Search found 94 matches

by Blister
Wed Apr 11, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: Should I prewire my home network myself?
Replies: 40
Views: 2282

Re: Should I prewire my home network myself?

I wired my home myself several years ago and was not very difficult. But now we never use the cables, only wireless. We do live in the country and no neighbors close enough to tap in to our modem if the got the password.
by Blister
Thu Mar 08, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Why (or why not) use an advisor
Replies: 42
Views: 2064

Re: Why (or why not) use an advisor

Several years ago I hired an advisor to manage our profit sharing plan for a small business I owned. He was independent (not associated with any major financial firm). He basically invested our monies in individual stocks that did not beat the market averages, in fact was several percentage points b...
by Blister
Wed Mar 07, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs Traditional IRA Allocation
Replies: 7
Views: 628

Re: Roth vs Traditional IRA Allocation

You may be putting too fine a point on it but yes the assets you expect to grow more between now and when you make a withdraw would be placed in the Roth account.
by Blister
Wed Mar 07, 2018 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Compare the following note with index fund
Replies: 18
Views: 1244

Re: Compare the following note with index fund

Since I don't understand it I would not invest in it.
:confused
by Blister
Sat Feb 24, 2018 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: ETF vs. MF
Replies: 4
Views: 448

Re: ETF vs. MF

What is your time horizon. What is your desired asset allocation. What other investments to you currently have. Too little information to comment.
by Blister
Fri Feb 09, 2018 12:34 pm
Forum: Investing - Theory, News & General
Topic: Should you sell your investments when they start dropping? When should you invest during this market correction?
Replies: 52
Views: 4322

Re: Should you sell your investments when they start dropping? When should you invest during this market correction?

My plan is to not sell at all. It sucks seeing my account down 50K+ - but that is how it goes. My AA is 60/40 - I'm 52 and while the market is going down - I'm still buying - to get some deals: 401k - 403B- buy 4 times a month After Tax - buy 4 times a month Savings (Ally) 4 times a month (same thi...
by Blister
Tue Feb 06, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Where to keep money to get to Social Security at age 70?
Replies: 14
Views: 1306

Re: Where to keep money to get to Social Security at age 70?

Sum-day wrote:
Tue Feb 06, 2018 3:45 pm
I'd put together a CD ladder.

Same here 1+
by Blister
Tue Feb 06, 2018 4:39 pm
Forum: Investing - Theory, News & General
Topic: Market Drop - A Perspective (2.6.18)
Replies: 12
Views: 2636

Re: Market Drop - A Perspective (2.6.18)

My perspective was most of the posts recently were how astute people felt they were with a high percentage of their investments in equities. Having lived thru the '87 drop, dot com drop, 2008 drop; one realizes that what goes up can also go down. Was going to rebalance last week but was just under m...
by Blister
Fri Feb 02, 2018 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: What advice would you give yourself if you were 27 again?
Replies: 120
Views: 8064

Re: What advice would you give yourself if you were 27 again?

Keep the Toyota and don't buy the Datsun 280ZX. Put the $12000 into Apple stock instead. (1979)
by Blister
Fri Feb 02, 2018 2:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6412
Views: 1375309

Re: U.S. stocks in freefall

Lbill wrote:
Mon Aug 08, 2011 1:30 pm
DOW is down by over 550 points with a couple hours of trading left. Trading halt on the way?

This was the first post on this thread. 2011 :beer
by Blister
Mon Jan 22, 2018 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvesting or IRA to Roth conversion ?
Replies: 2
Views: 246

Tax gain harvesting or IRA to Roth conversion ?

Having retired last year, I am delaying taking SS until 70. No earned income in 2018 though we have adequate moneys in taxable accounts until age 70. My thoughts were to use to the next couple of years to convert IRA money to Roth while in low tax bracket. But now Im also considering selling some eq...
by Blister
Sat Jan 20, 2018 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Going Bogle
Replies: 13
Views: 1891

Re: Going Bogle

It looks like your Asset Allocation adds up to 95% I assume the other 5% is your cash holdings. Agree with the other posters that with an iffy job situation cash (emergency fund) should be held in CD's MMF or the like outside of your 401k. It doesn't make sense to me to hold cash reserves in a retir...
by Blister
Fri Jan 19, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: $5000 to invest in brokerage account - what to invest?
Replies: 17
Views: 1041

Re: $5000 to invest in brokerage account - what to invest?

If you can graduate medical school even with the lowest possible passing grade, you can learn everything you need to invest reasonably and beat most people's returns in a few hours. Good job - I always forget to look at user's past posts. :D Bones_Jones - based on the info you posted in 2016, you a...
by Blister
Fri Jan 19, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Case For/Against Financial Advisor + Portfolio
Replies: 13
Views: 1040

Re: Case For/Against Financial Advisor + Portfolio

Welcome to the forum. The portfolio you outlined at the end of your post seems appropriate for a 24 yo starting out. It is fairly aggressive but if this is money you will not use until retirement that seems reasonable. The three fund portfolio with lower fees and no loads should perform better in th...
by Blister
Thu Jan 11, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 309
Views: 31043

Re: Anyone tired of the stock market going up?

Like others on the forum, at times feeling a bit lightheaded with the continuing up market. Noticed that my portfolio has not had a down month since Oct 2016. We know it won't last forever, but will enjoy the party while it lasts.

:beer
by Blister
Thu Dec 28, 2017 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Invest or pay off car loan?
Replies: 17
Views: 944

Re: Invest or pay off car loan?

I would agree with others that paying off the loan was a good idea. :thumbsup
by Blister
Thu Dec 28, 2017 10:04 am
Forum: Investing - Help with Personal Investments
Topic: is using HSA as investment vehicle worth the trouble?
Replies: 50
Views: 4735

Re: is using HSA as investment vehicle worth the trouble?

Since I paid off the mortgage and other deductions are minor I have not itemized in a few years. And with the new tax law will be even less likely to itemize. So our HSA is in a MMF with a debit card. Have been using it to pay copays etc past few years Will probably be empty in about 4 years. Using ...
by Blister
Fri Dec 08, 2017 7:57 pm
Forum: Investing - Theory, News & General
Topic: Just not getting it [Stock Picking versus TSM]
Replies: 98
Views: 14833

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: 11417

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: 29649

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: 4081

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: 508

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: 3505

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: 2128

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: 7886

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 done more fre...
by Blister
Thu Jan 19, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: ok to pull plug and retire?
Replies: 52
Views: 8645

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: 4356

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: 7886

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: 7886

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: 5513

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: 639

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: 2222

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: 2222

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: 10308

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: 10308

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: 15477

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: 2444

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: 4504

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: 2576

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: 5157

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: 5157

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: 5157

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: 3672

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: 13389

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: 8116

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: 1845

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/bee-pollen-supplements-not-safe-or-ef...
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: 2842

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: 2298

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: 24079

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 ...