Search found 55 matches

by bikechuck
Fri May 19, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 58
Views: 4529

Re: TIAA financial advisor?

I have some funds with TIAA from before my employer changed providers for our retirement program. Approximately three years ago in preparation for retirement (this July) I met with my TIAA advisor for the first time. It was well worth my time and he had several suggestions that I have implemented or...
by bikechuck
Thu May 18, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 58
Views: 8773

Re: Is the Vanguard Balanced Index Fund all you need?

This has been an interesting thread and has me contemplating how I want to restructure my portfolio after my wife and I retire later this year. I am now thinking of doing the following ... 1) Use the Vanguard Balanced Index Fund as our core holding however, a 60/40 split is too rich for our risk tol...
by bikechuck
Wed May 17, 2017 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Article: "Our emergency fund is exactly $0.00"
Replies: 73
Views: 7264

Re: Article: "Our emergency fund is exactly $0.00"

Guess I am more conservative than most. My wife and I are retiring later this year and I like the idea of having 2-3 years of expenses in high yielding savings accounts and CDs so we would not have to withdraw from investments in the event of a prolonged Bear Market.
by bikechuck
Tue May 09, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Question re 401K to IRA conversion at retirement
Replies: 1
Views: 224

Question re 401K to IRA conversion at retirement

I will be retiring in July and I want to move my 401K balances from my employer’s plan to an IRA. I want to move this money to a three fund portfolio using Vanguard funds. I already have some funds from a previous employer with TIAA and I will keep money in TIAA Traditional as a bond substitute so I...
by bikechuck
Fri May 05, 2017 2:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 100
Views: 11586

Re: Roll Call for the Retirement Class of 2017!

Here is the updated Roll Call for the Retirement Class of 2017. So far there are 10 graduates and the year has barely begun. Already graduated - Congratulations!! 03 Jan - oldcomputerguy xx Jan - quantAndHold 30 Jan - Tom1320 (54) 31 Jan - Lance 08 Feb - mrc 28 Feb - munemaker 01 Mar - Johnora 03 M...
by bikechuck
Fri May 05, 2017 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Leaving company - what to do with 401k
Replies: 7
Views: 660

Re: Leaving company - what to do with 401k

I can see the benefit of ultimately having all our investments with one provider (i.e. Vanguard), on the other hand I don't mind being a bit diversified and not having all my money with Vanguard. The spousal unit and I have decided not to consolidate our portfolio with one provider. There is some s...
by bikechuck
Thu Apr 20, 2017 10:40 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 36634

Re: Larry Swedroe says "Goodby."

I would like to thank Mr. Swedroe for his past participation in this online community and to wish him well as he plans to spend more time with his family in retirement. I have learned so much from reading his posts. I would also like to thank Mr. Larimore for summarizing Larry's reasons for his deci...
by bikechuck
Wed Apr 19, 2017 9:40 am
Forum: Investing - Theory, News & General
Topic: Article-Argument against Buffet and Bogle's International Advice
Replies: 36
Views: 4210

Re: Article-Argument against Buffet and Bogle's International Advice

I have a small allocation to international equities because I value the diversification. I also understand and hate that it exposes me to the risk of currency fluctuations on top of the normal market risk that comes from investing in U.S. based companies. That said, I intend to stay the course and c...
by bikechuck
Thu Apr 13, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Please recommend-A new TV with good sound system
Replies: 15
Views: 1066

Re: Please recommend-A new TV with good sound system

I have really enjoyed my ZVOX sound system. The one that I purchased is a black rectangular box that the TV sits on top of (they make sound bars as well). The sound quality exceeded my expectations, the unit looks nice and kind of disappears visually, it is exceedingly simple to set up and has worke...
by bikechuck
Tue Apr 11, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 72
Views: 32151

Re: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]

I might as well pile on in case it keeps someone from making the same mistake that many of us have reported. I purchased a twin blade self propelled Honda mower from Home Depot last fall when my crappy Toro failed (I hated that Toro mower). The Honda does run well and has never failed to start on th...
by bikechuck
Tue Apr 04, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Advice needed Gifting a car to a daughter who is moving out of state
Replies: 12
Views: 671

Re: Advice needed Gifting a car to a daughter who is moving out of state

My younger daughter finished her PhD at the University of Michigan yesterday. I want to gift her a four year old car that I purchased primarily for her use a while back. She currently has an Ohio drivers license but is moving to California to live with her fiancé with plans to marry later this year...
by bikechuck
Tue Apr 04, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Advice needed Gifting a car to a daughter who is moving out of state
Replies: 12
Views: 671

Advice needed Gifting a car to a daughter who is moving out of state

My younger daughter finished her PhD at the University of Michigan yesterday. I want to gift her a four year old car that I purchased primarily for her use a while back. She currently has an Ohio drivers license but is moving to California to live with her fiancé with plans to marry later this year....
by bikechuck
Mon Apr 03, 2017 9:36 am
Forum: Local Chapters and Bogleheads Community
Topic: Wisconsin - Madison Meetings - Master Thread
Replies: 98
Views: 22617

Re: Wisconsin - Madison Meetings - Master Thread

Hopefully I am not hijacking the thread if I ask Madison area Bogleheads what it is like to retire in the Madison area? My daughter, her husband and my two granddaughters live in Madison and my wife and daughter are dialing up the pressure for us to relocate there from central Ohio. I always said th...
by bikechuck
Mon Mar 27, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Girlfriend
Replies: 86
Views: 7398

Re: Massive Student Loan Debt - Girlfriend

When I got married my wife had student debt and I did not. Her father advised/encouraged her to take out student loans and then default on them which neither of us were comfortable with. Shortly after getting married we had our first child, my wife dropped out of the workforce for several years and ...
by bikechuck
Fri Mar 10, 2017 9:23 am
Forum: Investing - Theory, News & General
Topic: On Buying Used Cars and Using a Financial Advisor
Replies: 51
Views: 3576

Re: On Buying Used Cars and Using a Financial Advisor

I do not use a paid advisor though I do check in once a year or so for a discussion with Lincoln Financial who runs the retirement program where I work and with an advisor from TIAA where I have funds from a previous retirement plan. There is no charge for reviewing my situation with Lincoln or TIAA...
by bikechuck
Tue Feb 28, 2017 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: What's Happened to Vanguard Reps?
Replies: 17
Views: 2103

Re: What's Happened to Vanguard Reps?

I have a very small amount of money with Vanguard in a Roth. When they first set it up, they set it up incorrectly as a traditional IRA. Fortunately I spotted it right away, called them and they corrected it within a week or so (quicker than the time that they said it might take to do so). This was ...
by bikechuck
Tue Feb 28, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Tax forms for after tax 401K roll over to Roth
Replies: 2
Views: 253

Tax forms for after tax 401K roll over to Roth

I have been participating in my employer’s after tax 401K plan for many years and my plan allowed me to initiate a trustee to trustee transfer of 1 )My after tax contributions to a Roth IRA and 2) The taxable earnings on these contributions to a regular IRA. I never received a check and the funds fl...
by bikechuck
Thu Feb 16, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Anxiety about buying used car
Replies: 50
Views: 3753

Re: Anxiety about buying used car

I know that you are looking for a used car but I have had mixed results with them and I decided to take a different approach. I always purchased new Honda Civics and drove them close to 200,000 miles. I figured that I could buy two or three new Civics for what many people pay for one new car. They h...
by bikechuck
Fri Feb 03, 2017 11:25 am
Forum: Investing - Help with Personal Investments
Topic: All investments with Vanguard - Should I diversify
Replies: 19
Views: 1931

Re: All investments with Vanguard - Should I diversify

I do believe that there is minimal to no investment risk in focusing all of my investments with VG, Fidelity or Schwab or others but I do think that there is a slightly higher administrative risk. It is possible that there will be a time when I need access to funds during a period where there is a c...
by bikechuck
Wed Dec 14, 2016 10:42 am
Forum: Investing - Theory, News & General
Topic: Edward Jones Annuity Review - Tips before I begin
Replies: 16
Views: 2253

Re: Edward Jones Annuity Review - Tips before I begin

Not all annuities are evil. I have one that I opened ~ 30 years ago that pays a guaranteed minimum 4.5% annual return with a highly rated insurance company. When I retire in 2017 I can take distributions of interest only, draw down some of the principal or let it ride and accrue interest if I choose...
by bikechuck
Thu Dec 08, 2016 2:01 pm
Forum: Investing - Theory, News & General
Topic: McDonald's Stock
Replies: 103
Views: 9852

Re: McDonald's Stock

Interesting thread, I worked for McDonalds for ~ 7 years in the late 70s/early 80s and I still have stock in their retirement and employee stock purchase plans. I no longer want to own individual stocks and I no longer want to own MCD because I do not feel they have good long term prospects. However...
by bikechuck
Fri Dec 02, 2016 3:03 pm
Forum: Personal Consumer Issues
Topic: Gift To Self
Replies: 70
Views: 8614

Re: Gift To Self

After a lifetime of frugality I plan to retire in July of 2017 and I have almost convinced myself to purchase an airstream basecamp travel trailer https://www.airstream.com/travel-trailers/basecamp/. Over the years most of our family vacations have been tent camping and my spousal unit and I want to...
by bikechuck
Fri Sep 16, 2016 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: SHould I consider a restricted application for spousal benefits
Replies: 3
Views: 497

SHould I consider a restricted application for spousal benefits

I plan to retire in the summer of 2017 at age 64 and my spouse who is a year younger will retire soon thereafter. I reached the age of 62 prior to the end of 2015 and my spouse did not. I have a higher SS benefit than my spouse but not by a lot. Based on my understanding of the complex SS regulation...
by bikechuck
Wed Jul 13, 2016 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Where would you invest/rebalance "if"...
Replies: 24
Views: 1613

Re: Where would you invest/rebalance "if"...

Interesting question, as I approach my retirement I am increasingly concerned about the BOND portion of my portfolio. Interest rates cannot go down much further without going negative and if/when they go up I don't want any portion of my portfolio in Long term Bonds. What I have done is to keep a ro...
by bikechuck
Thu Jun 02, 2016 7:50 am
Forum: Investing - Theory, News & General
Topic: Thank you Taylor Larimore
Replies: 51
Views: 8986

Re: Thank you Taylor Larimore

I have learned the most from his three fund portfolio thread. Although I cannot quite get there with the fund choices in my employer's retirement plan, I am moving in that direction and will adopt it more fully when I retire and I can move most of my funds to Vanguard. I especially appreciate Mr. La...
by bikechuck
Wed May 18, 2016 9:57 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1791
Views: 999078

Re: The Three-Fund Portfolio

When I retire later this year or early next year I plan to move my 401Ks to Vanguard and adopt the three fund approach however I have access to two investments that I think might make sense to keep as part of my bond portfolio. 1) TIAA Traditional currently paying 4% guaranteed 2) A similar fixed an...
by bikechuck
Mon Feb 08, 2016 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Moms $
Replies: 10
Views: 1534

Re: Moms $

I would caution about CDs that not everyone wants to manage CDs. They're like churning credit cards for miles in that you have to constantly keep on top of them. It's a project. I know because I used to do the CD thing, and to make any money above the cash rate in a high yield bank account, you nee...
by bikechuck
Mon Feb 08, 2016 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Moms $
Replies: 10
Views: 1534

Re: Moms $

With all the predictions for lots of market volatility and 4% returns I struggle to find a way to safely invest it for her where she would be getting any kind of decent return to make the risk worth it Thank you Do you think that someone here will know of some secret investment that can guarantee a...
by bikechuck
Sun Feb 07, 2016 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Where to put slush fund $$ & earn some more $$ ?
Replies: 9
Views: 1376

Re: Where to put slush fund $$ & earn some more $$ ?

Yes, we feel that we need up to five years of cash for basic living expenses, for when hard times hit once more, & this is only about 3% of our total assets. Any more suggestions ?? How about half in the Ally savings a/c @ 1% with the rest in a five year CD ladder. That way you have access to 1...
by bikechuck
Mon Feb 01, 2016 1:21 pm
Forum: Investing - Theory, News & General
Topic: Bogle vs. Vanguard on International Funds
Replies: 27
Views: 4563

Re: Bogle vs. Vanguard on International Funds

And one thing to consider is that, counterintuitively, increasing diversification by adding international stocks might actually increase risk. There is a certain academic purity, though, to having international stocks in your portfolio, at least if you subscribe to the idea that capital moves fairl...
by bikechuck
Sun Jan 31, 2016 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Downward trend over?
Replies: 46
Views: 5094

Re: Downward trend over?

I'm taking a fast survey,I would like to see if anyone else is feeling as optimistic as myself,after doing my rebalance and our 2016 Roth contributions last week I feel like we're on our way to a great year ahead. anyone agree? Not me. The US stock market is still overvalued considering earnings, g...
by bikechuck
Sun Jan 31, 2016 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Employer's TIAA-CREF plan - live with it or question it?
Replies: 15
Views: 1250

Re: Employer's TIAA-CREF plan - live with it or question it?

(FWIW, I don't invest in REITs, but jump at a chance to invest in TREA.)[/quote]

Why do you prefer TREA to REITS? I am not questioning your judgement I am just trying to learn from you a I have the opportunity to invest in either.

Thanks in advance for sharing your thoughts.
by bikechuck
Wed Jan 27, 2016 7:07 am
Forum: Personal Consumer Issues
Topic: Stick Vacuum recommendations
Replies: 11
Views: 1066

Re: Stick Vacuum recommendations

I have had a Hoover Linx for a couple of years now. Works great on my hardwood floors and carpeted stairs. I love that it is cordless, light and very effective. It sucks but in a good way.
by bikechuck
Sun Jan 24, 2016 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Best TV display type?
Replies: 10
Views: 1109

Re: Best TV display type?

OLED has the potential to offer huge improvement in picture quality over plasma and lcd (i.e. infinite contrast). The problem is that OLED tech is new and you'll pay an early adopter premium. Wait till they are a bit more mainstream and prices will come down. Also other improvements like HDR and WC...
by bikechuck
Sat Jan 23, 2016 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Most anticipated retirement purchase
Replies: 107
Views: 9272

Re: Most anticipated retirement purchase

Time for what? Volunteer work and a small farm. And trust me, the farm is for pleasure not making $$. I have a friend who is retiring this year from a delivery company in his 60s and now wants to work on a farm. Actually wants to buy one but his wife insist he tries it out first. Green Acres is the...
by bikechuck
Fri Jan 22, 2016 12:39 am
Forum: Investing - Help with Personal Investments
Topic: Going from 50/50 US/Int to All US
Replies: 80
Views: 6991

Re: Going from 50/50 US/Int to All US

Don't sell anything, just stop adding to international and keep adding to domestic with new money. Slowly your AA will be getting closer to Bogle's ideal, but you won't be selling low. Over the long term, I think that would be the most profitable strategy. Well that works if you are in the accumula...
by bikechuck
Mon Jan 18, 2016 5:20 pm
Forum: Investing - Theory, News & General
Topic: "Do You Need to Diversify by Fund Company?"
Replies: 51
Views: 4783

Re: "Do You Need to Diversify by Fund Company?"

The thing I worry the most about is IT issues. What if someone does a Sony-style hack on Vanguard? We really have no idea how well prepared any one company is for an event like this. AMEN, there are administrative as well as investment risks and I do not like single points of failure. Ultimately I ...
by bikechuck
Mon Jan 18, 2016 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: 401k - an investment product is too good to be true
Replies: 22
Views: 1985

Re: 401k - an investment product is too good to be true

I would look for an opportunity to diversify. I have a similar IRA investment in a fixed annuity with Zurich Life Ins that pays a guaranteed minimum 4.5% that I opened approx. 30 years ago. I can move money in and out of it from other IRAs or 401Ks and I have not annuitized it. I am using it as a bo...
by bikechuck
Sun Jan 17, 2016 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Any here invested in individual stocks?
Replies: 36
Views: 3259

Re: Any here invested in individual stocks?

Most of my investments are in index funds, TIAA traditional and a fixed annuity which I purchased in an IRA ~ 30 years ago (not annuitized) that pays a guaranteed minimum 4.5%. However, for a time I worked for McDonald's Corp and I have some Mcd stock that I accumulated as part of their retirement p...
by bikechuck
Fri Jan 15, 2016 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: TLH into VTIAX and back out within a few days
Replies: 4
Views: 670

Re: TLH into VTIAX and back out within a few days

You are speaking in tounges. What is TLH?
by bikechuck
Fri Jan 15, 2016 11:00 am
Forum: Investing - Theory, News & General
Topic: I'm sitting here watching FOX Business...14200??
Replies: 92
Views: 9809

Re: I'm sitting here watching FOX Business...14200??

What difference does it make? I didn't sell anything in 2000-1 or 2008-9 Not about to start now The downturn in 2000-1 and 2008-9 did not impact me because like you I bought all way down, maintained my asset allocation and I was fine over time. This downturn terrifies me and it will have a much big...
by bikechuck
Wed Jan 13, 2016 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional vs Bonds
Replies: 11
Views: 1026

Re: TIAA Traditional vs Bonds

I am using TIAA traditional as a substitute for 30% of the Bond allocation in my portfolio. Another 30% is coming from a similar investment with another highly rated insurance company that pays a guaranteed minimum 4.5% return. Would you be willing to name that company? Thanks. Sure it is an IRA th...
by bikechuck
Wed Jan 13, 2016 11:38 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional vs Bonds
Replies: 11
Views: 1026

Re: TIAA Traditional vs Bonds

I am using TIAA traditional as a substitute for 30% of the Bond allocation in my portfolio. Another 30% is coming from a similar investment with another highly rated insurance company that pays a guaranteed minimum 4.5% return. The other 40% of my Bond holdings are invested in bond funds and the bon...
by bikechuck
Wed Jan 06, 2016 4:37 pm
Forum: Investing - Theory, News & General
Topic: [Market] Correction...Corection...Correction
Replies: 103
Views: 11941

Re: CORRECTION...Corection...Correction

In the past this would not have bothered me at all because I was working and not looking to retire anytime soon. In the past I have just kept buying all the way down and maintaining my targeted asset allocation and things always worked out just fine. However, I am looking at retiring later this year...
by bikechuck
Tue Jan 05, 2016 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 233
Views: 23373

Re: Vanguard Customer Service

I had a bit of a rocky start with Vanguard this year when I first invested with them. I opened a VG Roth IRA and transferred after tax 401K money to this ROTH. When I checked online to see that the money transferred properly I noticed that they mistakenly put the money in a regular IRA rather than a...
by bikechuck
Mon Jan 04, 2016 2:35 pm
Forum: Personal Consumer Issues
Topic: Vacuum for hardwood
Replies: 46
Views: 3824

Re: Vacuum for hardwood

Just bought a Hoover Linx battery powered vacuum for the hardwood. Works great. I was looking at it this morning, how is the battery life? Do you have to charge it often? Battery life is not great. However I can easily do my downstairs approx. 900 square feet (which is where my hardwood is) 2X befo...
by bikechuck
Sun Jan 03, 2016 5:43 pm
Forum: Personal Consumer Issues
Topic: Minivan or not?
Replies: 50
Views: 5311

Re: Minivan or not?

Plus one on the minivan. My first was a Dodge grand caravan and I did not like it very much, little things and many big things kept going wrong with it from dome lights air conditioner, transmission, doors not closing and opening properly etc.. I drove it for 150,000 miles or so and then traded it i...
by bikechuck
Fri Jan 01, 2016 7:16 pm
Forum: Personal Consumer Issues
Topic: Vacuum for hardwood
Replies: 46
Views: 3824

Re: Vacuum for hardwood

PatSea wrote:Just bought a Hoover Linx battery powered vacuum for the hardwood. Works great.



Another vote for the Hoover Linx, one of the best products I have ever purchased. It is great for hardwood floors but also for carpeted stairs.
by bikechuck
Wed Dec 30, 2015 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone used E-Loans for CDs
Replies: 5
Views: 718

Re: Has anyone used E-Loans for CDS

Phineas J. Whoopee wrote:It might be helpful for OP to edit the thread subject to match the body of the post, saying "CDs."

PJW


Thanks for the suggestion, I made the edit.
by bikechuck
Tue Dec 29, 2015 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone used E-Loans for CDs
Replies: 5
Views: 718

Has anyone used E-Loans for CDs

I have a bit too much cash in my after tax Money Market account and I plan to purchase $50K in CDs with $10K each in one year, two year, three year, four year and five year maturities. Bankrate.com has E-Loans with the best rates in most of these categories; they are FDIC insured. Is there any good ...

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