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Re: Poll: which portion of the chart shows higher volatility

Well, Clive, so did I, which accounts for most of the votes on our side :sharebeer
by musbane
Thu Oct 16, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: Poll: which portion of the chart shows higher volatility?
Replies: 26
Views: 1426

Re: Need dispensation to pay ROTH conversion taxes from tIRA

OK, you have run out of your (presumably taxable) mm fund. What are you living on? If you will have to take funds out of a Roth to avoid going over the 15% bracket, than converting into a Roth ouldn't make sense. Otherwise I see no objection. Oh, and if you think I'm suggesting that you are an idiot...
by musbane
Tue Oct 14, 2014 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need dispensation to pay ROTH conversion taxes from tIRA
Replies: 25
Views: 777

Re: You and your spouse

Retired almost 40 year married guy here. I do all of our investing with substantial help from many bogleheads to whom I am indebted. My wife does all our taxes. Neither of us does anything substantial without discussion. We have never had a disagreement about either of these endeavors. Other issues,...
by musbane
Tue Oct 14, 2014 5:29 am
 
Forum: Investing - Help with Personal Investments
Topic: You and your spouse
Replies: 2
Views: 676

Re: Does your ROTH hold risky or stable items?

Retiree here. I have about 40% of my liquid assets in a Roth, all from IRA conversions and all in tilted equities. All from conversions in the last six years that have done quite well. Except for the last month as per Livesoft. I have now run out of taxable money, and will be withdrawing from IRAs t...
by musbane
Tue Oct 14, 2014 5:01 am
 
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 49
Views: 2647

Re: it will take me about 38 years to reach $1M at this rate

The trick over the rest of your career is to save most of any raises you get. This wins two ways. One, your saving rate goes up more quickly relatively painlessly. Two, you don't get used to a higher standard of living than you can afford. It's what people here mean by 'living below your means'. Thi...
by musbane
Sat Oct 11, 2014 9:09 am
 
Forum: Investing - Help with Personal Investments
Topic: it will take me about 38 years to reach $1M at this rate
Replies: 25
Views: 3129

Re: A safe full of cash

Certainly it is possible to imagine scenarios where cash is of no help. But I at least find it easier to think of situations where cash would likely be far more useful than stocks, bonds, or even money in the bank. Such as right now in Baja Sur. No Internet, little telephone... If this goes on, then...
by musbane
Thu Sep 18, 2014 11:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: A safe full of cash
Replies: 22
Views: 3081

Re: Hamilton watches, worth the money?

I bought a self winding Hamilton a few (3?,4?) years ago on line for about $400 and I am compleatly satisfied. Quite accurate for an automatic and even I can't scratch the sapphire face!
by musbane
Sun Sep 14, 2014 8:42 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 262
Views: 12951

Re: How to ship automobile cross country?

I don't disagree totally with jack above, but I just had an interesting and maybe relevant experience. I bought a fairly rare car from a dealer in New Hampshire and needed to ship it to Seattle area. The car was 2 years old and had an extended Factory (not dealer or third party) warranty. I made the...
by musbane
Sun Sep 14, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: How to ship automobile cross country?
Replies: 3
Views: 410

Re: POLL: What was the first stock you ever bought?

Sometime in the 60's when I was about 15, I got my father to sell the few shares of ESSO he had given me (he worked for them) and buy Ling Temco Vought (LTV) which did quite well.
by musbane
Fri Sep 05, 2014 1:59 am
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 2906

Re: Inflation Protected Annuity versus TIPs ladder

BobK,
As far as I know, all deferred, inflation adjusted annuities are not inflation adjusted from the time you buy them to the time they start to pay off. Are there some that I missed? Or are you suggesting a non inflation adjusted annuity?
by musbane
Fri Sep 05, 2014 1:44 am
 
Forum: Investing - Theory, News & General
Topic: Inflation Protected Annuity versus TIPs ladder
Replies: 9
Views: 924

Re: Sports Motivation Waning

I, too was a competitive player for about 40 years. But my shoulder hasn't let me play at all, at all for some years now. I am going to have shoulder surgery in about 3 weeks, and if successful, I will be able to play again, in which case, I assure you that I won't give a rat's patootie who wins. Te...
by musbane
Fri Aug 29, 2014 9:45 pm
 
Forum: Personal Consumer Issues
Topic: Sports Motivation Waning
Replies: 18
Views: 1677

Re: Investing in US from New Zealand

Thanks, Ted. Yes, my wife cannot inherit from me with the unlimited deduction. But I believe taxes don't kick in until $5,000,000. Plus, since they seem to keep moving the bar, I've been gifting her the max every year since I became aware of the problem, to the point where I now own nothing but my I...
by musbane
Fri Aug 15, 2014 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in US from New Zealand
Replies: 21
Views: 1398

Re: Investing in US from New Zealand

Thanks again. Does the fact that the girl is a dual citizen as opposed to being either a NZ or US citizen matter? Also, for him, US inheritance taxes don't kick in until after $5,000,000. So can he ignore that? I called Schwab and confirmed that she can open an account and trade ETFs cheap or free. ...
by musbane
Fri Aug 15, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing in US from New Zealand
Replies: 21
Views: 1398

Re: Investing in US from New Zealand

Well, this all is just a wealth of information and is a perfect example of the value of this forum .

My friends and I thank you and will now get down to examining all this and coming up with a plan.
by musbane
Thu Aug 14, 2014 10:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing in US from New Zealand
Replies: 21
Views: 1398

Re: Investing in US from New Zealand

I think maybe my title Is misleading.

I will be advising them to invest in international equities and maybe some international bonds.

Thank all who have responded so far.
by musbane
Wed Aug 13, 2014 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in US from New Zealand
Replies: 21
Views: 1398

Re: Investing in US from New Zealand

Jeeze...well, their beginning investments are more likely to be in the hundreds range rather than thousands if that means anything...

I'm hoping that the best option doesn't seem to become buying gold and burying it :|
by musbane
Wed Aug 13, 2014 1:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in US from New Zealand
Replies: 21
Views: 1398

Investing in US from New Zealand

I have two dear friends - 22 years old - boyfriend, girlfriend - who want to start investing for their future. They have come to me for advice, poor people, so I'm coming to you. Problem is that they both live in New Zealand. He is a NZ citizen, although she is duel with US, having been born here Th...
by musbane
Wed Aug 13, 2014 11:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing in US from New Zealand
Replies: 21
Views: 1398

Re: POLL: Do/did you get a match? How much?

6% match in 401k
Additional 9% in lieu of pension .

I voted 6%, but it felt like 15% :sharebeer
by musbane
Fri Jun 06, 2014 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do/did you get a match? How much?
Replies: 67
Views: 4260

Re: Outdoor fire pit? Yea or Nay

We have had a fire pit for the past 12 years. We cook on it often and even keep supplies of different firewood (maple,alder and mesquite) on hand.

We invite our neighbors over for dinner around it several times a year and have had no complaints.
by musbane
Tue May 06, 2014 5:35 am
 
Forum: Personal Consumer Issues
Topic: Outdoor fire pit? Yea or Nay
Replies: 62
Views: 7669

Re: SS Strategy Metric

Cut-throat

Is 72 a typo for 62?
by musbane
Sat Apr 19, 2014 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS Strategy Metric
Replies: 55
Views: 4307

Re: Partials vs implants

Another vote for implants. I've had seven or eight (actually lost track of the total) in the last 25 years. Zero trouble with any of them and the procedure has become more comfortable over the years. Of course I could have taken the money and invested it in low cost index funds and be one or two hun...
by musbane
Fri Apr 11, 2014 9:24 am
 
Forum: Personal Consumer Issues
Topic: Partials vs implants
Replies: 29
Views: 3248

Re: Best Movies of 2013

How about The Broken Circle?
Belgian bluegrass tear jerker.
by musbane
Mon Mar 31, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: Best Movies of 2013
Replies: 83
Views: 6443

Re: Used $35k Porsche on $64k income?

I was going to respond with a knee jerk no when I smelled the hypocracy. In my early 20's with no income to brag about, I scraped everything together for a 10 year old Porsche 356SC that I oh so dearly loved. I guess it worked out. I'm 66 now and can drive anything I want. But I spent my 20's in pov...
by musbane
Mon Mar 10, 2014 10:47 pm
 
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 6903

Re: Any sailboat owners out there?

Like many things, sailing can be done in different ways. Upon early retirement, we sold our house, moved aboard our boat and cruised (also known as "repairing your boat in exotic places"). We found it much cheaper than living in a house. Sailing can be cheap or beyond insanely expensive. Y...
by musbane
Sun Mar 09, 2014 11:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any sailboat owners out there?
Replies: 10
Views: 1037

Re: I'm feeling old today

In the 50's, I was a hard working 10 year old getting ready to take over center field for the Yankees when Mantle retired...
by musbane
Wed Feb 12, 2014 10:56 pm
 
Forum: Personal Consumer Issues
Topic: I'm feeling old today
Replies: 97
Views: 7267

Re: Have you ever moved for lower cost of living?

When first married, I lived in Ct., commuting to NY.
Then my Co. Moved us to Houston - this involved promotion and raises.
Then they moved me north of Seattle. This also involved promotion and raises.

It has given me something of a skewed view of cost of living. :wink:
by musbane
Fri Nov 08, 2013 8:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever moved for lower cost of living?
Replies: 72
Views: 6099

Re: Current Retirees: how much tax you pay?

I chose 6 - 10, but it would have been zero were it not for Roth conversions to the top of the 15% bracket.
by musbane
Fri Nov 08, 2013 8:28 pm
 
Forum: Investing - Theory, News & General
Topic: Current Retirees: how much tax you pay?
Replies: 55
Views: 6661

Re: Scared of early withdrawal penalties

And in the "small comfort" category, you are locked in only until age 59 1/2.
by musbane
Sun Nov 03, 2013 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Scared of early withdrawal penalties
Replies: 14
Views: 1015

Re: A Boglehead Running the Fed!

Maybe she really is a Boglehead.

If so, I wonder who?
by musbane
Fri Oct 11, 2013 12:14 am
 
Forum: Investing - Theory, News & General
Topic: A Boglehead Running the Fed!
Replies: 24
Views: 4093

Re: Any Jeep enthusiasts? They seem to retain their value

They can hold their value fairly well. Last year we bought a 2005 Rubicon with 30k miles for $24,000. The Rubicon package only makes sense if you do some fairly serious off roading - particularly in rocks. They are not the most reliable cars out there and their gas mileage is horrible. They have all...
by musbane
Wed Sep 18, 2013 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Any Jeep enthusiasts? They seem to retain their value
Replies: 25
Views: 2697

Re: Early retirees - did you pay off your house?

Retired 12 years ago at age 53. Immediately put the house up for sale. When it sold ( took a year - dot com and WTC and all that) I payed off mortgage on house, boat and land. Then we moved onto the sailboat and bought an rv for the winter.
by musbane
Thu Sep 12, 2013 12:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Early retirees - did you pay off your house?
Replies: 27
Views: 2312

Re: The Perils Of Picking Past Winners

OK, I think I have found the heart of this guy's dislike for vanguard. In the comments section he says, What disturbs me about Vanguard is that they have marketed themselves so well, that an ever increasing majority Of our population believes two things: 1. Actively managed investments, and the fees...
by musbane
Wed Jul 24, 2013 1:28 am
 
Forum: Investing - Theory, News & General
Topic: The Perils Of Picking Past Winners
Replies: 28
Views: 2029

Re: Joining a religious order with a poverty vow

If I read the OP correctly, there is no intent to evade taxes - rather to keep assets hidden from the church.

Is there such a thing as 'tithe evasion'?
by musbane
Thu Jul 04, 2013 10:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Joining a religious order with a poverty vow
Replies: 62
Views: 3180

Re: Advisor resisting request to stop whole-life and move Ro

When I transferred everything (no insurance products, but lots of horrible mutual funds and individual stocks and bonds) from Merril Lynch to Fidelity, I had the same concerns. The broker had been my father's before me and I dreaded the inevitable confrontation. But I took the advice I received here...
by musbane
Thu Jun 27, 2013 7:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advisor resisting request to stop whole-life and move Roth
Replies: 28
Views: 1403

Re: Live next to gas station?

Aren't houses next to gas stations, RR tracks, etc. much more likely to be rentals?
by musbane
Fri Jun 21, 2013 8:55 pm
 
Forum: Personal Consumer Issues
Topic: Live next to gas station?
Replies: 44
Views: 3754

Re: Investing in the stock market for the SHORT term

But Peter, how do you know it is a horrible time? Perhaps it will only be getting horribler...
by musbane
Fri Jun 21, 2013 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in the stock market for the SHORT term
Replies: 37
Views: 2003

Re: Investing in the stock market for the SHORT term

Well, if, as it seems, you are reasonably well off, then $2,000 is just another bill and you won't be invsting seperately just for that. It simply fits into all the other bills and income and therefor BECOMES part of your long term.
by musbane
Fri Jun 21, 2013 12:03 am
 
Forum: Investing - Theory, News & General
Topic: Investing in the stock market for the SHORT term
Replies: 37
Views: 2003

Re: Dividends Are Different?

However, the behavioral aspect of investing is probably the most critical piece of all. If a retiree can meet income needs with dividends, then share selling is unnecessary regardless of price. This can allow one to sleep easy at night regardless of bear markets or market volatility. Case in point:...
by musbane
Mon Jun 17, 2013 11:30 pm
 
Forum: Investing - Theory, News & General
Topic: Dividends Are Different?
Replies: 207
Views: 9432

Re: Garter Snake Repellant

The heck with rodents... Tell your wife they eat black widow spiders. :beer
by musbane
Thu Jun 13, 2013 7:43 pm
 
Forum: Personal Consumer Issues
Topic: Garter Snake Repellant
Replies: 21
Views: 1783

Re: Tap IRA early or use SS early ??

Yes, the system is actuarily neutral, meaning that for you personally, it doesn't matter when you take it. But your wife is younger than you and is a female, together making it highly likely that she will outlive you by a number of years; each one of which she will collect your signifacantly higher ...
by musbane
Sun Jun 09, 2013 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Tap IRA early or use SS early ??
Replies: 117
Views: 5928

Re: Forbes Story How Retirees Pay Zero Taxes

I would be paying zero taxes in retirement but for ROTH conversions to the top of the 15% bracket. I suspect this is true of many Bogleheads. Not sure of other heads.
by musbane
Wed Jun 05, 2013 10:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Forbes Story How Retirees Pay Zero Taxes
Replies: 34
Views: 4228

Re: Gold

Um, pennies aren't copper and haven't been for a long time...
by musbane
Fri May 17, 2013 12:03 am
 
Forum: Investing - Theory, News & General
Topic: Gold
Replies: 78
Views: 4329

Re: Am I doing okay at this point?

momar wrote:I would say you have done fine. You have nearly doubled your contributions, which are moderately backloaded, in about 15 years.



And you have done it through two crashes :beer
by musbane
Wed May 08, 2013 12:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Am I doing okay at this point?
Replies: 12
Views: 1598

Re: Help with potential job offer

By thoroughly understand and inside information, i'm just continueing the investment analagy. If you were to be asked to invest in a startup by your broker, you would have no special knowledge of the company And it would probably be a bad idea. But if you worked on this AND feel that gives you real ...
by musbane
Tue May 07, 2013 10:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with potential job offer
Replies: 47
Views: 1865

Re: Help with potential job offer

Interesting that you look on this as an investment. With that in mind, Bogleheads don't invest in things they don't understand, and believe that without inside information you can't beat the market on a risk adjusted basis. But you do thoroughly understand the investment and if I understand you corr...
by musbane
Tue May 07, 2013 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with potential job offer
Replies: 47
Views: 1865

Re: Anyone wish to share their play money investments?

I just re read most of these posts to see if there might be any kind of a consensus. If for example, say 38% of self selected Bogleheads with play money chose stock X, then it might be possible that the only group in the world that has an accurate insight on stock picking is the Bogleheads! But no, ...
by musbane
Tue May 07, 2013 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone wish to share their play money investments?
Replies: 56
Views: 3772

Re: How Much Did You Spend on Your Engagement Ring??

37 years ago.

The subject never came up as far as I recall. Wait, I'll ask.

Nope,never came up.
by musbane
Tue May 07, 2013 5:13 pm
 
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 21271

Re: Is investing different for the "rich"?

Thank you.

Not my cup of tea, but I appreciate the response.

I think it requires a talant that I don't have. Knowing who to trust....twice.
by musbane
Thu May 02, 2013 9:50 pm
 
Forum: Investing - Theory, News & General
Topic: Is investing different for the "rich"?
Replies: 34
Views: 3550

Re: Is investing different for the "rich"?

RenoJay, I hate to pry, and you're under no obligation to tell us, but I for one would be vastly interested to know what fixed income investments would be significantly superior to bonds. I will be having several large 3% CDs coming due in the near future and while these may be better than bonds, th...
by musbane
Thu May 02, 2013 8:23 pm
 
Forum: Investing - Theory, News & General
Topic: Is investing different for the "rich"?
Replies: 34
Views: 3550

Re: Unsecured wifi

I seem to have given some wrong impressions. Sorry. I'm really, really lazy. 1. I' m not on vacation. I'm 65 and have been retired for a dozen years. 2. No pension, no annuity, no social security till 70, no other income. 3. Been in Baja for about 5 months now without accessing my finances. So I'm i...
by musbane
Tue Apr 30, 2013 10:55 pm
 
Forum: Personal Consumer Issues
Topic: Unsecured wifi
Replies: 66
Views: 6402
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