Search found 77 matches

by Blister
Fri Dec 08, 2017 7:57 pm
Forum: Investing - Theory, News & General
Topic: Just not getting it
Replies: 69
Views: 8035

Re: Just not getting it

There are plenty of people out there that are smarter than you or I and have more information about individual stocks than we do. They do this full time and don't have a 9-5 job. They are called fund managers. Not one of them has been able to out perform the TSM over the long term. Past performance ...
by Blister
Tue Oct 17, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 105
Views: 10427

Re: how long did it take to get used to retirement

I've been retired for about 5 months and have experienced some of the difficulties previously mentioned. It is a work in progress. :?
by Blister
Thu Aug 03, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 276
Views: 26308

Re: A poll: How much money do you need to retire?

Just retired 2 months ago at 66
No pension
3.1M more than enough.
:D
by Blister
Sun Jul 30, 2017 2:50 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle, Eugene Fama- New Freakonomics Radio Podcast
Replies: 28
Views: 3629

Re: Jack Bogle, Eugene Fama- New Freakonomics Radio Podcast

Just listened to this today. The follow up podcast should be interesting as well.
by Blister
Thu Jun 22, 2017 7:56 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Brokerage account?
Replies: 4
Views: 451

TIAA Brokerage account?

Curious if anyone has a brokerage account with TIAA, and if so what has been your experience. How would they compare to Vanguard, TDAmeritrade, Schwab or Fidelity? Trying to decide where to consolidate my accounts. I will not be doing much trading. Mainly buy and hold and rebalance.
by Blister
Wed Feb 22, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: What are they trying to sell me here?
Replies: 27
Views: 3371

Re: What are they trying to sell me here?

No such thing as a free lunch.




+1
by Blister
Sun Jan 29, 2017 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Where to put the remaining money each month.
Replies: 13
Views: 2062

Re: Where to put the remaining money each month.

Since you do not have kids I don't think you can start a 529 plan, You need to have a beneficiary for that.
by Blister
Mon Jan 23, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 58
Views: 6585

Re: TIAA financial advisor?

The gentleman I met with was a "CFP" Also stated he was a fiduciary. First meeting was basically information gathering. No sales pitch but he did mention that TIAA had a brokerage service and there was varying levels of advice/management. He seemed to suggest that rebalancing should be don...
by Blister
Thu Jan 19, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: ok to pull plug and retire?
Replies: 52
Views: 8423

Re: ok to pull plug and retire?

:beer

Have a happy retirement.
by Blister
Thu Jan 19, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: what local pharmacy?
Replies: 57
Views: 4124

Re: what local pharmacy?

I recommend going to GoodRx.com and compare local prices. In my area CVS is the most expensive. Kroger and Walmart usually the least expensive. My wife likes the guy at CVS. :oops:
by Blister
Wed Jan 18, 2017 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 58
Views: 6585

Re: TIAA financial advisor?

"CFA"? Thats what the rep said but I'll find out more in a couple of days.
by Blister
Wed Jan 18, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 58
Views: 6585

TIAA financial advisor?

In the process of getting ready to retire in 6 months I was wondering what my options were with an old 403b account I had with TIAA-CREF. About a third is in the traditional TIAA annuity paying about 4.5% and the other 2/3 is in the CREF stock fund. (these moneys account for about 15% of my retireme...
by Blister
Wed Jan 18, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Does pharmacy school ranking matter?
Replies: 42
Views: 5189

Re: Does pharmacy school ranking matter?

If he is considering any type of academic career the more prestigious schools would be better. But if he is just interested in getting a job I don't feel that it would matter very much. I would be interested to see what others think.
by Blister
Wed Nov 30, 2016 10:17 am
Forum: Investing - Help with Personal Investments
Topic: 401K question with pending retirement
Replies: 3
Views: 598

401K question with pending retirement

Just gave my 180 day notice to retire mid next year at age 66. Have been doing the max 401k but with my salary and tax due significantly less next year(approximately half) should i just put those moneys in taxable account. We have adequate money outside our retirement accounts to put off SS till age...
by Blister
Mon Nov 28, 2016 6:10 pm
Forum: Investing - Theory, News & General
Topic: Commodities in your assets allocation
Replies: 22
Views: 1789

Re: Commodities in your assets allocation

Those responses have been quite helpful. One reason I asked this was because in Vanguards Managed payout fund they list Commodities at 4.9% but I could find no more specific information about how this was invested. Certainly I would not be tempted to try my hand at futures or options in straight com...
by Blister
Mon Nov 28, 2016 10:02 am
Forum: Investing - Theory, News & General
Topic: Commodities in your assets allocation
Replies: 22
Views: 1789

Commodities in your assets allocation

Just wondering if anyone includes commodities as part of their asset allocation. It certainly is not discussed much on the forum, but does seem to add a bit more diversification. Vanguard has an ETF and fund that covers this.
Vanguard Materials Index Fund Admiral Shares (VMIAX)
by Blister
Wed Nov 09, 2016 5:45 pm
Forum: Investing - Theory, News & General
Topic: Just don't panic
Replies: 61
Views: 10042

Re: Just don't panic

Guess there was no dip to buy. Well nice gain anyway. Stay the course. :beer
by Blister
Wed Nov 09, 2016 8:21 am
Forum: Investing - Theory, News & General
Topic: Just don't panic
Replies: 61
Views: 10042

Re: Just don't panic

I have some cash I needed to invest in equities. Anyone else buying on the dip today.
by Blister
Mon Sep 12, 2016 9:17 am
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 14888

Re: Who is ready for iphone 7?

Was thinking about upgrading my 4s. But now not so much. :?
by Blister
Mon Sep 12, 2016 9:14 am
Forum: Investing - Theory, News & General
Topic: ["Ignore Forecasts. They're Usually Wrong."]
Replies: 19
Views: 2365

Re: A look at one guru's forecasts

Nice reality check.
by Blister
Sun Jul 31, 2016 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Creative solutions to train young adult to be financially responsible & my $50k dilemma ...
Replies: 57
Views: 4286

Re: Creative solutions to train young adult to be financially responsible & my $50k dilemma ...

I agree with most of the other posters. Forget the house idea. Most 20 year olds would opt for an apartment, and they would have hard time qualifying for a mortgage Putting it against their loans would be the best approach
by Blister
Sun Jul 24, 2016 3:09 pm
Forum: Investing - Theory, News & General
Topic: King Solomon was the original Boglehead - historically speaking
Replies: 28
Views: 2515

Re: King Solomon was the original Boglehead - historically speaking

Wasnt Solomon the guy with all the wives and mistresses. Certainly not a Boglehead there. :wink:
by Blister
Thu Jul 21, 2016 3:35 pm
Forum: Investing - Theory, News & General
Topic: Discussing investing with spouse
Replies: 49
Views: 5051

Re: Discussing investing with spouse

island writes Blister- This reads like SHE is the one handling her mom's estate. Are you saying she's capable of that, but not interested in any hands on of her OWN estate at this time? Please clarify[/color]. She is certainly capable of doing the paper work dealing with lawyer etc. But in deciding ...
by Blister
Thu Jul 21, 2016 12:49 pm
Forum: Investing - Theory, News & General
Topic: Discussing investing with spouse
Replies: 49
Views: 5051

Re: Discussing investing with spouse

Thanks for the many helpful suggestions I certainly like the idea of a letter of instructions, which I have done to a limited extent already. Giving her a periodic summary may also be helpful and should open up avenues for discussion. Up till now I've been the primary breadwinner,and she has had no ...
by Blister
Thu Jul 21, 2016 8:53 am
Forum: Investing - Theory, News & General
Topic: Discussing investing with spouse
Replies: 49
Views: 5051

Discussing investing with spouse

Getting older and nearing retirement I have been trying to simplify both my and my spouse's retirement accounts. Over the past few years with the deaths of our parents we have seen first hand how complicated people can make there finances. My mother in law had over twenty accounts at various banks a...
by Blister
Wed Jul 20, 2016 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity beats Vanguard in ER
Replies: 30
Views: 3594

Re: Fidelity beats Vanguard in ER

Agree with Bondsr4me I like the Vanguard no frills site. In the process of moving my Schwab IRA to Vanguard. Have a taxable account with TD America and it is much too busy. Seems like they are trying to get me to trade more with all their bells and whistles. Have had Roth IRAs with Vanguard for few ...
by Blister
Fri Jun 24, 2016 12:27 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 118
Views: 13069

Re: International stocks in free fall

Was sitting on a bit of cash so decided it was a good day to buy. :D
by Blister
Sat Apr 16, 2016 6:41 am
Forum: Investing - Help with Personal Investments
Topic: Now i get it - mortgage payoff
Replies: 44
Views: 8026

Re: Now i get it - mortgage payoff

I paid off my mortgage a couple of years ago when I could no longer itemize deductions. Was a no brainer at that point.
by Blister
Fri Mar 11, 2016 4:41 pm
Forum: Personal Consumer Issues
Topic: Bee Pollen
Replies: 13
Views: 1811

Re: Bee Pollen

People swear by all manner of supplements from bee pollen to various herbs and essential oils.
As bogleheads I would think this forum would be more inclined to look at the facts or lack there of. I would suggest this article.

https://www.sciencebasedmedicine.org/be ... effective/
by Blister
Sat Oct 03, 2015 10:17 am
Forum: Investing - Help with Personal Investments
Topic: [How do I] short a stock
Replies: 28
Views: 2768

Re: [How do I] short a stock

I once shorted Iomega back in the heady tech days. Made a bit of money but the stress was not worth it.
Buy and hold in a passive asset allocation is much easier and I can go fishing. :happy
by Blister
Wed Sep 30, 2015 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: VTSMX and Substantially Identical Funds
Replies: 23
Views: 2038

Re: VTSMX and Substantially Identical Funds

Has anyone on this forum ever been denied a tax loss based on a wash sale? If so what were the circumstances?
by Blister
Wed Sep 09, 2015 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Life lessons: Making loans to friends. Insights? Revelations?
Replies: 191
Views: 23692

Re: Life lessons: Making loans to friends. Insights? Revelations?

Several years ago my sister and brother in law were going thru a bad time. Business failed, back taxes , fear of losing their home. I lent them $3000 which was a lot then but felt I could afford it. Had my sister sign a note. They paid me back when things were better. Recently a very good friend of ...
by Blister
Mon Aug 24, 2015 9:10 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 255
Views: 42293

Re: The Bogleheads' Silent Majority

Just a couple of years to retirement and for a while was starting to think my 50/50 asset allocation was too conservative. Glad I stuck with my plan. "Staying the course" Yes I'll sing that song.
by Blister
Sun May 10, 2015 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Need 401K help
Replies: 6
Views: 679

Re: Need 401K help

I guess I'll go
VIGAX 40%
VVIAX 40%
VISGX 20%

thanks for the input
by Blister
Sun May 10, 2015 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Need 401K help
Replies: 6
Views: 679

Re: Need 401K help

The other available domestic stock funds are: Alliance Berstein Value Fund ABVAX er 1.04% American Beacon small cap value AVPAX er 1.17% American Funds Growth Fund RGAEX er .68% Calvert Equity A CSIEX er 1.17% Harbor Capital appreciation HCAIX er 1.05% Columbia Acorn Lacac er 1.08% Royce Special Equ...
by Blister
Sat May 09, 2015 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Need 401K help
Replies: 6
Views: 679

Need 401K help

Presently my 401K plan only offers 4 Vanguard mutual funds. There are no other index or low expense funds available. The 4 Vanguard funds I can select from are: Growth index (VIGAX) Value index (VVIAX) Small cap growth (VISGX) Select value (VASVX) I would like to try and replicate the total market (...
by Blister
Fri Apr 24, 2015 9:03 am
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 18814

Re: How much do you pay in Property Taxes?

$1800 for 4000 sq foot home horse barn and 17 acres but I live in Tennessee
by Blister
Thu Apr 23, 2015 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 11592

Re: Marriage and splitting expenses

My inlaws were married over 50 years and during their entire marriage they kept all their money seperate and paid joint bills 50/50 She made slightly more than him. My father in law was suprised at how much money she had after passed away a couple of years ago. It worked for them. My wife and I comb...
by Blister
Wed Nov 19, 2014 1:38 pm
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 262
Views: 31737

Re: Why finance research is often wrong - the jelly bean pro

A broken clock will be right twice a day. Nice posting.
by Blister
Wed Sep 17, 2014 2:28 pm
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 212
Views: 22148

Re: What evidence would prove the Boglehead mentality wrong?

The list of Boglehead precepts will remain sound long term. I think many people, myself included, often wonder whether active investing could not outperform passive investing. Someone may develop a metric that would work to outperform indexes over the long term. As long as they did not make their fo...
by Blister
Wed Jul 23, 2014 3:43 pm
Forum: Investing - Theory, News & General
Topic: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000?
Replies: 33
Views: 4123

Re: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000

I would speculate that it will hit 18000 before it hits 20000. and it may hit 15000 before it goes to 14000.. Of course I am only guessing. :happy
by Blister
Sun Jul 20, 2014 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Can I retire early?
Replies: 28
Views: 5007

Re: Can I retire early?

Congrats you did it.
by Blister
Fri Jun 13, 2014 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: I cannot make the jump and retire
Replies: 97
Views: 18059

Re: I cannot make the jump and retire

It sounds like you need to take a vacation. A long 1-2 month vacation. That would help you to crystalize your thinking. You may decide you really still like working and find you aren't as burned out as you think. Or you may decide not to come back from vacation. :wink:
by Blister
Fri Jun 13, 2014 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Self Coverage in the Absense of Long Term Care Ins.
Replies: 13
Views: 1396

Re: Self Coverage in the Absense of Long Term Care Ins.

There are various stats available about the cost of LTC. One of the most telling stats is that 53% of people placed in nursing homes die within the first 6 months. The average length of stay is quoted at 2.7 years but a more useful stat is the median lenght of stay: 3 months for men and 8 months for...
by Blister
Sat Mar 15, 2014 2:41 pm
Forum: Investing - Theory, News & General
Topic: What to put in a taxable account.
Replies: 9
Views: 1185

What to put in a taxable account.

From reading the wiki and other sources I gather one needs to focus on keeping tax efficient funds and ETF's in taxable accounts. Does anyone have specific recommendations, or could you tell what you keep in your accounts.
by Blister
Mon Jan 20, 2014 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 613
Views: 94880

Re: High Earners - What's Your Profession?

According to 2011 data an average household income over $101K would put you in the top 20% in the country. Over $200k would put you in the top 4%. Everything is relative. Bogleheads are mostly high earners.

http://en.wikipedia.org/wiki/Household_ ... ted_States
by Blister
Mon Oct 14, 2013 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Social security retirement
Replies: 4
Views: 767

Social security retirement

I have read some about the various ways a person and their spouse can file for social security to maximize their overall retirement benefits. But it seems somewhat confusing. Searching amazon there seems to be quite a few books out there but just reading the reviews is often not helpful. Does anyone...
by Blister
Wed May 08, 2013 10:09 pm
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 31757

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

$450 but that was 39 years ago. Nearly half of my net worth at the time. Marriage and ring seems to have lasted longer than most. :)