Search found 138 matches

by Timoneer
Sun Jul 17, 2016 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Step Up Social Security Question
Replies: 37
Views: 2268

Re: Spousal Step Up Social Security Question

If he takes half of my mother's social security, does his social security benefit still grow 8% yearly until 70? Or is it reduced because he's taking half of my mother's? Yes, it is truly a free lunch. He gets a spousal benefit of $650/month (half of your mother's PIA), and at the same time is defe...
by Timoneer
Sat Jul 16, 2016 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Step Up Social Security Question
Replies: 37
Views: 2268

Re: Spousal Step Up Social Security Question

Thanks for the replies! Unfortunately, I don't think waiting until 70 is an option for my father so I am trying to work with them budgeting-wise to make sure they are set. I don't think that anyone has mentioned an additional option. At age 66, your father can file a restricted application for spou...
by Timoneer
Tue Jul 12, 2016 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Do you have any retiree healthcare benefit from your employer?
Replies: 76
Views: 3655

Re: Do you have any retiree healthcare benefit from your employer?

After 65, a subsidy of about $1000/yr towards Medigap insurance. Same for my spouse.
by Timoneer
Sat Jul 02, 2016 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate vs. Vanguard REITS
Replies: 26
Views: 2047

Re: TIAA Real Estate vs. Vanguard REITS

Years ago before retirement I had a 403B in TIAA real estate. This did very well until real estate began to fall. By that time TIAA had already added REITs to their fund, which also enabled greater volatility. When I began to prepare for retirement, I rolled over this account to Vanguard where good...
by Timoneer
Mon Jun 20, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: IWC Watch, any thoughts? [Wristwatch brand]
Replies: 95
Views: 5099

Re: IWC Watch, any thoughts?

...The point is to have an exquisitely crafted mechanical device with those capabilities. They care about the design and workmanship, not the functions themselves. As an engineer, design and workmanship have a strong appeal for me. I could see myself paying big bucks for a beautiful vintage or anti...
by Timoneer
Mon Jun 20, 2016 8:17 am
Forum: Personal Consumer Issues
Topic: IWC Watch, any thoughts? [Wristwatch brand]
Replies: 95
Views: 5099

Re: IWC Watch, any thoughts?

I see a market for a $25,000 Casio that costs $25 to make and $24,975 of the sale price goes to charity. It would be limited edition and the watch face would clearly show that you were a charitable player. Or imagine turning the clock back 50 years and revamping the entire marketing strategy. Seiko...
by Timoneer
Sun Jun 19, 2016 9:55 am
Forum: Personal Consumer Issues
Topic: IWC Watch, any thoughts? [Wristwatch brand]
Replies: 95
Views: 5099

Re: IWC Watch, any thoughts?

I looked for a watch that I liked. Could care less if anyone else likes it. And yet in your first post you wrote: My favorite watch is my Casio WaveCeptor that syncs with some nuclear clock signal and cost $69. I currently wear an Apple Watch so my coworkers stopped making fun of me. You asked this...
by Timoneer
Sat Jun 18, 2016 8:14 pm
Forum: Personal Consumer Issues
Topic: IWC Watch, any thoughts? [Wristwatch brand]
Replies: 95
Views: 5099

Re: IWC Watch, any thoughts?

I have been searching for the right premium watch for about 6 years. I don't need one, can't justify the cost and realize it is a luxury. My favorite watch is my Casio WaveCeptor that syncs with some nuclear clock signal and cost $69.... 1. Any input on IWC as a watch? As a watch, the IWC keeps far...
by Timoneer
Thu Jun 16, 2016 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF Rollover to Vanguard
Replies: 4
Views: 412

Re: TIAA-CREF Rollover to Vanguard

Consider doing the transfer in two steps to avoid multiple parties trying to coordinate First, convert the funds that you want to transfer to an IRA within TIAA. This will require that TIAA coordinate with your mom's former employers and the terms of the plans. If your dad is still alive, he will ne...
by Timoneer
Fri May 27, 2016 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF Bond funds - help deciphering!
Replies: 31
Views: 1323

Re: TIAA-CREF Bond funds - help deciphering!

Their RMD is 24K a year, but they take $2500/month (30K a year) for living expenses. Up until this point, they have been taking their annual exit money from Traditional and putting it in CREF stock, then pulling their monthly income from there. They do this without paying any attention to their ass...
by Timoneer
Thu May 26, 2016 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF Bond funds - help deciphering!
Replies: 31
Views: 1323

Re: TIAA-CREF Bond funds - help deciphering!

One thing you haven't mentioned is RMD's. Your father is 75, so more than 4% is coming out of TIAA each year. Where is it going? If not being spent, you can reinvest it in a suitable bond fund at Vanguard or Fidelity.
by Timoneer
Tue May 24, 2016 2:26 pm
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 117
Views: 4772

Re: What was your first investment?

Westinghouse, back in the 1960's. I was a teenager interested in electronics and I read about Westinghouse developing a new lithography process for making these newfangled integrated circuits. With my savings of maybe $100 or $200, I asked my father to place an order for some stock with his broker. ...
by Timoneer
Tue May 24, 2016 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5702

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

Does the SS statement give a figure for retiring at 66? Just multiply this number by 1.32 for a quick estimate for delaying until 70.
by Timoneer
Mon May 23, 2016 7:57 pm
Forum: Personal Consumer Issues
Topic: Boston Conference Hotel Suggestions
Replies: 12
Views: 625

Re: Boston Conference Hotel Suggestions

I'll be traveling to Boston for a conference in the height of the summer (August) The conference is in South Boston on a weekend - Saturday and Sunday. The hotels are very expensive. Can anyone suggest a hotel near enough to South Boston so that traveling won't be too distant in the morning - I wil...
by Timoneer
Sun May 22, 2016 6:35 pm
Forum: Personal Consumer Issues
Topic: Local TV channels - via streaming?
Replies: 29
Views: 1867

Re: Local TV channels - via streaming?

livesoft wrote:Has anybody turned their mattress springs into a TV antenna? It should be easy to do.


Once I used a bent coat hanger hidden behind a decorative cloth pot holder, for a small set in the kitchen.
by Timoneer
Mon May 02, 2016 8:42 am
Forum: Personal Consumer Issues
Topic: 4 Days in Iceland - May 2016
Replies: 41
Views: 3770

Re: 4 Days in Iceland - May 2016

D day is approaching. Just to confirm, should I even bother taking out cash at an ATM? I'd rather not. Also, do you tip in Iceland? No and no. During the course of a week, there was only a single occasion that we needed cash, for a small donation at a church. The only other time that we potentially...
by Timoneer
Tue Mar 29, 2016 9:44 am
Forum: Investing - Help with Personal Investments
Topic: What to do with old TIAA 403b?
Replies: 15
Views: 1010

Re: What to do with old TIAA 403b?

Her contributions are in a bucket with a contract GRA (TIAA xxxxx) (CREF xxxxxx) The hospital matching contributions are in a bucket labelled GSRA (TIAA Lxxxxx) (CREF Mxxxxxx) So I guess that means if we pick traditional it will go into TIAA Traditional Annuity - Group Retirement Annuity TIAA Tradi...
by Timoneer
Mon Mar 28, 2016 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with old TIAA 403b?
Replies: 15
Views: 1010

Re: What to do with old TIAA 403b?

Which version of TIAA Traditional is it - what's the current interest rate? Thats the part I am struggling to figure out. If we go in her account and look at rebalance options there is just a single selection for traditional with no details. If I click though that option to the list of all investme...
by Timoneer
Sat Mar 05, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Blow drying hair in the summer
Replies: 27
Views: 2035

Re: Blow drying hair in the summer

It's a bungalow, with knee walls, built in 1956. I've done lots of research and lots of air sealing, insulating, duct mastic sealing, etc. We do have a window unit in our bedroom, which is where she dries her hair. A quick back of the envelope calculation - A 1500 watt hair dryer run for 6 minutes ...
by Timoneer
Fri Mar 04, 2016 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Is TIAA the opposite of Bogle? Massive confusion- help please
Replies: 32
Views: 2397

Re: Is TIAA the opposite of Bogle? Massive confusion- help please

At the age of 52 I'm just getting my arms around all of this, and I've been steering my own 401k toward the Bogle idea of low-cost index funds. As a newcomer to all this investment stuff, I find it intuitive and simple to understand. I feel I have a good idea of Soc Security and 401k rules. I'm fai...
by Timoneer
Thu Mar 03, 2016 4:58 pm
Forum: Personal Consumer Issues
Topic: Cast Iron Frying Pans
Replies: 71
Views: 7388

Re: Cast Iron Frying Pans

There are two broad categories of cast iron skillets, the traditional plain cast iron and the fancy and expensive enameled type that Le Creuset makes. Each has its advantages. My suggestion is to start with the basic inexpensive, made in American type from Lodge. America's Test Kitchen/Cook's Countr...
by Timoneer
Sat Feb 20, 2016 11:34 am
Forum: Local Chapters and Bogleheads Community
Topic: Metro-Boston; Lincoln Library; a nice story
Replies: 5
Views: 823

Re: Metro-Boston; Lincoln Library; a nice story

With a population of about 6,300 and about 15 miles northwest of Boston, I don't think I would call Lincoln, MA "a major metropolitan city". bill The Lincoln library does offer the Bogleheads' Guide to Investing as an ebook. Lincoln is a member of the Minuteman Library Network and can req...
by Timoneer
Tue Feb 02, 2016 9:21 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Metro Boston's Chapter
Replies: 207
Views: 31530

Re: Master Thread for Metro Boston's Chapter

siamond wrote:Meeting confirmed at the Lincoln Public Library (3 Bedford Rd), on February the 13th, from 1pm to 4pm.


Count me in as probable.

Timoneer
by Timoneer
Fri Jan 08, 2016 6:02 pm
Forum: Personal Consumer Issues
Topic: 4 Days in Iceland - May 2016
Replies: 41
Views: 3770

Re: 4 Days in Iceland - May 2016

I just booked a flight to Iceland for my wife and I. We arrive at 11pm on May 19th (Thursday) and are leaving at 5pm on May 23rd (Monday). So four night and basically four days. Also, the flight is booked so don't bother telling me it is a bad time of year or its not long enough, etc. I booked a ho...
by Timoneer
Thu Jan 07, 2016 10:59 am
Forum: Personal Consumer Issues
Topic: DIY Picture Framing
Replies: 6
Views: 464

Re: DIY Picture Framing

I have a couple of large pictures that I would like to have them framed with mats. The prices for custom framing are so expensive. I think I can handle buying the materials and putting a frame together. I have a miter saw and have cut acrylic "glass" before. What are the good sites to get...
by Timoneer
Tue Dec 29, 2015 1:53 pm
Forum: Personal Consumer Issues
Topic: Several electrical outlets don't work
Replies: 50
Views: 2387

Re: Several electrical outlets don't work

I am very puzzled about what is going on with my outlets. I have a general understanding of GFCI and I have reset/checked every GFI outlet in and outside of my home but I can't figure out why 4 of my bathrooms do not have power to the outlets. I also believe the bathroom that does work has its outl...
by Timoneer
Tue Nov 17, 2015 1:17 pm
Forum: Personal Consumer Issues
Topic: Credit card hacked, what we learned
Replies: 49
Views: 7405

Re: Credit card hacked, what we learned

FYI, when you use a credit card for Paypal transactions, the vendor does not see your credit card information, so it couldn't have been the Paypal transaction that was the source of the breach. I am curious how the OP could have thought it was PayPal, as the hacker would need a password to access t...
by Timoneer
Thu Nov 12, 2015 4:54 pm
Forum: Personal Consumer Issues
Topic: Could someone check my propane math
Replies: 16
Views: 1318

Re: Could someone check my propane math

I was trying to find some estimates on typical propane usage for ranges this morning but had some difficulty coming up with a guess, which is why I went with doing an estimate based on BTUs and such. I'm new to gas ranges and just started using one a few weeks ago. There is no gauge so I have no id...
by Timoneer
Sun Nov 08, 2015 12:53 pm
Forum: Investing - Theory, News & General
Topic: TIAA-CREF Wealth Management Advisors
Replies: 12
Views: 1620

Re: TIAA-CREF Wealth Management Advisors

I've had the same WMA for the last decade or so. He covered the 1500 or so workers at my former employer, the majority of which are younger and not ready for a WMA yet. He would come in a few times per month and we could schedule half hour appointments to discuss issues related to retirement fundin...
by Timoneer
Fri Nov 06, 2015 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: How to take advantage of 15% tax bracket?
Replies: 37
Views: 4666

Re: How to take advantage of 15% tax bracket?

Hi Bogleheads, Last night I was hanging out here on Bogleheads, and I read in a thread that the long-term capital gains tax rate for folks in the 15% federal tax bracket is 0%. I did not know that. Amazing the things you learn hanging out on the Bogleheads forum! As it happens, I'm in the 15% brack...
by Timoneer
Thu Nov 05, 2015 4:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Metro Boston's Chapter
Replies: 207
Views: 31530

Re: Master Thread for Metro Boston's Chapter (MA)

Could you tell me how to join the Metro Boston's chapter? I just signed on to become a Boglehead. Any tips would be greatly appreciated Thanks Just showing up is 80% of life. -Woody Allen In the case of being a Metro Boston Boglehead, it is everything. Just show up (but let siamond know that you ar...
by Timoneer
Sat Oct 31, 2015 9:04 am
Forum: Personal Consumer Issues
Topic: Hawaii vacation questions
Replies: 41
Views: 3590

Re: Hawaii vacation questions

Oahu has far more non-nature activities than Maui.
For kids, I particularly recommend the Polynesian Cultural Center for a full day of activity.
http://www.polynesia.com/
by Timoneer
Mon Sep 28, 2015 1:28 pm
Forum: Personal Consumer Issues
Topic: Fixing kitchen lighting with "smart" switches
Replies: 12
Views: 977

Re: Fixing kitchen lighting with "smart" switches

The lights in my kitchen are wired in a way that baffles me. There are 7 recessed lights controlled by 4 separate switches: - Switch 1 controls 3 lights - Switch 2 controls 2 lights - Switch 3 controls 1 light - Switch 4 controls 1 light The switches are not co-located (one is basically in each cor...
by Timoneer
Wed Sep 16, 2015 8:55 am
Forum: Personal Consumer Issues
Topic: May Need New Gas Water Heater
Replies: 12
Views: 1684

Re: May Need New Gas Water Heater

I currently have a State Industries natural gas fired 50-gallon water heater with a power vent (not an integral part of the water heater) on top to vent the flue products horizontally to the outside of the garage (about 2/3rds the length of the garage). The unit has a six year warranty and it will ...
by Timoneer
Tue Sep 01, 2015 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Chip credit cards, do I need to get a PIN?
Replies: 54
Views: 6016

Re: Chip credit cards, do I need to get a PIN?

@Timoneer, what I am worried about is that if I had a PIN with a chip&sign card and used the PIN at a self-serve place that it would be treated at a cash-advance and not as a charge. A cash-advance on my credit cards would have a horrendous interest rate while charges could be paid off be inter...
by Timoneer
Tue Sep 01, 2015 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Chip credit cards, do I need to get a PIN?
Replies: 54
Views: 6016

Re: Chip credit cards, do I need to get a PIN?

I have a Chip & SIgn card, with a self-chosen PIN for ATM cash advances. Last summer in Iceland I encountered an unattended gas station that asked for a PIN. I entered the ATM PIN which it accepted. However, I have read some discussions in which it was suggested that any PIN might have worked in...
by Timoneer
Mon Aug 24, 2015 9:55 pm
Forum: Investing - Theory, News & General
Topic: What happened with ishares HDV this morning?
Replies: 8
Views: 1001

What happened with ishares HDV this morning?

I have been doing my best to ignore the market news of the last week, but something caught my eye this morning. I hold some iShares HDV, an ETF of high dividend stocks. On a Morningstar chart, it is the far left upper corner of Large Cap Value. Top holdings are Exxon, AT&T, Verizon, GE, Johnson ...
by Timoneer
Sat Aug 22, 2015 9:28 am
Forum: Personal Consumer Issues
Topic: Beach vacation in New England
Replies: 5
Views: 591

Re: Beach vacation in New England

I really don't know enough about them, to give you a more qualified opinion. We are looking for quiet beaches. Our family is not the kind that needs a boardwalk, rides, etc. Just a clean beach that is walkable from our rental. The more affordable, the better. If you have been going to NC in the pas...
by Timoneer
Fri Aug 21, 2015 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional Fees
Replies: 39
Views: 4633

Re: TIAA Traditional Fees

Again, I am not saying Traditional is a bad deal. But with any investment, the important thing is the rate after fees not before. Which is better, a interest rate of 6% reduced by 2% fee. Or something that earns interest of 5.5% minus 1% fee. Obviously the investment with the lower 5.5% interest ra...
by Timoneer
Sun Aug 16, 2015 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Charitable
Replies: 44
Views: 3408

Re: Fidelity Charitable

I had this mentioned to me by my private client rep, but isn't there an AUM fee for this type of account? That is my biggest issue: [i] First $500,000 Individual Giving Account: 0.60% (60 basis points) or $100 (whichever is greater) ... Perhaps the fee is worth it for the convenience of taxes and p...
by Timoneer
Tue Aug 11, 2015 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Boston area housing. Is it wise to buy now or wait?
Replies: 8
Views: 1150

Re: Boston area housing. Is it wise to buy now or wait?

Boston area housing prices are currently more expensive than they were at the previous peak in 2005/2006 even after adjusting for inflation. I don't think this is correct. http://www.jparsons.net/housingbubble/boston.html In any case, if you are waiting for prices to drop significantly, you may be ...
by Timoneer
Mon Aug 03, 2015 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Benefits - so confusing
Replies: 17
Views: 1975

Re: Spousal Benefits - so confusing

Sorry beforehand, because I posted a question previously about social security, but now here's another twist. my husband has been collecting since he was 62. From my understanding (thanks to sscritic) at 66 I can get 1/2 of his PIA. At 70 when I collect my own, can my husband switch from his own lo...
by Timoneer
Tue Jul 28, 2015 1:02 pm
Forum: Personal Consumer Issues
Topic: garage door opener resuscitation possible?
Replies: 23
Views: 1172

Re: garage door opener resuscitation possible?

Your garage door opener likely has a safety circuit in the form of a light beam and photocell across the door way to detect obstructions. Check that this beam is not blocked or misaligned. Also on the list of possible easy fixes is to grab the overhead motor shaft and turn it slightly. Best to do wi...
by Timoneer
Sat Jul 25, 2015 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Unequal estimated tax payments
Replies: 27
Views: 2620

Re: Unequal estimated tax payments

Thanks for all of the responses. Neither safe harbor nor withholding help me, because i am (almost) retired, income is less this year than last year, and i may not receive any more paychecks this calendar year. So i'll do Form 2210. As you point out, more details are needed. With a lower tax bracke...
by Timoneer
Sat Jun 27, 2015 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Re-Eval TIAA-CREF Funds
Replies: 19
Views: 1815

Re: Re-Eval TIAA-CREF Funds

I hate to give the 1%, knowing that our funds are fairly modest, but I don't want to botch anything up either. That fear has made me procrastinate and have money sitting around that can be invested. On the other hand, pooling our funds would provide more to work with in one spot and be better for c...
by Timoneer
Fri Jun 19, 2015 12:20 pm
Forum: Investing - Theory, News & General
Topic: A Look Inside Jack Bogle's Office
Replies: 27
Views: 5926

Re: A Look Inside Jack Bogle's Office

Anyone knows what this refers to "Bogle has long been inspired by a tribute from Rear Admiral Horatio Nelson to his troops after the 1798 battle. The signature line–”From the deck of the HMS Vanguard “–gave the company its name." Haven't been able to source the tribute online. Admiral Nel...
by Timoneer
Fri Jun 19, 2015 9:09 am
Forum: Investing - Theory, News & General
Topic: A Look Inside Jack Bogle's Office
Replies: 27
Views: 5926

Re: A Look Inside Jack Bogle's Office

Too bad that the resolution isn't high enough to make out all of the book titles. Regarding the artwork on the walls, the print to the far left is of the one, chance meeting between Admiral Nelson and the future Duke of Wellington. Nelson was about to leave England for the last time for his final ba...
by Timoneer
Thu Jun 04, 2015 10:21 am
Forum: Investing - Help with Personal Investments
Topic: AA adjustment or not
Replies: 15
Views: 1194

Re: AA adjustment or not

...I've been retired now nearly 4 years and have just started taking a bit of money out (the dividends in my stock allocation) but I continue to reinvest my bond fund. Personally, I don't believe in being greedy and my stocks have gone up a lot. Other than taking $5k out for my son to help with his...
by Timoneer
Sat Apr 25, 2015 12:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Metro Boston's Chapter
Replies: 207
Views: 31530

Re: Master Thread for Metro Boston's Chapter (MA)

Folks, So we have TWO choices: Plan 1 : park near the restaurant, meet at 10am at the public library (intros, formal presentation & open discussion), walk back to the restaurant around noon, have lunch, continue with informal small group discussions if you so desire. Plan 2 : go straight to the...
by Timoneer
Sat Apr 18, 2015 11:34 am
Forum: Personal Consumer Issues
Topic: mandatory 17% tip at a buffet
Replies: 32
Views: 4091

Re: mandatory 17% tip at a buffet

I have noticed a trend in the Boston area for hotels that serve holiday buffets to add a mandatory tip to the bill. This past Easter, it was 18% at many places for a brunch buffet, whether for groups or just couples.

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