Search found 218 matches

Return to advanced search

Re: Understanding Umbrella vs Auto Lawyers

Agents sell insurance ans collect a commission for doing so. Higher the premium more commission . Most folks not Bogleheads want just enough to be legal. If you will tell me what kind of accident you are going to have then they can have you covered for that when it happens. Of course you can't tell ...
by nodenuff2
Mon Jan 26, 2015 11:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Understanding Umbrella vs Auto Lawyers
Replies: 16
Views: 1818

Re: Decision time- lump sum vs pension

Why delay SS? If you die soon that money is lost! I would take the pension . With your other assets you will more than keep ahead of inflation rates. Are you considering Roth conversions?
by nodenuff2
Tue Jan 20, 2015 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Decision time- lump sum vs pension
Replies: 12
Views: 1100

Re: Understanding Umbrella vs Auto Lawyers

Worked in this area for most of my years employed by the insurance company. For most of my career plaintiff attorneys never went after personal assets then lawyers started suing lawyers for not doing due diligence about personal net worth and it got more common to see them pursue defendants personal...
by nodenuff2
Tue Jan 20, 2015 12:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Understanding Umbrella vs Auto Lawyers
Replies: 16
Views: 1818

Re: Let's Celebrate! Which funds are you buying in 2015?

Vanguard CFP advised to quit holding all that cash so I guess I need more bonds. Can't pull the trigger just yet.
by nodenuff2
Mon Jan 19, 2015 11:48 pm
 
Forum: Investing - Theory, News & General
Topic: Let's Celebrate! Which funds are you buying in 2015?
Replies: 48
Views: 3600

Re: What price are you planning to pay for your next car?

My current vehicle is a 3/4ton desiel pickup 2000 model I fear my next one will be most unboglehead thing I have ever done. Ugh over 50k I expect.
by nodenuff2
Mon Jan 19, 2015 11:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: What price are you planning to pay for your next car?
Replies: 91
Views: 6985

Re: A quick poll--pension annuity vs. lump sum

I had the ooprtunity to split mine. I took 40%" in an annuity that built a good floor with our SS's it covers our basic needs. Rolled the other with my 401k into Vanguard. Very happy with the decision.
by nodenuff2
Sat Jan 17, 2015 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: A quick poll--pension annuity vs. lump sum
Replies: 62
Views: 3701

Re: 401K Investment Help

Is your wife a stay home mom ? There is no mention of any investments for her. Both of your investments should be considered in asset allocation. Is there a pension involved ? Even so 6% plus 3% company match will not fulfill your needs at retirement. I would save 6% to get the match in the traditio...
by nodenuff2
Tue Jan 13, 2015 12:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Investment Help
Replies: 13
Views: 1068

Re: A Short Survey for Retirees

Worked 42 years retired almost 12 months . Can hardly believe how easy the transition has been. No money issues , no dreams about work , job was stressful but had hired folks to ease that issue. Biggest difference is in auto expenses ,gas ,diesel . Had a company car for the 42 yars. Took it for gran...
by nodenuff2
Fri Jan 09, 2015 3:30 pm
 
Forum: Personal Consumer Issues
Topic: A Short Survey for Retirees
Replies: 75
Views: 6357

Re: Net Worth Survey, 2015 Edition

Man do I feel blessed to be an average 65 Boglehead . Blessed not boastful. Give until you are grinning when you think about it. Thanks for all here you give of themselves to assist others (ME) . This is one of your ministries in life.
by nodenuff2
Fri Jan 02, 2015 7:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 134
Views: 22257

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2235.46 best of luck to all!
by nodenuff2
Thu Jan 01, 2015 4:23 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19749

Re: 2014 BOGLEHEAD CONTEST WINNER

Congratulations to you financial Dave . Where did you place in 2013? Went from 124 in 2013 to 44 in 2014 my guess for this year is 2235.46
by nodenuff2
Thu Jan 01, 2015 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: 2014 BOGLEHEAD CONTEST WINNER
Replies: 23
Views: 2445

Re: What did you enjoy spending money on this year?

1. Helped a struggling. Church 2. Helped a lady who lost her home. Gave money to our grown children Took my only grandson hunting watched him harvest his first deer and shoot his first quail.
by nodenuff2
Thu Jan 01, 2015 4:05 pm
 
Forum: Personal Consumer Issues
Topic: What did you enjoy spending money on this year?
Replies: 92
Views: 5939

Re: What would you have done differently when retiring?

I saved all my funds in tax advantaged accounts. Should have saved some in taxable and converted some to Roth when they became available. Oh well we have more than enough. Pay close attention to your health worth more than all the funds.
by nodenuff2
Mon Dec 29, 2014 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: What would you have done differently when retiring?
Replies: 107
Views: 10678

Re: Poll: Gain of total portfolio value from investing

Hard to determine 15% of present value came from an IRA 7k investment about a 450% increase. 401k had a 100% return of amount I invested. Almost 50% came from a defined benefit that cost me nothing.
by nodenuff2
Mon Dec 29, 2014 11:21 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Gain of total portfolio value from investing
Replies: 37
Views: 3300

Re: Retiree Poll:What is your current AA?

42% Stocks 30% Bonds 28 % Cash
by nodenuff2
Fri Dec 26, 2014 10:17 pm
 
Forum: Investing - Theory, News & General
Topic: Retiree Poll:What is your current AA?
Replies: 85
Views: 6979

Re: POLL: How fulfilling is your retirement?

Great time not 1 regret.
by nodenuff2
Tue Oct 21, 2014 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 34
Views: 3087

Re: Help with a large business decision

Stay the course until the 500k is not such a big deal. Wait 2 years bank another million or so then make the investment so what if the cost is then 600 k,
by nodenuff2
Mon Sep 15, 2014 10:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with a large business decision [capital expenditure]
Replies: 36
Views: 1460

Re: Selling private bank stock, experiences or tips?

I sold some inherited back stock through the local bank. it was an arranged sale to an interested party just before the financial meltdown ..... Blind squirrel finds acorn
by nodenuff2
Wed Jul 30, 2014 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling private bank stock, experiences or tips?
Replies: 10
Views: 875

Re: Trip to OKC, what attractions to visit

If you stay downtown eat at Red's try the flash fried spinach with your steak. Take in a ball game and eat at Mickey Mantle's place.
by nodenuff2
Wed Jul 23, 2014 9:06 pm
 
Forum: Personal Consumer Issues
Topic: Trip to OKC, what attractions to visit
Replies: 24
Views: 902

Re: If you own a car, do you have a car payment?

My wife just bought a vehicle we were prepared to write a check for it but after making the deal we were offered the 0% financing .With reluctance I agreed to it but not the 60 months much shorter time wise .
by nodenuff2
Fri Jul 18, 2014 8:37 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7879

Re: How much do you spend on your hobby annually?

Confession time. My wife and I love horses we spend a lot on this hobby. Wife pays all horse related expenses so I will not know exactly what we spend but my estimate is 18- 20k I know there is no logical way to justify this amount but we worked hard during the accumulation phase and it our money. I...
by nodenuff2
Sat Jul 12, 2014 6:10 pm
 
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 7654

Re: Any benefit of having both Traditional and Roth accounts

One of my mistakes was putting all retirement funds in my 401k. It was not until the last few years that my old company offered the Roth option. Ira or Roth does not matter but you will be glad you did in retirement when you need that new roof,new car, second home and can do so with after tax dollar...
by nodenuff2
Mon Jun 23, 2014 7:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Any benefit of having both Traditional and Roth accounts?
Replies: 14
Views: 1814

Re: Wind blew off shingles, now roof is leaking!

Call your agent with your problem. Ask them to revisit your original claim. Talk in person with the adjuster.explain that you are not asking to be paid for the roof again but the additional damage .4 months is not too long to get a roof REPAIRED just 1 slope as to replacing the entire roof. If there...
by nodenuff2
Sun Jun 22, 2014 3:01 pm
 
Forum: Personal Consumer Issues
Topic: Wind blew off shingles, now roof is leaking!
Replies: 27
Views: 1508

Re: Wind blew off shingles, now roof is leaking!

Call your agent with your problem. Ask them to revisit your original claim. Talk in person with the adjuster.explain that you are not asking to be paid for the roof again but the additional damage .4 months is not too long to get a roof REPAIRED just 1 slope as to replacing the entire roof. If there...
by nodenuff2
Sun Jun 22, 2014 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Wind blew off shingles, now roof is leaking!
Replies: 27
Views: 1508

Re: Leasing mineral rights for oil exploration

The amount of the lease is light for an area being developed . Is this a major player or someone taking some risk? Are there producing wells in the area now ? Read the contract it has a renewing clause in it as most all do . The money for leasing is a drop in the bucket . The money is in the product...
by nodenuff2
Sat Jun 21, 2014 7:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Leasing mineral rights for oil exploration
Replies: 14
Views: 1207

Re: Late starters: what age did you start investing?

Started at 32 when the company I worked for started a 401k. 3% I think.
by nodenuff2
Thu Jun 19, 2014 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Late starters: what age did you start investing?
Replies: 73
Views: 5952

Re: Roll Call for the Retirement Class of 2014!

Ok Nodenuff2 was 64 at retirement .
by nodenuff2
Wed Jun 11, 2014 4:44 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 273
Views: 27640

Re: Roll Call for the Retirement Class of 2014!

Retired Jan. 31,2014. 42years with the same company. Left a team that I hired and trained . I miss the people but never think about the work . Love my life now. Life is great each day is less stressful. So long corporate rat race.
by nodenuff2
Thu May 15, 2014 7:51 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 273
Views: 27640

Re: Consequences of a failed HO insurance company...

Each state has a guarranty fund supported by all companies doing business in that state.if needed they are assessed more to pay all claims.
by nodenuff2
Mon Mar 31, 2014 8:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Consequences of a failed HO insurance company...
Replies: 12
Views: 1104

Thank all for helping with my retirement 01.31.2014

Nodenuff2. has done it with your help . Hit my number but waited 2 more years to be sure. Thanks to all who helped me organize my random thoughts into a plan . Soon the transfers will be complete. Then my IPS will be implemented. Then we will concentrate on spoiling more completely our grand kids . ...
by nodenuff2
Fri Feb 07, 2014 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thank all for helping with my retirement 01.31.2014
Replies: 2
Views: 576

Re: Negotiating with Insurance (Subrogation Claim)

Old claims guy here.offer topay him 50% now in a lump sum then negotiate Up to 75% to sue you he uses an attorney for this he charges at least25% to collect.
by nodenuff2
Sat Jan 18, 2014 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Negotiating with Insurance (Subrogation Claim)
Replies: 16
Views: 1443

Re: Biggest regrets in your life in financial investment?

At 64 I have only 10% of my assests in taxable accounts. Wished I had saved more for those big expenses cars, vacations roofs etc.so they would not cost an extra 25% now. Also wish I had started a Roth from day one although my company has not offered one very long. Those and finding index funds earl...
by nodenuff2
Fri Jan 17, 2014 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 8438

Re: Sacrificing career for family

You are to be commended for the sacrafice you are making. This is what strong familes do for one another. The problem is your attitude about work. Resolve that and enjoy life. You need to find satisfaction in other areas of your life. boy scouts, church,civic organizations might suffice, Find someth...
by nodenuff2
Tue Jan 14, 2014 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sacrificing career for family
Replies: 40
Views: 4574

Re: What was your 2013 return?

Started the year 48/52 finished the year 53/47 Stocks/ Fixed income. Return was 14.8%
by nodenuff2
Thu Jan 02, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 9822

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

My best guess is another good year 2042.04
by nodenuff2
Wed Jan 01, 2014 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 537
Views: 15853

Re: Help me with the biggest decision of my finacial life

Turned in the papers last week. Went with 60% lump sum and 40 % in a 100% Joint pension. Combined with SS this creates a floor income than could sustain us if needed. SS+ (not yet signed up )+ Pension +Vangaurd plus lump plus 401k plus IRA = GREAT RETIREMENT
by nodenuff2
Tue Dec 17, 2013 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help me with the biggest decision of my finacial life
Replies: 20
Views: 3913

Re: Christmas time acomin'

Ordered the following 2 books as stocking stuffers. 1. Bogleheads Guide to Investing 2. All about Asset Allocation . Can't wait to hear what they have to say.Thanks for all the help in choosing and to Taylor, Mel,Rick and others for their work here and in print
by nodenuff2
Tue Dec 17, 2013 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Christmas time acomin'
Replies: 7
Views: 1315

Re: Quitting work

Reading with amusement as my last official day is 1-31-14. Announced about 2 months ago. Interview process is complete and 6 of my people are in competion for my position. Replacement to named any day. Retirement party is planned at a local CC. All papers are signed and in place. 42 years is enough ...
by nodenuff2
Tue Dec 17, 2013 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quitting work
Replies: 63
Views: 6988

Re: Vehicle Allowance or Company Vehicle?

I've had a company vehicle for over 40 years. Notelling what it has saved me. Take the truck and don't look back.
by nodenuff2
Mon Dec 16, 2013 9:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vehicle Allowance or Company Vehicle?
Replies: 17
Views: 579

Re: Timber [Tracts as part of a portfolio]

Bigfoot farmland and timber land make up about 33% of my net woth. That does not affect my investment decisons beyond a10% higher stock share of total and no REIT's beyond market share. Rental income and timber sales are conted against income. So if I was at 50/50 I carry more like 60/40. Land is a ...
by nodenuff2
Mon Dec 16, 2013 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: Timber [Tracts as part of a portfolio]
Replies: 27
Views: 2320

Re: How many are pro's?

Well I voted as "never in Fianace " but did work in insurance for my entire career. in 49 days I'll hang it up.
by nodenuff2
Fri Dec 13, 2013 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: How many are pro's?
Replies: 9
Views: 935

Re: Umbrella coverage for lawsuits

Best answer is Trimms. Not to say thothers aren't ok.
by nodenuff2
Thu Dec 12, 2013 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella coverage for lawsuits
Replies: 34
Views: 3424

Re: Auto Insurance: Letting a friend borrow my car

Not a lawyer but been in insurance claims a long time. I could imagine some senario where you could be held responsible for their action. If you know they are a drunk or have extremely bad eye sight or a poor driving record .Another would be if they were on some mission for you or your employee but ...
by nodenuff2
Tue Dec 10, 2013 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance: Letting a friend borrow my car
Replies: 14
Views: 1404

Re: Auto Insurance: Letting a friend borrow my car

This creates some additional risk exposures for you suggest you seek written clarification from your insurance agent.
by nodenuff2
Tue Dec 10, 2013 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance: Letting a friend borrow my car
Replies: 14
Views: 1404

Re: Should a pay raise offer be negotiated?

We also have a percentage budget amount set by last year's salaries. However I have an outstanding group of over acheivers. We annually "bust the budget" I keep justifying it by the over performance of my employees. I would not attempt to negoiate at the time of your performance review rat...
by nodenuff2
Wed Dec 04, 2013 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should a pay raise offer be negotiated?
Replies: 20
Views: 1875

Re: Tractor for my 12 Acre Horse Farm

Random poster while a 40 hp tractor might be capable of pulling a small square baler it is very uncomfortable for the person ooperating the tractor. As the baler forces the hay into the chmber and the fly wheel comes around on a small tractor you get a strong jolt. We bale with the biggest tractor w...
by nodenuff2
Wed Nov 20, 2013 11:53 am
 
Forum: Personal Consumer Issues
Topic: Tractor for my 12 Acre Horse Farm
Replies: 28
Views: 3647

Re: Tractor for my 12 Acre Horse Farm

First let me say I have owned John Deere tractors for over 40 years. If you are not going to buy a Deere then go with the Kubota because the dealership is close at hand. While dependable tractors do break on occasion. Having parts close by is handy when you are working. Buy a 25-32 horse power tract...
by nodenuff2
Mon Nov 18, 2013 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Tractor for my 12 Acre Horse Farm
Replies: 28
Views: 3647

Re: REITS vs. primary residence and/or rental units

I concur. I own farm land and am not intested in any further real estate.
by nodenuff2
Wed Nov 06, 2013 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: REITS vs. primary residence and/or rental units
Replies: 14
Views: 1597

Re: Poll: How conservative/aggressive is your AA for your ag

63 and 50% moderate. Just an average boglehead. Right in the sweet spot.
by nodenuff2
Thu Oct 31, 2013 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: How conservative/aggressive is your AA for your age?
Replies: 106
Views: 8524
Next

Return to advanced search