Search found 257 matches

Return to advanced search

Re: Purchasing Food at Work

Leftovers from dinner. :moneybag
by user5027
Thu Jul 17, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: Purchasing Food at Work
Replies: 41
Views: 3966

Re: "The Incredibly Shrinking Financial System" by Jack Bogl

I was hearing (noise?) the last few days about how the big banks are experiencing lower trading revenues.

Is it possible Mr. Bogle's #1 and #2 are the cause? :?:

To buy and hold. :sharebeer
by user5027
Wed Jul 16, 2014 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: "The Incredibly Shrinking Financial System" by Jack Bogle
Replies: 10
Views: 1614

Re: Snake!

I though this thread was going to be about a financial advisor. :oops:
by user5027
Wed Jul 16, 2014 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4182

Re: vacation points program

I think that you did the right thing.
by user5027
Mon Jul 14, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: vacation points program
Replies: 18
Views: 1554

Re: Buying a camper

I know families that ended up buying a new rig to pull their new travel trailer - right after they tried to tow it over a mountain pass. My father in 1966 was pulling the boat/trailer with the family station wagon through the hills of western Maryland to Deep Creek Lake for a camping trip. After we...
by user5027
Mon Jul 14, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Buying a camper
Replies: 26
Views: 2459

Re: Sell taxable account to pay down student loans?

parsox wrote: This house will not be our final home as we move every 3 years.


Are you selling and buying every three years? You may want to consider renting. The transaction costs may make renting the wiser choice. I have heard do not buy unless you plan to live there at least 7 years.
by user5027
Mon Jul 14, 2014 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sell taxable account to pay down student loans?
Replies: 15
Views: 951

Re: "Stocks and shares," different things? "Peter Pan"

I always did a double take when reading about the Brits and their pension schemes. :?
by user5027
Mon Jul 14, 2014 8:50 am
 
Forum: Investing - Theory, News & General
Topic: "Stocks and shares," different things? "Peter Pan"
Replies: 39
Views: 2819

Re: Is There Need for Plan 'C' (Inverse of Plan B)?

S&P 2500? Bubble?

I'm thinking champagne (bubbles)! :mrgreen:
by user5027
Sun Jul 13, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: Is There Need for Plan 'C' (Inverse of Plan B)?
Replies: 12
Views: 1058

Re: Rebalancing Band for an asset class based on volatility

You could use time as a variable. Out of balance x % for y days (weeks or months).
by user5027
Sun Jul 13, 2014 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing Band for an asset class based on volatility
Replies: 12
Views: 1198

Re: Short-Term CDs vs Saving Account on Ally

Ally's saving account returns 0.87%. However, its 3-month CD only returns 0.3% APY. Rates of 6-month and 9-month are also lower than 0.87%. Why will anyone use these short-term CDs instead of saving? Am I missing something? Someone that thinks they will drop the savings account to 0.25% tomorrow, w...
by user5027
Sun Jul 13, 2014 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: Short-Term CDs vs Saving Account on Ally
Replies: 5
Views: 877

Re: Safe withdrawal rate > 4% if no heirs & ok to deplete ca

When I want to bend my potato chips I leave the bag open overnight. 8-)
by user5027
Sun Jul 13, 2014 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Safe withdrawal rate > 4% if no heirs & ok to deplete captl?
Replies: 32
Views: 3089

Re: Safe withdrawal rate > 4% if no heirs & ok to deplete ca

Taking your last breath while spending the last dime is an interesting concept. A concern for me is what will my situation be for say the last 5 years and how much will I need.
by user5027
Sun Jul 13, 2014 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Safe withdrawal rate > 4% if no heirs & ok to deplete captl?
Replies: 32
Views: 3089

Re: Why so afraid to "lose" money?

The theory is stocks could drop 50% or more and take longer than 1-5 years to recover and you will be forced to sell before the recovery.
by user5027
Sat Jul 12, 2014 3:09 pm
 
Forum: Investing - Theory, News & General
Topic: Why so afraid to "lose" money?
Replies: 22
Views: 3317

Re: High end purses

Taylor,

Very touching. Thank you for sharing.

I have to ask, did Pat get the Jag?
by user5027
Sat Jul 12, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 10970

Re: How to prepare for RMDs in an inherited IRA

livesoft wrote:I have dividends set to auto-reinvest and take the RMD by selling shares in January. Then I buy lunch for myself with the money.


I'll have to try that and tell everyone Mom is taking me to lunch. :sharebeer
by user5027
Sat Jul 12, 2014 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: How to prepare for RMDs in an inherited IRA
Replies: 3
Views: 455

Re: How to prepare for RMDs in an inherited IRA

I have an inherited roth ira holding one fund. I have the dividends set to reinvest and vanguard automatically sells the shares needed for the rmd every December. They place the rmd in our prime money market fund.
by user5027
Sat Jul 12, 2014 11:05 am
 
Forum: Personal Finance (Not Investing)
Topic: How to prepare for RMDs in an inherited IRA
Replies: 3
Views: 455

Re: Can we both collect SS spousal benefits, sequentially?

I just checked out the T Rowe Price social security calculator... I think it gave me some non optimal results... http://individual.troweprice.com/public/Retail/Retirement/Social-Security-Tool?WTAFeaturedResult=Social%20Security I am 62 with pia = $1500 She is 16 months younger with pia = $2000 we a...
by user5027
Fri Jul 11, 2014 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we both collect SS spousal benefits, sequentially?
Replies: 13
Views: 1767

Re: Can we both collect SS spousal benefits, sequentially?

I just checked out the T Rowe Price social security calculator... I think it gave me some non optimal results... http://individual.troweprice.com/public/Retail/Retirement/Social-Security-Tool?WTAFeaturedResult=Social%20Security I am 62 with pia = $1500 She is 16 months younger with pia = $2000 we a...
by user5027
Fri Jul 11, 2014 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we both collect SS spousal benefits, sequentially?
Replies: 13
Views: 1767

Re: Spouse Benefit - Social Security

There was a recent thread indicating that the TRP calculator has a flaw in its calculations. Unfortunately, I can't remember the details or manage to find the thread at the moment. Perhaps somebody else can provide a link? Is this it? It was never answered. http://www.bogleheads.org/forum/viewtopic...
by user5027
Fri Jul 11, 2014 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spouse Benefit - Social Security
Replies: 14
Views: 2037

Re: Spouse Benefit - Social Security

jkirkmd,

Have you tried using the T Rowe Price calculator?

http://individual.troweprice.com/public ... urity-Tool
by user5027
Fri Jul 11, 2014 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spouse Benefit - Social Security
Replies: 14
Views: 2037

Re: Vacation Home Fractional Ownership

I have no experience with fractional ownership, but with the posts above, it sounds like a pain in the buttocks. Do you really want to have to go to the vacation house every year? What if you want to go to Utah or Idaho next winter? Or if it has to be this area, why not just rent a place, and let t...
by user5027
Fri Jul 11, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vacation Home Fractional Ownership
Replies: 15
Views: 1737

Re: Changes to Vanguard Balance and Personal Performance tab

mickeyd wrote:I'm more interested in what my Vanguard portfolio looks like 10 years from now rather that 10 years ago.


Do they have a tab for that? :idea:
by user5027
Thu Jul 10, 2014 4:57 pm
 
Forum: Investing - Theory, News & General
Topic: Changes to Vanguard Balance and Personal Performance tabs
Replies: 18
Views: 2097

Re: Help Finding Top Notch Naples Florida Home Inspector

Hello, I am considering a condo purchase in Naples Florida. I read recently that it is not neccesarily a good idea to use the Home Inspector your real estate agent recommends. Does anyone have a good experience with a Home Inspection Company in the Naples, Florida area that they would feel comforta...
by user5027
Thu Jul 10, 2014 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help Finding Top Notch Naples Florida Home Inspector
Replies: 4
Views: 558

Re: How I look at $ in the real world vs my retirement accou

My wife has always referred to the retirement funds as "funny money."
by user5027
Thu Jul 10, 2014 7:50 am
 
Forum: Personal Finance (Not Investing)
Topic: How I look at $ in the real world vs my retirement accounts
Replies: 45
Views: 5787

Re: What if your private residence doesn't meet fire code?

Local codes may and should require permits for alterations. Permit process includes plan review for compliance with code. Is it an egress issue? Hard to tell from what you describe .
by user5027
Mon Jul 07, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: What if your private residence doesn't meet fire code?
Replies: 5
Views: 497

Re: Luggage recommendation

There is no such thing as luggage will last through modern airport handling. Just get what works at the lowest price you can find. I like the Costco stuff previously mentioned. When it finally breaks, and it will, get another. I like Eagle Creek stuff, but it's no better, and costs a lot. +1 We usu...
by user5027
Mon Jul 07, 2014 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 34
Views: 2146

Re: Retiring without any Direction

Maybe her entertainment is torturing you. :twisted:
by user5027
Mon Jul 07, 2014 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiring without any Direction
Replies: 26
Views: 2055

Re: NY Times: Not enough younger investment advisors

Maybe they know...

Bogleheads are to financial advisors as the automobile is to farriers.

You still need some but not nearly as many. :happy
by user5027
Fri Jun 27, 2014 12:29 pm
 
Forum: Investing - Theory, News & General
Topic: NY Times: Not enough younger investment advisors
Replies: 72
Views: 7318

Re: Medical plan and dependent care

I will have a break between jobs (10-15 days). I am pretty sure you can retroactively start Cobra during that period time if you find you need it. Thats awesome! I love this forum! My son was in a similar situation and I suggested he fill out and sign the paperwork and give it to someone to hold in...
by user5027
Thu Jun 26, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical plan and dependent care
Replies: 7
Views: 263

Re: Am I Nuts?

Jack FFR1846 wrote: Our $23,000 addition only cost about $50,000 by the time we were done.


You're lucky. For laughs watch The Money Pit (1986). :twisted:
by user5027
Thu Jun 26, 2014 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I Nuts? [Purchased "forever house," planning addition]
Replies: 34
Views: 2732

Re: Medical plan and dependent care

ejvyas wrote:I will have a break between jobs (10-15 days).


I am pretty sure you can retroactively start Cobra during that period time if you find you need it.
by user5027
Thu Jun 26, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical plan and dependent care
Replies: 7
Views: 263

Re: Paperless Statements (bank checking acct)

This reminds me of a Humor in Uniform tidbit in Reader's Digest many, many years ago. An overseas post near the battle zone was short on storage space for all their documents, so they submitted a request to HQ for authorization to destroy the old paperwork that was no longer needed. HQ granted perm...
by user5027
Thu Jun 26, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Paperless Statements (bank checking acct)
Replies: 64
Views: 3057

Re: Paperless Statements (bank checking acct)

Went paperless and works fine. I use excel as my check register / cash flow projector to year end. I reconcile every time I log on to my checking account/bill payer (every few days). I know the statement cutoff is the 14th. I don't reconcile after that until the statement is issued. When statement i...
by user5027
Thu Jun 26, 2014 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Paperless Statements (bank checking acct)
Replies: 64
Views: 3057

Re: Timing new portfolio

8-10 years? I would put it all in NOW.

I faced the same question in January 2013. I am ecstatic I lump summed. :sharebeer
by user5027
Thu Jun 26, 2014 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Timing new portfolio
Replies: 7
Views: 490

Re: Am I Nuts?

In my experience a remodel will require permits and permits trigger real estate tax re-appraisal. Be prepared.
by user5027
Thu Jun 26, 2014 8:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I Nuts? [Purchased "forever house," planning addition]
Replies: 34
Views: 2732

Re: Inherited IRA-calculating RMD

I and my two brothers inherited a roth IRA from Mom that she had at Big Name Bank. I transferred my third to Vanguard and Vanguard rep set up RMD for me. It is on auto pilot and happens every 12/15 like clockwork.
by user5027
Wed Jun 25, 2014 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA-calculating RMD
Replies: 10
Views: 742

Re: Long-Term Care Insurance? Is it a good idea?

I told our children while they were in college that we were paying tuition instead of buying LTC insurance and when the time comes to turn the wheelchair so the sun is not in my eyes and to wipe the drool off my chin.

I hope they don't forget. :mrgreen:
by user5027
Wed Jun 25, 2014 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long-Term Care Insurance? Is it a good idea?
Replies: 24
Views: 1838

Re: Keeping mold out of bath/shower

You could dry the shower after each use. We have started doing this. Bought a small squeegee with a suction cup storage hook at Bed, Bath and Beyond. Takes two minutes. Squeegee the shower walls after drying off. Then wipe down the walls with the bathroom floor towel before hanging it to dry over t...
by user5027
Wed Jun 25, 2014 4:34 pm
 
Forum: Personal Consumer Issues
Topic: Keeping mold out of bath/shower
Replies: 27
Views: 2196

Re: Can I afford a house in this price range? ($500k)

Based on income looks doable.

Concerns:

Down payment and closing may reduce emergency fund too much.

You look behind on retirement. Any pensions or 401k?

(edited: missed the proceeds from sale of current home.)
by user5027
Wed Jun 25, 2014 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a house in this price range? ($500k)
Replies: 31
Views: 4404

Re: NY Times: Not enough younger investment advisors

Andyrunner wrote: I honestly couldnt sell a product I believed in.


:?:
by user5027
Wed Jun 25, 2014 9:55 am
 
Forum: Investing - Theory, News & General
Topic: NY Times: Not enough younger investment advisors
Replies: 72
Views: 7318

Re: What is the risk of having too much house

our take home pay after taxes is about 13,000 a month and the mortgage payment + property taxes would be around 7500. And our average expenses per month not including mortgage is about 5000 per month. So I think if we are lucky we would have a small cushion of around $500 per month. You have not in...
by user5027
Tue Jun 24, 2014 7:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the risk of having too much house
Replies: 51
Views: 4507

Re: What is the risk of having too much house

What is the monthly mortgage, HO insurance and RE taxes compared to your income?

How stable is (are) your job(s)?
by user5027
Tue Jun 24, 2014 6:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the risk of having too much house
Replies: 51
Views: 4507

Re: First-time home buyer in New Jersey (Mercer, Somerset)

I would consider not buying in NJ due to the high taxes. You are looking in an area very close to PA where the taxes are less.
by user5027
Sun Jun 22, 2014 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Timeline for buying a house + Q about central Jersey
Replies: 28
Views: 2446

Re: Tira withdrawals

Any gains in the roth would be tax free.

If your heirs can leave the money in the roth, they will need to take rmd's based on their life expectancy and again any gains are tax free.
by user5027
Fri Jun 20, 2014 10:25 am
 
Forum: Investing - Theory, News & General
Topic: Tira withdrawals
Replies: 6
Views: 403

Re: Poll: Do you receive compensation for financial advice?

I don't, but would like to someday. With my love of spreadsheets and personal finance, I'd like to offer a simple fee based "total budget review" to local clients when I hit my later years. Maybe use the appointment based business as a sort of transition into retirement type of hobby. If ...
by user5027
Tue Jun 17, 2014 7:15 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you receive compensation for financial advice?
Replies: 29
Views: 2074

Re: Like Bogleheads, for Life ??

There's more to life? :shock:
by user5027
Mon Jun 16, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Forums like Bogleheads, for Life ?? (other aspects)
Replies: 56
Views: 4298

Re: Recommend a personal finance talk radio show.

He retired but I always liked Harry S. Gross in Philadelphia. He was a Wharton Grad and CPA and still writes a column for the Daily News.

My Dad listened to him when I was growing up. Miss you Dad.
by user5027
Mon Jun 16, 2014 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recommend a personal finance talk radio show.
Replies: 15
Views: 1227

Re: Frustration with medical providers

Do you pay the sticker price at the auto dealership? :oops:
by user5027
Fri Jun 13, 2014 3:34 pm
 
Forum: Personal Consumer Issues
Topic: Frustration with medical providers
Replies: 24
Views: 1739

Re: Edward Jones came to my door

Doc wrote:Having an EJ office in the strip center is a lot better than a [OT comparison removed by admin LadyGeek --admin LadyGeek].


Are they that much different? :D
by user5027
Wed Jun 11, 2014 10:51 am
 
Forum: Investing - Theory, News & General
Topic: Edward Jones came to my door
Replies: 44
Views: 2715

Re: Should I add a detached garage?(resale value)

My brother lives on 10 acres in a nice sized 4 bedroom house with 2 car attached garage. He built a detached garage. 6 cars (3 wide x 2 deep) with garage doors on both front and rear so you can drive through like some firehouses are built. It also has a second floor office. When you look at his prop...
by user5027
Wed Jun 11, 2014 9:23 am
 
Forum: Personal Consumer Issues
Topic: Should I add a detached garage?(resale value)
Replies: 24
Views: 1383
Next

Return to advanced search