am a fortunate old man.


And he is a fortunate son.
by mickeyd
Fri Mar 28, 2014 6:39 pm
 
Forum: Investing - Theory, News & General
Topic: "Protecting Your Portfolio From Old Age"
Replies: 19
Views: 2162

Re: Motley Fool Interview

bought A Random Walk Down Wall Street by Burton Malkiel. That book opened my eyes.


I'm rereading this masterpiece for the third time now and can't believe how much I am learning from it. Talk about hidden gems!
by mickeyd
Thu Mar 27, 2014 6:56 pm
 
Forum: Investing - Theory, News & General
Topic: Motley Fool Interview
Replies: 72
Views: 18515

Re: Looking for alternative to ING/Capital One

Another nod for Ally.
by mickeyd
Sat Mar 22, 2014 3:09 pm
 
Forum: Investing - Theory, News & General
Topic: Looking for alternative to ING/Capital One
Replies: 8
Views: 916

Re: Frugality regret: What thing do you regret not spending

Can't think of a single thing. Life is good.
by mickeyd
Sat Mar 22, 2014 3:05 pm
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 104
Views: 12627

Re: You can lead a horse to water... [Giving financial advic

Over the last 50 years or so our family has watched friends and neighbors take cruises, European vacations, rent month-long beach houses, drive luxury cars that are regularly traded in for newer models while we did a lot of camping as we drove our loaded-up station wagon around the region to hike, e...
by mickeyd
Sat Mar 22, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: You can lead a horse to water... [Giving financial advice]
Replies: 43
Views: 3954

Re: market timing by averages

As the bard Angelus359 once said
As we all know, trying to predict the stock market tomorrow is useless.
by mickeyd
Mon Mar 17, 2014 7:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: market timing by averages
Replies: 10
Views: 883

Re: Moving an IRA to 401k

can I move the rollover IRA funds into my new 401k?


Call your IRA investment company (Vanguard?) and ask them to make sure. Most 401(k) plans ar much more expensive than an IRA VG.
by mickeyd
Mon Mar 17, 2014 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving an IRA to 401k
Replies: 5
Views: 314

Re: The Intelligent Investor

Hey Beck,

But the question I have should we edge on decreased risk based on years in a bull market slowly decreasing our stock exposure and increasing the safety of bonds as recommended by Graham?


What does your IPS say about this? Could this be a form of market timing?
by mickeyd
Mon Mar 17, 2014 7:18 pm
 
Forum: Investing - Theory, News & General
Topic: The Intelligent Investor
Replies: 27
Views: 3294

Re: Updated opinions about Ally Bank?

I opened an Ally online savings account about 6 months ago and I have to say that it has been a very good experience. The APY has held up ~started @ 0.85% and is now 0.87% and very user friendly.

I have yet to speak to any human @ Ally. I'm OK with that.

Happy St Paddy's day :beer
by mickeyd
Mon Mar 17, 2014 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Updated opinions about Ally Bank?
Replies: 61
Views: 6119

Re: 10 Reasons to take your pension annuity over a lump sum

I toyed with the idea of taking one of my pensions in cash and investing it myself but did not act on that idea. I'm now very glad that I have one more monthly income stream arriving at my checking account on the first of each month. Handing my IRA/Roth/taxable stash is enough for me and the pension...
by mickeyd
Mon Mar 17, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: 10 Reasons to take your pension annuity over a lump sum
Replies: 34
Views: 4233

Flagship Rep called me

I have had the same Flagship Rep for about 10+ years. Since I do most of my activity online I have seldom had a need to speak with her about specifics. Sometime during 2013 she called me out of the blue and we had a brief and pleasant general conversation. She seemed very conversant, knowledgeable a...
by mickeyd
Mon Mar 17, 2014 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Flagship Rep called me
Replies: 22
Views: 4285

Re: Keep my old portfolio or sell for Vanguard index funds?

Wow 28 funds! I don't understand this I just transferred all of my funds from Wells Fargo to Vanguard If you transferred your funds to VG, are these listed 28 funds just the non-WF funds? Anyway, I would transfer them all to VG and call it part of the cost of your financial education. It can only ge...
by mickeyd
Mon Mar 17, 2014 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Keep my old portfolio or sell for Vanguard index funds?
Replies: 10
Views: 619

Re: Bad time to open new fund in Roth?

cfs wrote:
This is a good time, this is a bad time--just like Dickens'.



Classic :D
by mickeyd
Mon Mar 17, 2014 2:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad time to open new fund in Roth?
Replies: 19
Views: 1655

Re: Bad time to open new fund in Roth?

YttriumNitrate wrote:If you're in your early 30s, the Dow will probably be over 100,000 when you start pulling money out of your Roth IRA.



Are you sure about this?
by mickeyd
Sun Mar 16, 2014 7:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad time to open new fund in Roth?
Replies: 19
Views: 1655

Re: Tipping for take out

Near our home we have a Chinese "Wok" place. Their food is fantastic and prices are good. They only offer home delivery and take out. If I wanted to eat there they would say no. My take is that if you wish to tip you can call it in and ask them to deliver it, plus a tip for the driver. Sin...
by mickeyd
Mon Mar 10, 2014 7:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tipping for take out
Replies: 57
Views: 4558

Re: Warren Buffett's portfolio for his wife: Vanguard index

I'll bet that Mrs. Charlie Munger will use TSM rather than VG 500.
by mickeyd
Sun Mar 09, 2014 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett's portfolio for his wife: Vanguard index fund
Replies: 70
Views: 10189

Re: Where do you order business checks from?

I have banked @ USAA for 30+ years and they provide paper checks/deposit slips for free. I don't use them much, but I've got some.
by mickeyd
Sun Mar 09, 2014 5:49 pm
 
Forum: Personal Consumer Issues
Topic: Where do you order business checks from?
Replies: 18
Views: 1082

Re: Poll: When did you retire? Would you do it all over agai

When I was age 58 (11 years ago) my job went away and I was unemployed. I fooled around with pt/temp jobs for a while but eventually did some really simple math and calculated that DW and I had plenty of invested funds and future income streams (6) to last a long, long time. At that moment in time, ...
by mickeyd
Sun Mar 09, 2014 5:36 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: When did you retire? Would you do it all over again ?
Replies: 103
Views: 10683

Re: You know you're a Boglehead when ...

...two commas make you smile.
by mickeyd
Sat Mar 08, 2014 10:56 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 86
Views: 5132

Re: Diversify Fund Families

No. VG will be here long after mickeyd is but a memory.
by mickeyd
Sat Mar 08, 2014 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: Diversify Fund Families
Replies: 32
Views: 1456

Re: Total Market Bond Fund vs Intermediate Term Fund

When I was selecting the funds in my AA years ago I selected the I-T bond fund over the TBM and have stuck with it for many years. I think that's the trick~pick one and stick with it.
by mickeyd
Sat Mar 08, 2014 5:55 pm
 
Forum: Investing - Theory, News & General
Topic: Total Market Bond Fund vs Intermediate Term Fund
Replies: 27
Views: 2247

Re: How Many Funds Do You Have in Taxable?

abuss368 wrote:I am surprised a little at how many Three Fund Portfolio's are evident.


That was my observation as well. But don't forget that many (most) BHs have a substantial chunk of their investment in tax-favored side which is not addressed in this post.
by mickeyd
Sat Mar 08, 2014 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 4890

Re: Can Vanguard Become Too Big?

khale7 wrote:
in_reality wrote:Vanguard turns away Expats..


Huh?...I am a expat and my employer (not an American firm) offers a 401k through Vanguard.


What defination are we using for expat?
by mickeyd
Sat Mar 08, 2014 3:56 pm
 
Forum: Investing - Theory, News & General
Topic: Can Vanguard Become Too Big?
Replies: 24
Views: 3632

Re: Tipping for take out

windaar wrote:If you tip your bartender for handing you a beer, you should tip the folks at the restaurant for packaging your take-out meal.



I may tip my favorite lap dancer $5 at a local gents club, but her job is pretty-much all service. The beer is extra.
by mickeyd
Fri Mar 07, 2014 7:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tipping for take out
Replies: 57
Views: 4558

Re: Tipping for take out

I cast my vote with the no tipping gang. Stuffing food in a sack and taking my money (or CC) does not rate as good (or bad) service. It's what I ordered.
by mickeyd
Thu Mar 06, 2014 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tipping for take out
Replies: 57
Views: 4558

Re: How Many Funds Do You Have in Taxable?

Just TSM and S/T Bond. Keeping it as simple as I can.
by mickeyd
Wed Mar 05, 2014 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 4890

Can Vanguard Become Too Big?

I have never thought about VG becoming too big or too small. Evidently others have. I'll keep an eye on it and make sure to consider another investment firm when I need to invest my second billion dollars. Other prominent advisors, including financial theorist William Bernstein and Rick Ferri of Por...
by mickeyd
Tue Mar 04, 2014 5:20 pm
 
Forum: Investing - Theory, News & General
Topic: Can Vanguard Become Too Big?
Replies: 24
Views: 3632

Re: TV show recommendations?

A vote here for The Profit on CNBC. 2nd season just started last week.
by mickeyd
Tue Mar 04, 2014 4:44 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 200
Views: 14192

Re: How Much of Tax Refund Do You Save/Spend..??

manwithnoname wrote:Why would I want a refund? A refund means there was something wrong with my tax planning which needs to be corrected.

Refunds are for taxpayers who cannot figure out how the tax law works.



I used to say that too, but when they insist on sending you money it's difficult to turn down.
by mickeyd
Sun Mar 02, 2014 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Much of Tax Refund Do You Save/Spend..??
Replies: 68
Views: 2419

Re: How Much of Tax Refund Do You Save/Spend..??

I stuck my $3K federal tax refund in my Ally online savings to be spent later on in the year.
by mickeyd
Sun Mar 02, 2014 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Much of Tax Refund Do You Save/Spend..??
Replies: 68
Views: 2419

Re: Goodbye HAL

Reading the subject line of this post, I initially thought that it must be about someone terminating their association with Holland America Lines.

I probably need to think about getting rid of the very old XL antique that I use...still trying to get my moneysworth out of it.
by mickeyd
Sat Mar 01, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Goodbye HAL
Replies: 35
Views: 2301
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