Search found 38 matches

by alamander
Thu May 10, 2018 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: DCA or lump sum from settlement fund to LifeStrategy
Replies: 9
Views: 761

Re: DCA or lump sum from settlement fund to LifeStrategy

retiredjg said: Put in a chunk now (at least a quarter, better a third to half your check). Make a schedule to get the rest in within 6 months. DO NOT deviate from your schedule other than to invest more than the scheduled amount if it suits you. I like this idea and I will follow it. It is a kind ...
by alamander
Thu May 10, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: DCA or lump sum from settlement fund to LifeStrategy
Replies: 9
Views: 761

DCA or lump sum from settlement fund to LifeStrategy

Receiving what is (for me) a large check from my company's profit-sharing plan. The settlement fund is Vanguard Federal Money Market Fund; I would like to move it to one (or maybe two) of the LifeStrategy funds. I've read a great previous thread on this topic ( https://www.bogleheads.org/forum/viewt...
by alamander
Wed Apr 25, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: MAGI and Medicare Premium
Replies: 17
Views: 2137

Re: MAGI and Medicare Premium

I have to sign up later this year. I was under the impression you could do this online or through snail mail. So wondering why a trip to the SS office? Hi munemaker: I think you are right but since I had to provide the employer coverage form (being almost 67), I just wanted to be 100% positive that...
by alamander
Wed Apr 25, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Turning 65, and choosing not to take Medicare Part B
Replies: 41
Views: 4794

Re: Turning 65, and choosing not to take Medicare Part B

All: Just wanted to say that I am almost 67, private employer, and just signed up for Medicare (never signed up previously for A or B). No problem, they accepted the form filled out by employer showing continuous group medical coverage for the past 20 years until end of this month. We kept having th...
by alamander
Wed Apr 25, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: MAGI and Medicare Premium
Replies: 17
Views: 2137

Re: MAGI and Medicare Premium

So I just returned from the SS office, where I filed for Medicare. All went smoothly but the lady couldn't take the SSA-44 form (showing life changing event -- in my case DW's retirement) with the application. She said that I should wait until I am billed (not yet taking SS), and file then. So it so...
by alamander
Sun Apr 22, 2018 8:33 am
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 173
Views: 15091

Re: I’m still not a fan of international bond funds

So, I was thinking of rolling over, in the near future, my company profit sharing $ to Vanguard LifeStrategy Conservative Growth Fund (VSCGX). But it is over 18% Vanguard Total International Bond Index Fund Investor Shares right now. This thread is making me rethink this; maybe I can't go for the ul...
by alamander
Sat Apr 21, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: JAMA article's health implications for asset allocation
Replies: 43
Views: 3727

Re: JAMA article's health implications for asset allocation

Just to play 'devil's advocate' a little, I'm not sure if a 'more conservative' AA would truly be beneficial to an investor's mindset and health if it doesn't allow them to reach their financial goals. For instance, if I could reach my goals by just investing in TIAA Traditional, never seeing my ba...
by alamander
Wed Apr 18, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: MAGI and Medicare Premium
Replies: 17
Views: 2137

Re: MAGI and Medicare Premium

I only glanced at Ed's link, and it may have already given you this information. In addition to the appeal form and your TY2017 return, also bring an estimate of your income and MAGI for TY2018. Also bring any documentation that substantiates your transition to part-time work such as an internal an...
by alamander
Tue Apr 17, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: MAGI and Medicare Premium
Replies: 17
Views: 2137

Re: MAGI and Medicare Premium

Thanks Ed. We will see whether this can be accomplished when I sign up or only later! I'll post when I find out.
- Alamander
by alamander
Tue Apr 17, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: MAGI and Medicare Premium
Replies: 17
Views: 2137

MAGI and Medicare Premium

Hi All: I'm going to the SS office next week to sign up for Medicare (going part time so losing company-financed health care). I've reviewed how they price premiums (plus I did glance back at previous threads in this forum), and I have a question. I understand that the government determines your pre...
by alamander
Sun Apr 08, 2018 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Single Vanguard LifeStrategy fund for retirement vs 2- or 3-fund approach
Replies: 18
Views: 1553

Re: Single Vanguard LifeStrategy fund for retirement vs 2- or 3-fund approach

I would say not need but can. There are always smart people looking for ways to manage investments that provide a benefit from one tactic or another and there is credible evidence that there are benefits to be had to some degree and under some circumstances. Whether this should be advised as a must...
by alamander
Sun Apr 08, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Single Vanguard LifeStrategy fund for retirement vs 2- or 3-fund approach
Replies: 18
Views: 1553

Re: Single Vanguard LifeStrategy fund for retirement vs 2- or 3-fund approach

Thanks all. First, yes the money will be held in an IRA (so not post-tax). Second, while the majority of respondents see a single balanced fund as fine due to auto rebalancing, John Z agrees on the need for separate funds to be able to control withdrawals. So maybe the TIAA fellow was passing on so...
by alamander
Sun Apr 08, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Single Vanguard LifeStrategy fund for retirement vs 2- or 3-fund approach
Replies: 18
Views: 1553

Re: Single Vanguard LifeStrategy fund for retirement vs 2- or 3-fund approach

Thanks all. First, yes the money will be held in an IRA (so not post-tax). Second, while the majority of respondents see a single balanced fund as fine due to auto rebalancing, John Z agrees on the need for separate funds to be able to control withdrawals. So maybe the TIAA fellow was passing on som...
by alamander
Sun Apr 08, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Single Vanguard LifeStrategy fund for retirement vs 2- or 3-fund approach
Replies: 18
Views: 1553

Single Vanguard LifeStrategy fund for retirement vs 2- or 3-fund approach

About to rollover a profit sharing plan from microcorp to Vanguard. I was thinking of the LifeStrategy Conservative Growth Fund (VSCGX). But I happened to mention that to our TIAA advisor (we have TIAA from previous job); he said well, a single fund wouldn't be good because if the market is down you...
by alamander
Wed Mar 28, 2018 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Home Security
Replies: 26
Views: 2599

Re: Home Security

These are all good ideas. We have a big dog which gives me a sense of great security. OTOH, I think I worry too much about protecting stuff: A Zen Master lived the simplest kind of life in a little hut at the foot of a mountain. One evening, while he was away, a thief sneaked into the hut only to fi...
by alamander
Wed Mar 28, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: When to Take Social Security (again...)
Replies: 62
Views: 5524

Re: When to Take Social Security (again...)

One thing I've thought about that I've not seen addressed, is: Social Security might help guard against sequence of returns risk. So if you take it at 67 (as I'm contemplating), there are three years at the beginning of my retirement where I would not need to take as much from a portfolio wounded b...
by alamander
Wed Mar 28, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: When to Take Social Security (again...)
Replies: 62
Views: 5524

Re: When to Take Social Security (again...)

One thing I've thought about that I've not seen addressed, is: Social Security might help guard against sequence of returns risk. So if you take it at 67 (as I'm contemplating), there are three years at the beginning of my retirement where I would not need to take as much from a portfolio wounded by...
by alamander
Sat Mar 24, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly payout from a Vanguard fund (not managed payout fund)?
Replies: 3
Views: 479

Re: Monthly payout from a Vanguard fund (not managed payout fund)?

Thanks to both previous responders. Very helpful both re tax with holding and that in fact you can do this with Vanguard.
- Alamander
by alamander
Sat Mar 24, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly payout from a Vanguard fund (not managed payout fund)?
Replies: 3
Views: 479

Monthly payout from a Vanguard fund (not managed payout fund)?

Hi all: I think I captured most of my question in the title. I am about to rollover my share of our company profit sharing plan to a Vanguard IRA (with one or two funds -- for example, maybe the just Vanguard LifeStrategy Conservative Growth Fund). Is it possible to request a monthly distribution of...
by alamander
Sat Mar 17, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: My Social Security -- Benefit Estimate Incremented by Month?
Replies: 8
Views: 1358

Re: My Social Security -- Benefit Estimate Incremented by Month?

Hi alamander, I had the something of the same question when I received my recent SS statement. My FRA is 66, I'm currently almost 67, and I am delaying. My statement also shows an estimate at age 66 . Current statement shows a benefit greater than last year's age 66 PIA. That benefit is a little mo...
by alamander
Fri Mar 16, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: My Social Security -- Benefit Estimate Incremented by Month?
Replies: 8
Views: 1358

Re: My Social Security -- Benefit Estimate Incremented by Month?

Thank you. I can't get anypia to work (it's not allowing me to enter in earnings data it seems -- but I'm probably making some error). But I guess the My Social Security website just does annual projection updates for age, not monthly.
by alamander
Thu Mar 15, 2018 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: My Social Security -- Benefit Estimate Incremented by Month?
Replies: 8
Views: 1358

My Social Security -- Benefit Estimate Incremented by Month?

Hi All: So I am 66.5, more or less. The government site My Social Security offers me an estimate of my SS income if I claim now. However, "now" is: At your current age: 66. So my question is, does it update benefit estimates only annually, or is it actually providing me with an estimate of benefits ...
by alamander
Wed Nov 22, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: IRA at TIAA - optimize expense charges?
Replies: 6
Views: 574

Re: IRA at TIAA - optimize expense charges?

I don’t know why you seem uncertain about moving your IRA. Vanguard’s index fund’s ERs are 0.05% to 0.10%. Your TIAA fund’s ERs of mostly >0.70%. You may live 20 or 30 more years, and who knows when you will actually want to take distributions from the IRA. After 20 years the difference in fees wou...
by alamander
Tue Nov 21, 2017 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: IRA at TIAA - optimize expense charges?
Replies: 6
Views: 574

IRA at TIAA - optimize expense charges?

Hi all: I rarely post but have read a lot and I admire many posters (ones that come to mind are TimeLord, Nspirius (sp?), Klangfool, Taylor...) Anyway, I am getting close to retirement (I am 66.5, I'd like to retire at 67), and as an erstwhile academic, have accounts at TIAA. One of them is an IRA. ...
by alamander
Tue Oct 31, 2017 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 18130

Re: What was the main reason you retired?

amazing how many people dont like their job, i like mine. was in a situation i didnt like - changed it good poll to see why people retire though Do people that are employees have a greater tendency to not like their "job" than self-employed folks? Maybe another thread. Yes. Interesting poll to shar...
by alamander
Tue Aug 22, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 13610

Re: Anyone planning on never retiring?

Very interesting thread... at 66 I am still working and enjoying it. I think it's important to realize that, for some, continuing to work past the so-called retirement age is a very rational decision. I work from home (part of a small company), travel some to interesting places, and meet intriguing ...
by alamander
Thu May 11, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Planning impact your job performance?
Replies: 68
Views: 8493

Re: Does Retirement Planning impact your job performance?

This thread has been helpful, given my own circumstances -- namely, almost 66, in a financial position to retire theoretically speaking, and in a good job (though obviously it's still *work*, if you know what I mean). But with a wife almost 6 years younger and already justifiably retired, while I co...
by alamander
Sat Mar 04, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: Climate and happiness revisited
Replies: 111
Views: 9425

Re: Climate and happiness revisited

Winter gets less tolerable as you get older. Vacationing in the southern USA in January makes the rest of the winter more bearable. Right, I agree; although when I was younger I didn't understand why people moved south because they were "fed up" with cold/snow. Now, however, it is clear that there ...
by alamander
Thu Jan 26, 2017 5:50 pm
Forum: Investing - Theory, News & General
Topic: Whole life & Annuities
Replies: 11
Views: 1377

Re: Whole life & Annuities

I will say, that if you hold an older policy and have built cash value in the policy, it might be worth keeping. The upfront commissions have already been paid and the policy benefits from being issued in the day of more advantageous interest rates. This is the case with us. Making a good return no...
by alamander
Thu Jan 26, 2017 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone moved to another state for lower cost of living?
Replies: 72
Views: 12257

Re: Anyone moved to another state for lower cost of living?

Well this is a very interesting thread. We live in HCOL (and how) NY. BUT retirement is around the corner (say 1-3 years), and we are planning on moving to Houston (Clear Lake area) because 2 of the children plus one grandkid (so far) have moved there. We'd like to be in walking distance. I get the ...
by alamander
Tue Jul 19, 2016 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Traits of Happiest Retirees
Replies: 82
Views: 14415

Re: Traits of Happiest Retirees

Interesting thread. I like what aphorist Nicolás Gómez-Dávila said: "To live with lucidity a simple, quiet, discreet life, among intelligent books, loving a few beings." Somehow it makes me peaceful just to read this...
by alamander
Mon May 09, 2016 6:50 pm
Forum: Personal Consumer Issues
Topic: Anyone have one of those standing desks?
Replies: 45
Views: 6266

Re: Anyone have one of those standing desks?

I'm another who bought an Uplift desk, 2 motorized legs with wheels that can lock. I bought a table top (because I wanted one big enough, 60" X 30"), had it stained and finished. Then I put it on the legs. Now I have 3 monitors, my natural keyboard, and 2 phones. Today I stood all day. Often it's ha...
by alamander
Wed Dec 23, 2015 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Worn Out Blue Collar Shift Worker
Replies: 18
Views: 4542

Re: Worn Out Blue Collar Shift Worker

Can't take the 12-hour rotating shifts any longer. Old, worn out, beat up, out of shape, and tired. Just responding to say I get it. Though not a shift worker myself, I have read enough about shift work and health to know that rotating shift work is just about the worst invention ever. While some p...
by alamander
Tue Sep 15, 2015 3:43 pm
Forum: Investing - Theory, News & General
Topic: People who are tapping their retirement savings for living expenses need bonds
Replies: 32
Views: 3206

Re: News Flash: Retirees Need Bonds

I would modify the title of the thread to say "People who are tapping their retirement savings for living expenses need bonds", which is most of us. If you receive enough regular income from social security or a pension or an annuity or all of them to cover your living expenses, then bonds are not ...
by alamander
Tue Sep 15, 2015 1:02 pm
Forum: Investing - Theory, News & General
Topic: People who are tapping their retirement savings for living expenses need bonds
Replies: 32
Views: 3206

Re: News Flash: Retirees Need Bonds

I would modify the title of the thread to say "People who are tapping their retirement savings for living expenses need bonds", which is most of us. If you receive enough regular income from social security or a pension or an annuity or all of them to cover your living expenses, then bonds are not ...
by alamander
Thu Jan 31, 2013 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Get out of Vanguard Bond Fund (VBILX)?
Replies: 14
Views: 3147

Re: Get out of Vanguard Bond Fund (VBILX)?

Well thanks to all for responding. I am new to this forum but I think I will start reading more of this and less of the daily news (which I guess makes me more anxious than need be). It sounds like you can't time bond funds any more than stocks. I'm going to hang in there; thanks again.
by alamander
Wed Jan 30, 2013 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Get out of Vanguard Bond Fund (VBILX)?
Replies: 14
Views: 3147

Re: Get out of Vanguard Bond Fund (VBILX)?

Please describe what you mean by "tanking", a drop of 20%? 10%? It is normal for this fund to drop by 5% or so. Did you own this fund in late 2010 when it dropped by 6% in value in the course of just 1 month? What did you do then? Thank you for responding. I admit "tanking" is way too strong a word...
by alamander
Wed Jan 30, 2013 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Get out of Vanguard Bond Fund (VBILX)?
Replies: 14
Views: 3147

Get out of Vanguard Bond Fund (VBILX)?

Hi All: this is my first post; I've read and enjoyed the forum entries over the past year or so. Here is my question: I have (what to me is) a good deal of money in the Vanguard intermediate bond fund VBILX. The NAV has been tanking lately, and I wonder if I should get out now (with about what I put...