Search found 93 matches

by Nova1967
Fri Apr 21, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 465
Views: 191007

Re: TV show recommendations?

bloom2708 wrote:
Nova1967 wrote:Bill O Reilly and Keeping up with the Kardashians


You have to use the :wink: icon after recommending a canceled show. :wink:

+1 for Fargo (season 3). Better Call Saul (season 3) also just started. This is the prequel to Breaking Bad.


He'll be back
by Nova1967
Fri Apr 21, 2017 8:43 am
Forum: Investing - Theory, News & General
Topic: Visualizing the devastating impact of fees
Replies: 54
Views: 4773

Re: Visualizing the devastating impact of fees

I'm grateful to the BHs and Jack Bogle books helping me to realize the benefits of low fees. When I first started investing in the 80s and 90s it was normal to get a 20% return therefore 1% did not seem to be that much. Nowadays with 5% the norm its understandable why low fee index funds are so popu...
by Nova1967
Fri Apr 21, 2017 7:48 am
Forum: Personal Finance (Not Investing)
Topic: CPA or TurboTax
Replies: 18
Views: 1416

Re: CPA or TurboTax

I prefer Turbo tax, I go to a CPA is I get a letter from the IRS and need to correct a discrepancies
by Nova1967
Fri Apr 21, 2017 7:42 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 465
Views: 191007

Re: TV show recommendations?

Bill O Reilly and Keeping up with the Kardashians
by Nova1967
Fri Apr 21, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: Home Insurance Premium - How to decrease.
Replies: 41
Views: 3621

Re: Home Insurance Premium - How to decrease.

I have a 25k deductible for Wind , even if I have to use it once in 20 years my savings will exceed my deductible.
by Nova1967
Sun Apr 16, 2017 9:36 am
Forum: Investing - Theory, News & General
Topic: Merrill Lynch advisory fees
Replies: 22
Views: 1736

Re: Merrill Lynch advisory fees

In 1981 at age 17 I bought my first stock with Merrill Lynch, $2500.00 for shares of IBM, I thought it was odd that they would charge a $100 commission and another $100 when I sold. It came out to 8% fees for a stock I lost money on, Live and Learn. I eventually discovered Fidelity and Vangaurd whic...
by Nova1967
Sat Apr 15, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: My kids don't care about saving
Replies: 114
Views: 10796

Re: My kids don't care about saving

Your kids situation replicates 95% of 20 somethings, At that age it's hard to imagine being 65 and retired. I know when I was in my 20s opening an IRA was the furthest thing from my mind.
by Nova1967
Fri Mar 31, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 143
Views: 8087

Re: When do you plan to die?

I'd like to deplete most of my assets by 80, after that I can get by on a small pension and hopefully SS that I will delay until 70.
by Nova1967
Sun Mar 19, 2017 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 6367

Re: Am I Addicted

Sounds like when your time comes someone will reap the benefits of your addiction.
by Nova1967
Sat Mar 18, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 169
Views: 15074

Re: "Millionaire Next Door" Net Worth Formula

"So what if you didn’t start working until you completed an advanced degree, served in the military or were disabled? In such cases, you need to deduct those years from your current age when using the Wealth Equation. Again, if you haven’t reached your 50s, the Wealth Equation" In the art...
by Nova1967
Sat Mar 18, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 169
Views: 15074

Re: "Millionaire Next Door" Net Worth Formula

"So what if you didn’t start working until you completed an advanced degree, served in the military or were disabled? In such cases, you need to deduct those years from your current age when using the Wealth Equation. Again, if you haven’t reached your 50s, the Wealth Equation is likely to over...
by Nova1967
Fri Mar 17, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: PayPal - Any Disadvantages?
Replies: 28
Views: 2354

Re: PayPal - Any Disadvantages?

I opened a paypal accounted several years ago to make some purchases on E Bay After many years of inactivity I noticed PayPal transaction taking a few thousands dollar from my Bank of America checking account. I resolved the issue by changing my Bank Account number and was reimbursed I will never us...
by Nova1967
Tue Mar 14, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Pipe leak damaged house
Replies: 18
Views: 1744

Re: Pipe leak damaged house

I am not sure where you are located, but keep a close I on the ceiling beams, Termites often infest in wet softened wood. I had this issue in my home from a flood several years ago. Replacing the beams, plywood and ceiling joists will cost thousands
by Nova1967
Mon Mar 13, 2017 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback on retirement withdrawal rates
Replies: 6
Views: 818

Re: Feedback on retirement withdrawal rates

Not sure where you're getting the numbers from, but I retired from the .gov almost two years ago, and I found this very helpful for running scenarios: https://www.i-orp.com/ORPparms.html There have been critiques of some aspects of this calculator, particularly for Roth conversions, but I like it f...
by Nova1967
Mon Mar 13, 2017 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback on retirement withdrawal rates
Replies: 6
Views: 818

Re: Feedback on retirement withdrawal rates

It would be helpful to know the rules regarding withdrawal of funds from TSP. Is there a penalty for early withdrawal? This may be a little more complicated than the scenarios you laid out. The exact sources of income in each year are important because they have an impact on your tax obligation. I ...
by Nova1967
Sun Mar 12, 2017 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback on retirement withdrawal rates
Replies: 6
Views: 818

Feedback on retirement withdrawal rates

Hello Bogleheads, I find the BH site to be very informative and I know that members are very knowledgeable relating to retirement related situations. I retire from the Federal Government in October of 2018 at the age of 57. I am considering various withdrawal strategies from Social Security at age 6...
by Nova1967
Fri Mar 03, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Foreign Car Rental Insurance
Replies: 12
Views: 849

Re: Foreign Car Rental Insurance

Please make a note to drive in the left side of the road to increase the probability that you don't have to use the insurance
by Nova1967
Sun Feb 19, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2609
Views: 688902

Re: What Movie Have You Recently Watched?

The Founder Ambitious, success-driven Ray Kroc attempted several unsuccessful business ventures before coming across McDonalds in San Bernardino in 1955. The business model used by the McDonald brothers created a fast, efficient, and focused popular restaurant but the brothers were basically conten...
by Nova1967
Sat Feb 18, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig / WSJ lists some books
Replies: 3
Views: 1342

Re: Jason Zweig / WSJ lists some books

You definitely have to be intelligent to comprehend Ben Grahams The Intelligent Investor.
by Nova1967
Sat Feb 18, 2017 12:27 pm
Forum: Investing - Theory, News & General
Topic: What's a good analogy for average returns?
Replies: 45
Views: 2891

Re: What's a good analogy for average returns?

You need to take a difficult and frustrating course. You go to class. The professor offers two choices: 1. Leave now with a final grade of B+. 2. Take the course and be graded according to: 10% "A", 20% "B", 50% "C", 20% "D", and 10% "F". Bogleheads...
by Nova1967
Wed Feb 15, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Which luxury auto brand depreciates the most?
Replies: 38
Views: 4823

Re: Which luxury auto brand depreciates the most?

Germans depreciate the most. Japanese the least. Most likely due to repair/maintenance costs and reliability. Not necessarily, Porsche holds it value, A few years ago I sold air cooled 1993 911 Porsche for 25K now they are going for 75K Air cooled Porsches are a bit of a special case. What you saw ...
by Nova1967
Mon Feb 13, 2017 8:43 am
Forum: Personal Consumer Issues
Topic: Which luxury auto brand depreciates the most?
Replies: 38
Views: 4823

Re: Which luxury auto brand depreciates the most?

Alexa9 wrote:Germans depreciate the most. Japanese the least. Most likely due to repair/maintenance costs and reliability.

Not necessarily, Porsche holds it value, A few years ago I sold air cooled 1993 911 Porsche for 25K now they are going for 75K
by Nova1967
Sun Feb 12, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 16535

Re: Why do you go to restaurants?

I believe it depends on what you value like most other things, Why go to an NFL game or play golf at a high end course?
In regards to Restaurants Some people live to eat, others eat to live
by Nova1967
Sat Feb 11, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare Spending Account Newbie- Help with rules...
Replies: 6
Views: 508

Re: Healthcare Spending Account Newbie- Help with rules..

I just enrolled in a HSA with HSA bank, the process was confusing at first since HR with my employer did not know what an HSA is, but were familiar with the Flex spending account. My understanding is you need an HDHP, which I have, and if not enrolled by your employer you can set up an HSA with an H...
by Nova1967
Sat Feb 11, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Newer SUV, high milage vs older SUV with low milage
Replies: 8
Views: 775

Re: Newer SUV, high milage vs older SUV with low milage

I'd go with the 2014.with 20k miles, if you look check out the the auto trader you might be able to find an even better deal, low miles will mean lower Maintenance costs, and if you hold it for 6 to 7 years the resale value will not be that much. Buying a Mercedes is usually a status statement vs a ...
by Nova1967
Fri Feb 10, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Rule of Thumb for Getting Rid of Car
Replies: 51
Views: 5470

Re: Rule of Thumb for Getting Rid of Car

I believe it's best to get rid of a car when it starts overheating or burning oil, that's a sign of things to come.
by Nova1967
Fri Jan 20, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: Miami -Florida Keys visit - Late January- Suggestions
Replies: 29
Views: 2275

Re: Miami -Florida Keys visit - Late January- Suggestions

You could visit the Rayborn House at Morada Bay in Islamorada
Ask for Danny Rayborn and he could hook you up on a fishing trip or site seeing adventure , an unforgettable experience.
by Nova1967
Sat Jan 14, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 10379

Re: How much do you typically spend in a restaurant?

Alcohol is a big factor with bottle of wine costing $40 on the low end or the house wine at $10 plus a glass, In South Fl you have to watch the 18% percent automatic service charge at some restaurants. This is a result of the Large amount of Tourists from Europe where tipping is not a custom. After ...
by Nova1967
Fri Jan 06, 2017 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: 500K milestone celebration
Replies: 74
Views: 7431

Re: 500K milestone celebration

JupiterJones wrote:
grap0013 wrote:What if the OP makes 450K per year?


Then they're killin' it career-wise. Congrats in order either way! :sharebeer


The OP was not specific about how he accomplished his 500k NW
by Nova1967
Fri Dec 30, 2016 7:27 pm
Forum: Personal Consumer Issues
Topic: What's your usual retirement day like ?
Replies: 201
Views: 43363

Re: What's your usual retirement day like ?

0800 Get up. Ablutions. Read online paper. 0900 Plan rest of day 0930 Revise plan 1000 Nap 1200 Lunch 100 Wander aimlessly, then waste more time on internet 500 What's for dinner? 600 Eat 730 Jeopardy 800 Do stuff I planned to but never got around to 1100 zzzzzz Repeat as necessary. No time for bei...
by Nova1967
Tue Dec 27, 2016 1:14 pm
Forum: Investing - Theory, News & General
Topic: Pimco Income Fund vs. Vanguard Total Bond Market
Replies: 51
Views: 4678

Re: Pimco Income Fund vs. Vanguard Total Bond Market

Since Bill Gross departed I believe Pimco has gone down hill. Much of Pimcos success was a result of Bill Gross rein as the bond King, A couple of years ago he jumped ship and went to Janus.
by Nova1967
Sun Dec 18, 2016 9:24 am
Forum: Investing - Help with Personal Investments
Topic: TSP Plan question
Replies: 5
Views: 630

Re: TSP Plan question

I'm also a couple years from retirement, I recently reallocated my portfolio. I keep my bonds in the TSP, F Fund 10% G 25% S 10% C and Roth TSM 30% Roth Vanguad Int 20% Cash 5% I believe the F Fund replicates the Vanguard Total Bond Fund I would keep most of my bond portion in the G and if you are o...
by Nova1967
Fri Dec 16, 2016 11:21 am
Forum: Investing - Help with Personal Investments
Topic: anyone else moving into bond funds
Replies: 30
Views: 3592

Re: anyone else moving into bond funds

The end of the year is a good time to rebalance. I only rebalance once a year and my decision is not based on wether the market is at record highs or has dropped 20 percent.
I believe in staying the course as several BHs have emphasized.
by Nova1967
Sat Dec 03, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Getting Stingy?
Replies: 90
Views: 11623

Re: Amazon Prime Getting Stingy?

If it's a low cost item like $15 computer accessories you might be better off going to the store and purchasing it, I don't believe the savings are that much plus why wait a few days or a week when you can get the product instantly.
by Nova1967
Thu Dec 01, 2016 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: What level of wealth will get the attention of an estate attorney?
Replies: 39
Views: 6223

Re: What level of wealth will get the attention of an estate attorney?

I'm a single guy with no heirs and looked into leaving my estate (1.3M) to some charities and relatives, the Estate Attorneys I talked to wanted around 3k I was thinking a few hundred since it's fairly simple despite the amount. I figure I could leave beneficiaries on my accounts to charities,,As st...
by Nova1967
Fri Nov 25, 2016 11:03 am
Forum: Investing - Theory, News & General
Topic: Approaching the S&P 500 like Benjamin Graham
Replies: 13
Views: 2395

Re: Approaching the S&P 500 like Benjamin Graham

Benjamin Grahams the Intelligent investor is a good read but not an easy one. It's probably best to set up a watch list based on his recommended criteria before you decide to purchase any stock
I prefer index funds and the results have been quite Satisfactory
by Nova1967
Fri Nov 25, 2016 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation for Fed Employee.
Replies: 5
Views: 832

Re: Portfolio Allocation for Fed Employee.

I think it looks fine for the time up until retirement. Once in retirement, consider taking a different approach to withdrawals because of the awkward and limited withdrawal options of the TSP. What I did is roll a lump sum out to tIRA (your one time opportunity) and left the rest of the TSP to coo...
by Nova1967
Fri Nov 25, 2016 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation for Fed Employee.
Replies: 5
Views: 832

Re: Portfolio Allocation for Fed Employee.

alec wrote:It all looks good to me. Not sure what you could be improve. Are all the non-tsp funds in the Roth?

Hi Alec, Thanks for the response,the Roth is composed of Vanguard International Index and TSM. The TSM is in addition to the C fund to apply a total 60/40 allocation.

:beer
by Nova1967
Fri Nov 18, 2016 8:14 am
Forum: Personal Consumer Issues
Topic: Vacation spots on Alabama's Gulf coast
Replies: 27
Views: 2628

Re: Vacation spots on Alabama's Gulf coast

I believe the culture in Alabama is college football, everything revolves around it.
I don't know too much about Alabama but Biloxi is nearby for a side trip.
,
by Nova1967
Sat Nov 12, 2016 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Retire early and sail off into the sunset?
Replies: 47
Views: 6341

Re: Retire early and sail off into the sunset?

Sounds like you are pretty adventurous, Watch out for Pirates
by Nova1967
Thu Nov 10, 2016 9:04 am
Forum: Personal Consumer Issues
Topic: Recommendations carry-on luggage with suiter
Replies: 7
Views: 891

Re: Recommendations carry-on luggage with suiter

Don't travel with linen shirts
by Nova1967
Thu Nov 10, 2016 8:39 am
Forum: Personal Consumer Issues
Topic: Wife's Colleague Scratched our car with his car
Replies: 30
Views: 4145

Re: Wife's Colleague Scratched our car with his car

If the colleague caused the damage I assume he or his insurance is paying for it, a reputable body shop should care of it, If you're not paying why would you be concerned about the price. If it is coming out of your pocket its best to get at least three estimates. You will probably notice a large va...
by Nova1967
Sun Nov 06, 2016 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy Fund for short term investing
Replies: 6
Views: 683

Re: LifeStrategy Fund for short term investing

If your objective Is to buy a car life strategy might be feasible, depending on how picky you are.
If it goes way up you could buy a Mercedes if it drops maybe a Toyota Corolla. Who wants to get 1 percent in a money market fund, all depends on your tolerance for risk
by Nova1967
Sat Nov 05, 2016 7:09 am
Forum: Personal Consumer Issues
Topic: Which state to move for milder weather
Replies: 118
Views: 13698

Re: Which state to move for milder weather

I believe it would relate primarily to you economic and Professional situation. If you are a high earner in the technology field and can afford a million dollar house the silllicon valley would be the place to live. Austin Texas is also a big technology area that is very affordable. If you don't hav...
by Nova1967
Fri Oct 21, 2016 8:45 am
Forum: Personal Consumer Issues
Topic: Appalachian Trail thru-hike in retirement?
Replies: 72
Views: 9347

Re: Appalachian Trail thru-hike in retirement?

My hats off to you, I hiked Cinque Terre in Italy between 5 villages on a day hike with out a pack at age 50 and it about killed me
You definitely have to be in good shape
by Nova1967
Fri Oct 21, 2016 7:29 am
Forum: Personal Finance (Not Investing)
Topic: How do you analyze your spending? (Where is my money going?)
Replies: 69
Views: 6431

Re: How do you analyze your spending? (Where is my money going?)

Excel allows you to customize your categories and keep track of spending and it's quick and simple.
by Nova1967
Thu Oct 20, 2016 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance Premium Increase
Replies: 29
Views: 3412

Re: Long Term Care Insurance Premium Increase

I would just assume go without LTC, I have no heirs and if I get to the point where I need long term care I don't believe I will be able to enjoy my assets in such pursuits as travel,golf, going to nice restaurants etc. If worst comes to worst I have a home worth about 400k to take care of things fo...
by Nova1967
Thu Oct 20, 2016 5:29 pm
Forum: Investing - Theory, News & General
Topic: WSJ - The Dying Business of Picking Stocks
Replies: 38
Views: 6303

Re: WSJ - The Dying Business of Picking Stocks

I believe once the market sets up a new trend like electronics in the 60s, the Internet bubble and the housing bubble active management will return, after all index investing is boring.
Things are currently slow which is why index inv sting is currently popular
by Nova1967
Fri Oct 14, 2016 8:01 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's New Book is Available Now!
Replies: 156
Views: 18072

Re: Larry Swedroe's New Book is Available Now!

Look forward to checking it out from the library
by Nova1967
Thu Oct 13, 2016 9:00 am
Forum: Personal Consumer Issues
Topic: Quality Men's Dress Clothing
Replies: 51
Views: 6854

Re: Quality Men's Dress Clothing

Armani, Zenga and other Italian designers have slim fits. If you don't go to a boutique store Saks and Nieman have some good selections. They also have big sales a couple times a year.

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