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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 2:57 pm
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] hearing aid
Replies: 22
Views: 1358

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 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 34
Views: 2995

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 4:42 pm
 
Forum: Investing - Theory, News & General
Topic: Health care tilt
Replies: 77
Views: 3752

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 3:13 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Survey warning
Replies: 9
Views: 1350

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 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question re: RMD
Replies: 19
Views: 1225

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 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retired and end of month checking account balance?
Replies: 21
Views: 1866

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 4:16 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28469

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 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28469

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 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting back into the market
Replies: 32
Views: 3858

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 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Keep vanguard mutual fund or move to the dark side (ETFs)
Replies: 13
Views: 1436

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 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sixth anniversary of worst week ever for stocks
Replies: 51
Views: 4116

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 4:17 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees only, what was you average investment return?
Replies: 49
Views: 3352

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 4:13 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be Heavy in Bonds ---- 10-09-2014.......
Replies: 13
Views: 1684

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 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28469

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 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: How to win the loser's game #6
Replies: 2
Views: 971

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 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett vs. Bogleheads
Replies: 46
Views: 3822

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 4:30 pm
 
Forum: Investing - Theory, News & General
Topic: Is there an "upper limit" on Boglehead theory?
Replies: 58
Views: 4151

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 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying first Index Fund New Investor
Replies: 4
Views: 308

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 8:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to solve people who don't save enough?
Replies: 11
Views: 1247

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 8:23 pm
 
Forum: Investing - Theory, News & General
Topic: Will you invest in Bill Gross's new bond fund?
Replies: 51
Views: 2885

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 8:15 pm
 
Forum: Personal Consumer Issues
Topic: Why Aren't Waterbeds Popular Anymore?
Replies: 13
Views: 1434

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 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: AXA Equi-Vest Help
Replies: 2
Views: 287

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 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Quarterly Dividends in September
Replies: 40
Views: 5137

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 3:44 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 104
Views: 8537

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 6:42 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 104
Views: 8537

Re: Online Savings Accounts

Ally 0.87

I believe Ally has an APY of 0.90% now.
by mickeyd
Sat Sep 06, 2014 5:36 pm
 
Forum: Investing - Theory, News & General
Topic: Online Savings Accounts
Replies: 26
Views: 2827

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 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: Do you consider your emergency fund part of your portfolio?
Replies: 50
Views: 3094

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 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Vanguard bond fund in my IRA?
Replies: 4
Views: 351

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 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: My early 30's Ameriprise portfolio
Replies: 36
Views: 3500

Re: Longevity Annuities?

Is a longevity annuity just another name for a deferred annuity?
by mickeyd
Wed Sep 03, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longevity Annuities?
Replies: 54
Views: 2436

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 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: NFCU 1 year certificate (CD) 5% APY $5k max balance
Replies: 28
Views: 3407

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 8:57 pm
 
Forum: Investing - Theory, News & General
Topic: How low can Vanguard Fees Go?
Replies: 32
Views: 2283

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 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a car or financing
Replies: 7
Views: 918

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 7:06 pm
 
Forum: Personal Consumer Issues
Topic: Possible mail scam?
Replies: 12
Views: 1564

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 8:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ally Bank CD
Replies: 12
Views: 1632

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 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5534

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 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Tipping tradespeople [rain gutter installers]
Replies: 27
Views: 2418

Re: Retiree Poll: Do you do any volunteer work?

dolphinsaremammals wrote:
gkaplan wrote:Several months ago, I began volunteering two hours a week at a nearby library.


I'd love to do this, but the union has a contract with the town that prohibits the use of volunteers.



What a sad commentary.
by mickeyd
Sat Aug 23, 2014 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Do you do any volunteer work?
Replies: 32
Views: 2495

Re: POLL: Age for Collecting Social Security Benefits

I expect most of the age 70 people are not yet retired. It would have been interesting to have another choice in the poll (two inputs) where the second input is retired or not retired. I am nearly age 70 and will be claiming under my SS# for the first time in a few months. I have been retired over ...
by mickeyd
Thu Aug 21, 2014 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 7823

Re: Why only stocks in a taxable account at retirement?

The three-fund portfolio tells us we should hold Total Bond Market index in a tax-advantaged account like an IRA while we hold Total Stock/Total International Market index in a taxable account. I'm not sure that is exactly how it works. I have always had TSM in both taxable account and tax favored ...
by mickeyd
Wed Aug 20, 2014 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: Why only stocks in a taxable account at retirement?
Replies: 26
Views: 1894

Re: Why only stocks in a taxable account at retirement?

Shouldn't we intermix


Not sure what you mean by intermix. Could you explain?
by mickeyd
Wed Aug 20, 2014 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: Why only stocks in a taxable account at retirement?
Replies: 26
Views: 1894

Re: Retiree Poll: Do you do any volunteer work?

I help feed the hungry of our community on an ongoing basis. I get more out of it than I put into it, so that makes me put more into it. I also visit wounded warriors at Brooke Army Medical Center but that has slowed down a lot as there are fewer wounded to visit...thank God.
by mickeyd
Wed Aug 20, 2014 4:54 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Do you do any volunteer work?
Replies: 32
Views: 2495

Re: When did you hear of Bill Miller and Legg Mason Value Tr

Did not vote due to so many choices. I remember when he beat the S&P ten years in a row and recall following his progress after that. As predicted, he fell like they always fall.
by mickeyd
Wed Aug 20, 2014 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: When did you hear of Bill Miller and Legg Mason Value Trust?
Replies: 32
Views: 2433

Re: Defining "Stay the Course"

To paraphrase a SCOTUS Justice of the 50's, "I can't give you a definition of STC, but I know it when I see it."
by mickeyd
Tue Aug 19, 2014 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: Defining "Stay the Course"
Replies: 41
Views: 3791

Re: POLL: Age for Collecting Social Security Benefits

I will collect my first SS check (under my SS#) in December at age 70. Since I have been receiving benefits as a spouse for almost 4 years, my SS income will have a tenfold increase in a few months.
by mickeyd
Tue Aug 19, 2014 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 7823

Re: Retirement Party [Investment] Discussions

You just gave me an idea. After I retire, I should visit Dublin several times, each time taking a different road.

Victoria


Wouldn't it be interesting to hold an annual Boglehead meeting in Dublin sometime in the future
by mickeyd
Tue Aug 19, 2014 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement Party [Investment] Discussions
Replies: 50
Views: 4466

Re: Hw many credit cards to own?

Your message contains 1 characters. The minimum number of characters you need to enter is 5.

2, 2, 2
by mickeyd
Mon Aug 18, 2014 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 121
Views: 53059

Re: Bogleheads Featured in Money Article

As usual, nice job Mel.
by mickeyd
Mon Aug 18, 2014 9:22 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads Featured in Money Article
Replies: 21
Views: 3058

Re: Has indexing gotten too big?

The most interesting fact for me: index funds constitute "only" 17% of total equity and fixed income market capitalization.


It's good to know that I find myself in such an elite grouping.
by mickeyd
Mon Aug 18, 2014 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: Has indexing gotten too big?
Replies: 10
Views: 1768

Re: Thoughts on USAA?

I have used USAA P&C and bank for 40+ years. I'll probably continue to take advantage of their excellent products, however their interest rate on savings accounts stinks.
by mickeyd
Mon Aug 18, 2014 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on USAA?
Replies: 24
Views: 2049
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