Search found 249 matches

by birdy
Mon Dec 04, 2017 12:46 am
Forum: Investing - Help with Personal Investments
Topic: cash out pension or no?
Replies: 9
Views: 1153

Re: cash out pension or no?

I just had this come up myself. I worked for Kaiser early in my career. They had a pension. This year I got a letter stating they could give me my $39,000. pension amount or I could leave it and get $220.00 per month when I "retired". The monthly amount was not going to make an impact on our monthly...
by birdy
Mon Dec 04, 2017 12:01 am
Forum: Investing - Help with Personal Investments
Topic: Variable annuities Yes/No
Replies: 49
Views: 5221

Re: Variable annuities Yes/No

Carl:

By now hopefully you will say NO to products intended to totally confuse you with BS! You have been given the answer to your question LOUD AND CLEAR!

birdy
by birdy
Sat Dec 02, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 158
Views: 21700

Re: Best Financial Moves You've Made

Saving money for retirement and emergencies is not glamorous nor popular. Some times you have to put off "wants" and concentrate on "needs". To watch other people your age buying fancy cars and taking fancy vacations is hard. But if you develop the Boglehead mind set, you will just snicker at them f...
by birdy
Sat Dec 02, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: I'm new and need some advice/guidance
Replies: 5
Views: 349

Re: I'm new and need some advice/guidance

cis_: Yes, to guarantee the return you need, a CD is what you need. If you put your money into equities (stocks) you probably know that there is NO guarantee. Stocks go up and they go down. Over the LONG HAUL you will probably have more money in the equities, but that is not GUARANTEED! That is why ...
by birdy
Sat Nov 25, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: going out to dinner with friends and how to split the bill
Replies: 86
Views: 5267

Re: Etiquette question: going out to dinner with friends and how to split the bill

When waitress comes to take our order, I tell her "we are together". I hate splitting the bill due to some of our friends spending way more for their meal than we do! Doing it this way there is no discussion about who pays the bill. I don't feel guilty if I order a dessert when no one else does. birdy
by birdy
Sun Nov 19, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 5790

Re: How much do you budget for vacation?

We used to take one "big vacation" (out of the country) every other year. NOW since retired, we are traveling out of the country Every year! We budget $10,000. to $15,000. per year for trips. We are frugal. We go with group tours out of the country which saves us money (yes, we are THOSE people who ...
by birdy
Sat Nov 04, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: CR doesn't like some formerly favored SUVs
Replies: 25
Views: 2920

Re: CR doesn't like some formerly favored SUVs

I have purchased all my cars by what CR recommended. I have never had a lemon by doing this. I keep my cars a long time. Currently drive a 2003 Pontiac Vibe that was CR recommended (purchased new). The mechanic I use has told me if I ever want to sell it, he wants to buy it from me! My spouse keeps ...
by birdy
Tue Oct 24, 2017 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: I just want to invest 200k and get 3%
Replies: 20
Views: 5316

Re: I just want to invest 200k and get 3%

use bankrate.com or depositaccounts.com to find a FDIC insured CD.

birdy
by birdy
Tue Oct 24, 2017 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Commission only fiduciary planner
Replies: 129
Views: 5244

Re: Commission only fiduciary planner

Pdub: Why are you working so hard to convince us they are working for YOU??? I also suggest you not go to the meeting as you will only be met with a sales pitch that sounds good but ends up MAKING NO SENSE for you. Commission = Sales. Even though some friends have told you this company is the one th...
by birdy
Sun Oct 08, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: What to do with unused paint?
Replies: 38
Views: 2557

Re: What to do with unused paint?

In our city, we call the waste disposal department. They will pick it up at the curb at a time they will determine. They also do this for any other hazardous materials.

birdy
by birdy
Wed Oct 04, 2017 6:58 pm
Forum: Personal Consumer Issues
Topic: River cruise recommendations (Europe)
Replies: 19
Views: 1624

Re: River cruise recommendations (Europe)

Have been on ocean cruises (6) and river cruises (3). I like the more intimate river cruise. Have been on Uniworld and Globus and both very good. Pick a trip according to your interest in going to certain places, then check the reviews. I live in Dallas, TX and use Sharon Carr travel. They organize ...
by birdy
Wed Oct 04, 2017 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: 2M savings investment help
Replies: 45
Views: 8540

Re: 2M savings investment help

I also have investments around $2.6 m. Three fund portfolio 60/40 (age 62) the "40" is in savings bonds, CDs and 2 bond funds. (largest amount is in CD's) Spouse and I accumulated this amount due to investing in 401k's and Roths. Also became boglehead fairly early so was confident in the mutual fund...
by birdy
Sun Sep 24, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Older or younger people travel around?
Replies: 31
Views: 3350

Re: Older or younger people travel around?

My spouse and I started traveling early in our married life. Why the emphasis on age of fellow travelers? We have been have been on several river cruises (adventure trips). Egypt, Cambodia, Vietnam. We were surrounded by like minded people who craved a different travel experience. We have been on mu...
by birdy
Tue Aug 22, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Possible January trip to Naples, Italy / Amalfi Coast
Replies: 37
Views: 2793

Re: Possible January trip to Naples, Italy / Amalfi Coast

Was in Italy 3 months ago. As part of the tour we were on, we were supposed to go to Naples also. The tour company took us in the bus around the dock area and that was it. They said in Naples the people do not obey the street signs/law and too much crime for us to get off the bus. We didn't even get...
by birdy
Sat Aug 19, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: Draperies or Honey Comb Shades/Blinds?
Replies: 31
Views: 2820

Re: Draperies or Honey Comb Shades/Blinds?

I recently got rid of my 19 year old mini blinds and purchased custom made roller shades. I really like them. You can purchase roller shades that let some light in or get the ones that darken the room. The roller shades seem more contemporary to me (I also got rid of all my old window valances). Als...
by birdy
Fri Aug 04, 2017 7:37 am
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 7893

Re: Study: Who Sold Stock During the 2008-9 Crash?

Did nothing but wait it out.....was scary but I didn't panic.

birdy
by birdy
Mon Jul 31, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 51
Views: 27866

Re: Opticians: is there any difference in quality of Costco glasses?

The problem I had with this first pair of progressives from Costco was the tech who fit them for me. When I would watch TV I would have to tip my chin up to find the "sweet spot" for that range. I went back 3 times for them to adjust the frames thinking that was the problem. FINALLY, I got a REAL op...
by birdy
Tue Jul 25, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Pay yourself first.
Replies: 43
Views: 4268

Re: Pay yourself first.

I have lived my life using the same adage to "pay myself first". Which has always meant to me not spending everything you earn but instead "saving" some of it. Whether a money market/CD/investment, I pay myself before spending the rest.

birdy
by birdy
Thu Jul 20, 2017 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA For 1 Month (?)
Replies: 11
Views: 729

Re: COBRA For 1 Month (?)

FYI: Family COBRA coverage for us expires Sept 30 (2017). In talking to an insurance broker about my choices for coverage (only 3 providers in Texas to choose from) he told me to check with the former employer about CONTINUING THE COBRA COVERAGE. I told him my 18 months was up. He said not many peop...
by birdy
Tue Jun 27, 2017 12:02 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 16623

Re: Sam's Club vs. Costco

I had a really bad experience at Sams: Went through the check out with my basket and paid. Got to door and they checked my basket against my receipt. The clerk had some how not rung up one of my items and I was treated like a shop lifter. Was so embarrassed I never went back again. Joined Costco 2 y...
by birdy
Wed Jun 21, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 5434

Re: Help with Guns in Estate [how to sell]

Any gun shows going on near you? Spouse used to go to them and get names of locals buying and selling. As another poster mentioned, here in Texas it is easy to buy or sell guns. Have you tried a pawn shop?

birdy
by birdy
Fri Jun 16, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: house or condo for a frequent traveling family?
Replies: 17
Views: 2118

Re: house or condo for a frequent traveling family?

I would rent. I would not want my home to sit empty for that length of time. Your landscaping will look bad (you aren't there to supervise proper maintenance) so your curb appeal will scream BREAK IN HERE!!!! Besides, going to different cities you might decide you would rather put down roots some wh...
by birdy
Tue Jun 06, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Trip to Ireland/Amex/Visa/Do I need a card with no foreign tx fee?
Replies: 22
Views: 1501

Re: Trip to Ireland/Amex/Visa/Do I need a card with no foreign tx fee?

We got a AAA card because it has zero foreign transactions fees. Went to Italy 2 months ago and worked fine. We also though, got Euros because cash is accepted everywhere! Some small shops/coffee places have a minimum amount you have to be charging in order to use your cc card. To tell you the truth...
by birdy
Sun May 14, 2017 10:14 pm
Forum: Personal Consumer Issues
Topic: Where do you get your tea ?
Replies: 23
Views: 2511

Re: Where do you get your tea ?

I went on an African safari a few years ago. Got hooked on Five Roses tea. I buy it on line at: http://www.africanhut.com

birdy
by birdy
Sun May 14, 2017 8:48 pm
Forum: Investing - Theory, News & General
Topic: Fidelity portfolio advisory services
Replies: 25
Views: 3993

Re: Fidelity portfolio advisory services

GYM4866: What we have in Fidelity funds are: 500 index FUSVX Expense ratio=.04% International index FSIVX Expense ratio=.08% total market index FSTVX Expense ratio=.04% mid cap FSCKX Expense ratio=.07% This combination does not make a balanced portfolio. Spouse really likes the 500 fund. I personall...
by birdy
Fri May 12, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to be an executor
Replies: 16
Views: 2078

Re: How to be an executor

Just got back from the lawyers office today. Everything being done is exactly right! When they finish the few things they have left to move around, the lawyer said the trust is empty and it just "goes away". Nothing more to do to the trust. The key to the the checking/savings accounts was that they ...
by birdy
Fri May 12, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: Fidelity portfolio advisory services
Replies: 25
Views: 3993

Re: Fidelity portfolio advisory services

I refuse to pay any kind of management fee to ANYONE! I have always picked good funds and then let them be. If you are in funds you are happy with, why pay someone to "watch" them sit and earn money? My funds are all with Vanguard now. My spouse has all his money in Fidelity (Spartan) accounts. We a...
by birdy
Wed May 10, 2017 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: How to be an executor
Replies: 16
Views: 2078

Re: How to be an executor

Loved ones final funeral (cremation) arrangements were already arranged and paid for before death (about 6 months ago). One of the executors is very anxious that all legal matters have been addressed. S.S. was notified of the death and death certificates were received from the funeral home on Monday...
by birdy
Wed May 10, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: How to be an executor
Replies: 16
Views: 2078

Re: How to be an executor

1) No property ownership---love one was in nursing home 2) The checking/savings accounts ($250,000) are joint accounts with beneficiaries/executor 3) only 2 bills: Insurance and rent (executor has been in charge of paying these things the last 5 years) 4) small amount of personal furniture/clothes -...
by birdy
Tue May 09, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: How to be an executor
Replies: 16
Views: 2078

How to be an executor

I recently had a death in the family and everyone was confused as to what to do settle everything. There is a will and a trust. The two children of the deceased are co-executors. They are also the beneficiaries of the trust. Can't they just go ahead and move the money left in the checking/savings ac...
by birdy
Thu Apr 27, 2017 12:00 am
Forum: Investing - Help with Personal Investments
Topic: New to all of this, need a consult/reassurance please.
Replies: 30
Views: 2150

Re: New to all of this, need a consult/reassurance please.

41fan: Great to hear from you. I always wonder what ends up happening with newbees who ask questions of us. By the looks of what you have done, you are doing a GREAT job!!!!! It is so nice to know you are excited about what you are learning and now UNDERSTANDING why we have tried to steer you in the...
by birdy
Sat Apr 22, 2017 4:38 pm
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 322
Views: 23731

Re: I don't understand the case for EE bonds

I purchased my EE Bonds in 1992. I have always intended to hold to maturity and nothing has changed. As a part of a diversified portfolio they still are a good fit for me. I have not purchased any more since then, as I started to do CD ladders and VG bond funds. My spouse and I are now retired (age ...
by birdy
Tue Apr 18, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Closing my oldest credit card
Replies: 19
Views: 2343

Re: Closing my oldest credit card

What I personally have done with my credit cards is: cut up the ones I won't use any more. Account stays open. Have never had a problem with this!
birdy
by birdy
Tue Apr 18, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for 30yr old with limited knowledge-Calling all Bogleheads
Replies: 17
Views: 2324

Re: Advice for 30yr old with limited knowledge-Calling all Bogleheads

Great advice LazyLarry!!! This newby boglehead investor can't go wrong with your advice!

birdy
by birdy
Thu Apr 06, 2017 11:55 pm
Forum: Personal Consumer Issues
Topic: Cost of Booze on a Cruise
Replies: 68
Views: 7979

Re: Cost of Booze on a Cruise

Good grief! Do you only cruise to drink??? Went on a cruise out of England where a lot of the Brits got off in the ports to find "pubs". Get the drink of the day special if you want. We have seen enough other cruisers drunk from the beginning to the end of the cruise to make us cringe. We have been ...
by birdy
Tue Mar 28, 2017 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank Raise Your Rate CDs
Replies: 9
Views: 3493

Re: Ally Bank Raise Your Rate CDs

I have owned several "Raise your rate" CD's at Ally. I have NEVER had the interest rate go enough to bother with trying to change it. It sound great but have never needed to actually use that feature.

birdy
by birdy
Tue Mar 14, 2017 11:04 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 21775

Re: gratuitous homeownership items

I had 2 "invisible" screen doors put in. The kind that roll into the frame when not in use. I used them only 3-4 times because my dogs would run straight through them like they weren't there. The cat could get her head through the bottom of the screens to get out of the house.

birdy
by birdy
Fri Mar 10, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: New to all of this, need a consult/reassurance please.
Replies: 30
Views: 2150

Re: New to all of this, need a consult/reassurance please.

Hi 41fan: Be sure to print out and read (over and over....) the booklet BL suggested. Read (over and over...) the Boglehead books suggested in the Wiki. If you don't have the basic understanding of what is being discussed, how can you make an intelligent decision? You will always have help from us, ...
by birdy
Fri Mar 10, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: New to all of this, need a consult/reassurance please.
Replies: 30
Views: 2150

Re: New to all of this, need a consult/reassurance please.

Hi 41fan: I started doing the CD's only after I fund my ROTH IRA. Money of course in a Roth already has had taxes taken out (after tax money) so it will grow tax free (and when you take the money out, will be tax free!). That is why I fund the ROTH first (taxes). The interest you earn on CD's is tax...
by birdy
Thu Mar 09, 2017 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: New to all of this, need a consult/reassurance please.
Replies: 30
Views: 2150

Re: New to all of this, need a consult/reassurance please.

Hi 41fan: In my "bond" allocation, I have: series EE savings bonds, Vanguards Total Bond Mkt Index (Adm) fund, and Vanguard Tax exempt intermediate bond fund. I have a 5 year CD ladder that I count as "bond" because I feel more comfortable having money in CD's rather than more bo...
by birdy
Thu Mar 02, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Traveling to Italy - 3 weeks in 2017, advice appreciated
Replies: 123
Views: 11416

Re: Traveling to Italy - 3 weeks in 2017, advice appreciated

I and spouse going to Italy in 2 weeks. We always travel on "shoulder"seasons. Lows 40's to mid 60's. Less crowds, cheaper rates, easier to get into museums. I live in Texas, and believe me I go NOWHERE where it is as hot/hotter than summer in Texas! Don't know why you picked that time of ...
by birdy
Wed Feb 22, 2017 11:05 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 21ST HEARTDAY, JACK BOGLE
Replies: 24
Views: 2184

Re: HAPPY 21ST HEARTDAY, JACK BOGLE

You life has touched so many others in ways we can not express. Thanks and congrats to you and the special family who donated the heart that you could continue to mentor us.

birdy
by birdy
Wed Feb 22, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 8867

Re: Which puppy to buy: golden retriever or labrador retriever?

I don't know how much you have considered the size & strength of your two chosen breeds? Going from a smaller dog (Corgi) to a larger (80+ lbs) could make it more difficult to control. I was raised with German Shepherds, Standard poodles, and Bouvier de Flanders which are all large dogs. Even th...
by birdy
Thu Feb 16, 2017 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Closed my Roth IRA due to political uncertainty - mistake???
Replies: 102
Views: 7264

Re: Closed my Roth IRA due to political uncertainty - mistake???

You can lead a horse to water (information) but you can't make him drink (act).

birdy
by birdy
Mon Feb 13, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 19807

Re: Why do you go to restaurants?

Spouse and I like different food. When we eat out (lunch usually as it is cheaper) we don't have to consider each others taste. We can get what we want.

birdy
by birdy
Mon Feb 13, 2017 10:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 33918

Re: Your USER NAME...what does it mean?

My real name is the name of a bird!! Thus birdy was born.
by birdy
Sat Jan 28, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Criteria for admittance to the 2-comma club
Replies: 79
Views: 7508

Re: Criteria for admittance to the 2-comma club

Those are certainly big milestones. I would add that somewhere in there (or beyond, depending) should be financial independence goals, perhaps beginning when your investable assets could support your basic living expenses and another when they can support your desired lifestyle. For me, the latter i...
by birdy
Wed Jan 25, 2017 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Changing FICO Score
Replies: 42
Views: 5291

Re: Changing FICO Score

Thanks NC911: I have 5-6 credit cards I never use (mainly only use 2 cards and pay them off every month).You are right! I need to use some of the other cards once in a while! We long ago paid off the house and we buy cars with cash the last two times. I dislike sitting down every month to pay bills....
by birdy
Mon Jan 23, 2017 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Changing FICO Score
Replies: 42
Views: 5291

Re: Changing FICO Score

Thanks for all the replies. .First CC with AAA. Issued through Bank of America (our primary bank) .Income since retiring is $70,000 less now. Yes, we were socking lots of income away in investments while working. Had more money coming in than needed for living expenses. .I made a stupid mistake befo...