Search found 157 matches

by galectin
Tue May 23, 2017 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: What brokerage service to use?
Replies: 3
Views: 327

Re: What brokerage service to use?

I have been happy using TDAmeritrade with commission-free Vanguard ETFs. I have IRAs through them, as well. The local office has been responsive to questions and it is easy to make deposits through them.
by galectin
Sun May 21, 2017 3:43 pm
Forum: Investing - Theory, News & General
Topic: Anyone else track the value of their investments by discounting the value of equities?
Replies: 64
Views: 3632

Re: Anyone else track the value of their investments by discounting the value of equities?

Having just retired, I am currently dealing with this question in calculating what our withdrawals from our retirement accounts should be for my wife and me. We are 50:50 equities:bonds in a three fund portfolio and I am using 4% as per the Trinity study. We are both age 67, so this seems somewhat c...
by galectin
Sat May 20, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Lawyers charging for asking about fees
Replies: 62
Views: 7294

Re: Lawyers charging for asking about fees

I think this story, about a high visibility Washington DC attorney and former Secretary of Defense, Clark Clifford, answers your question. I heard the same story many years ago. Unfortunately, Clark Clifford’s long and honored career ended on a sour note, as he was implicated in a major bank scanda...
by galectin
Wed May 10, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: What to do with older laptop?
Replies: 32
Views: 3271

Re: What to do with older laptop?

Thanks everyone for your advice. I'll probably go with Linux option. I don't like the option of recycling a computer unless it's literally unserviceable. I recommend that you look into Linux. I am posting this using Linux on an old Dell laptop that has a Core 2 Duo chip, 2 Gb of RAM, and a 60 Gb ha...
by galectin
Tue May 09, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: What to do with older laptop?
Replies: 32
Views: 3271

Re: What to do with older laptop?

I recommend that you look into Linux. I am posting this using Linux on an old Dell laptop that has a Core 2 Duo chip, 2 Gb of RAM, and a 60 Gb hard drive. It has Windows XP on it. I put a Linux distro on it and it works fine for web browsing, email, etc. I am using Mint MATE 17.3. The Xfce interface...
by galectin
Fri May 05, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Policies?
Replies: 5
Views: 610

Medicare Supplement Policies?

I have just retired (Woo-Hoo!) and am looking for a supplemental policy for Medicare parts A and B, which we have already signed up for. My wife and I have determined that we would be best served by a Part G plan. We are set for Part D. Does anybody have any experience/advice on navigating the alter...
by galectin
Mon Apr 24, 2017 12:20 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 110
Views: 12611

Re: Roll Call for the Retirement Class of 2017!

Today, March 31! I am running out my vacation time until the middle of May, but I won't be going back to work (Ph.D. basic science professor at a midwestern medical school). This morning I deleted the alarm setting for weekday mornings on my phone. Come Monday, it won't be going off. Good going gal...
by galectin
Mon Apr 17, 2017 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's Money - 50K - Her Advisor vs My DIY - Help
Replies: 67
Views: 5708

Re: Wife's Money - 50K - Her Advisor vs My DIY - Help

Too complicated for me, but I am a three fund guy, not a slice-and-dicer. Since you say that this not part of your EF or retirement, what is the investment goal for this $50K? Comparing your and the advisor's recommendations is like comparing apples to oranges: Index stocks/bonds vs. life insurance....
by galectin
Sat Apr 08, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: HH Bond Deferred Interest Question
Replies: 2
Views: 240

Re: HH Bond Deferred Interest Question

She can get the face value of the bonds without any tax liability, of course. No, the face value of the bond includes the tax deferred interest which is taxable . Thanks. I had misinterpreted the information at the Treasury Direct site and thought that the face value and deferred interest were two ...
by galectin
Sat Apr 08, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: HH Bond Deferred Interest Question
Replies: 2
Views: 240

HH Bond Deferred Interest Question

My FIL died in January and had some HH bonds with his and my daughter's name on them. So, they are hers now, outside of his estate. At the bottom of them it lists deferred interest, which I understand from the Treasury Direct website is probably interest rolled over from previous bonds. If she choos...
by galectin
Mon Apr 03, 2017 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Did you and your spouse have different opinions on retirement income need?
Replies: 31
Views: 2502

Re: Did you and your spouse have different opinions on retirement income need?

quote="KlingKlang"]As far as different opinions between spouses - a constant source of friction between my wife and myself is 'not having a paycheck' in retirement. Actual paychecks, pension (not eligible for any) checks, and SS (not taking it yet) checks count as paychecks, income from mu...
by galectin
Fri Mar 31, 2017 9:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 110
Views: 12611

Re: Roll Call for the Retirement Class of 2017!

Today, March 31!

I am running out my vacation time until the middle of May, but I won't be going back to work (Ph.D. basic science professor at a midwestern medical school).

This morning I deleted the alarm setting for weekday mornings on my phone. Come Monday, it won't be going off.
by galectin
Sun Mar 26, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2327
Views: 694364

Re: What Book Are You Currently Reading? Part VI

The Hidden Life of Trees by Peter Wohlleben. It is about how trees grow and interact with other trees and their environment, both as individual trees and within a forest. I have found it to be fascinating and highly recommend it.
by galectin
Mon Mar 20, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2327
Views: 694364

Re: What Book Are You Currently Reading? Part VI

I am halfway through From Bacteria to Bach and Back by Daniel Dennett. It is about human consciousness. So far, I think it is pretty good.
by galectin
Thu Mar 16, 2017 12:44 am
Forum: Personal Consumer Issues
Topic: Dispute with neighborhood association
Replies: 37
Views: 4473

Re: Dispute with neighborhood association

Good that it worked out for the OP.

But, this, and some of the comments is why I have told my wife that if we move, we will try to avoid a house in a HOA area.
by galectin
Mon Mar 13, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: How many pairs of jeans do you own?
Replies: 64
Views: 4145

Re: How many pairs of jeans do you own?

Do you count jeans that I can no longer fit into?? :D
by galectin
Sun Mar 12, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: How do you keep spouse informed of family finances?
Replies: 36
Views: 4705

Re: How do you keep spouse informed of family finances?

My wife pays the bills and I handle the investments. I give her a spreadsheet with all our accounts and passwords every six months. So, if I would die suddenly, she has all the account information. I feel that I could handle the bills if she would go first. She has all the passwords in a notebook. T...
by galectin
Mon Mar 06, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Who holds Vanguard and/or iShares at TD Ameritrade?
Replies: 8
Views: 756

Re: Who holds Vanguard and/or iShares at TD Ameritrade?

I came to TDAmeritrade through originally being with the online broker Waterhouse. It has worked out fine since TDA has an office in my city that I go to when I deposit money into the acct. and to handle other issues. My wife and I transferred individual IRAs into TDA. We have all Vanguard ETFs in t...
by galectin
Wed Mar 01, 2017 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 81
Views: 5480

Re: What Car Should I Buy My Daughter as a Graduation Present

I got my daughter a new first year Scion XB when she graduated. She is still driving it and it has been quite reliable. My son got a Kawasaki 650 motorcycle. We paid for it and made up the difference in cash. What other folks said: What does she want? Is snow an issue that would make AWD important? ...
by galectin
Wed Mar 01, 2017 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 58
Views: 4554

Re: TIAA financial advisor?

My memory is that about two years ago TIAA/CREF got rid of a bunch of their in-house advisors and assigned everybody to a Wealth Management Advisor (WMA). I started getting letters and emails and phone calls from him. He told me that there was a free meeting with him. My understanding, not from him ...
by galectin
Fri Feb 24, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Ethical dilemma involving birthdays and wine..
Replies: 35
Views: 3761

Re: Ethical dilemma involving birthdays and wine..

I think that it is his business to keep track of who he sends gifts to. I would probably not do anything. However, since it seems to bother you, I like the idea of your wife of sending a thank you note that would remind him that you are receiving this gift. As a bonus, sending him the note allows yo...
by galectin
Tue Feb 21, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Sign-Up Requirements
Replies: 7
Views: 666

Re: Medicare Sign-Up Requirements

My understanding is that he should sign up for Part A only, which I did two years ago when I was turning 65. I am still working and am covered by my employer. My medical expenses are paid by my employer's coverage, not Medicare.

Part A doesn't cost anything to sign up for.
by galectin
Tue Feb 14, 2017 9:54 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 342
Views: 21762

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

A protein in the body that I was doing research on at the time I joined the forum.
by galectin
Mon Jan 16, 2017 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Help with widowed mother portfolio
Replies: 13
Views: 835

Re: Help with widowed mother portfolio

Your mother should immediately rescind in writing the authority for the EJ rep. to make trades in the account to prevent last-minute commission generating trades.
by galectin
Wed Dec 14, 2016 4:26 pm
Forum: Personal Consumer Issues
Topic: Subaru Outbacks - any owners here?
Replies: 36
Views: 3695

Re: Subaru Outbacks - any owners here?

My son bought an Outback about 1.5 years ago and he likes it. I have driven it and liked it, and will probably buy one when I have to buy a new car.

While some older Subaru models have had oil consumption problems, he has not had any issues with this, or anything else.
by galectin
Sat Oct 29, 2016 9:10 am
Forum: Personal Consumer Issues
Topic: Web advertising - who clicks on it?
Replies: 34
Views: 3220

Re: Web advertising - who clicks on it?

I will click on the ads in two cases: 1. When a political ad comes up from somebody I will not vote for, I will click on the ad so the candidate wastes money on the site. I will then delete the tab later. 2. When I want to support a site, I will click on ads that come up to try to give the site some...
by galectin
Tue Oct 18, 2016 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Investing with TD Ameritrade
Replies: 15
Views: 1086

Re: Investing with TD Ameritrade

I am in a three fund portfolio across a three different places (TIAA/CREF and Fidelity at work, and TDA for individual IRAs and a taxable acct.). I use the commission-free Vanguard ETFs from TDA and haven't had a problem. They did a fine job a few years ago in moving my wife's work 401K to her indiv...
by galectin
Tue Oct 18, 2016 12:31 am
Forum: Investing - Help with Personal Investments
Topic: Should I stop watching my investments? Negative ROI feels bad.
Replies: 48
Views: 3790

Re: Should I stop watching my investments? Negative ROI feels bad.

Stay the course. Some time in the future your ROI might be worse. At the very least, you will find yourself looking at your total and seeing that it is much lower than it was six months previous. Back in 2008 when everything dropped big-time, my wife came to me and asked if we were doing the right t...
by galectin
Sun Oct 16, 2016 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Laid off at 40 - What to do?
Replies: 42
Views: 6835

Re: Laid off at 40 - What to do?

"I could be stay-at-home dad, but my wife thinks our son is better off in day care where he gets to learn social skills . This is our first baby so I've no idea what is the right way about this." My wife stayed home with our daughter and we had these same concerns about social skills. When...
by galectin
Tue Oct 11, 2016 3:42 pm
Forum: Personal Consumer Issues
Topic: Looking for Help from BH Bridge Players
Replies: 23
Views: 1570

Re: Looking for Help from BH Bridge Players

One place that you can practice on your own for free is at Bridge Base (bridgebase.com). Click on "Just Play Bridge" and then "Play" and you can play against three robots. Descriptions of what bids mean are available. If your partner is declarer, you play the hand. At the end you...
by galectin
Sun Oct 09, 2016 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: What happens if an online broker goes bankrupt.
Replies: 8
Views: 1266

Re: What happens if an online broker goes bankrupt.

So, my retirement funds are in excess of the $500,000 covered by the SPIC. Do people think that I should I split it between more than one institution to keep the amount in any place under that amount? Right now, they are in three places as I am still working, but I have been considering consolidatin...
by galectin
Wed Oct 05, 2016 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Transfer My Brokerage Accounts to Vanguard?
Replies: 14
Views: 1305

Re: Should I Transfer My Brokerage Accounts to Vanguard?

The commission-free ETF for Total Market at TD Ameritrade has an ER of 0.05, the same as the Admiral fund at Vanguard. Since you are happy with TDA, why not convert to that? My wife and I have some IRA's at TDA and they are invested in these comission-free Vanguard ETFs. Why not convert to them? Ho...
by galectin
Wed Oct 05, 2016 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Transfer My Brokerage Accounts to Vanguard?
Replies: 14
Views: 1305

Re: Should I Transfer My Brokerage Accounts to Vanguard?

The commission-free ETF for Total Market at TD Ameritrade has an ER of 0.05, the same as the Admiral fund at Vanguard. Since you are happy with TDA, why not convert to that? My wife and I have some IRA's at TDA and they are invested in these comission-free Vanguard ETFs. Why not convert to them?
by galectin
Sun Sep 04, 2016 8:52 pm
Forum: Investing - Theory, News & General
Topic: Simplifying portfolio for less involved spouse?
Replies: 19
Views: 2712

Re: Simplifying portfolio for less involved spouse?

We are a lot older and I will retire early next year. Your question is more applicable for us than youngsters like you two. I had my wife fill out a spreadsheet with all our accounts, their values, and passwords. We updated this a month ago and I plan to do this about every six months. Having her en...
by galectin
Fri Aug 05, 2016 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Inheriting Morgan Stanley Portfolio-questions
Replies: 10
Views: 597

Re: Inheriting Morgan Stanley Portfolio-questions

As well as finding out the basic information of what is in this account, you should rescind any authority for the MS representative to trade in this account. This would prevent any churning the account to generate some last minute commissions. Then you can decide if you want to move it.
by galectin
Tue Jul 19, 2016 9:17 pm
Forum: Personal Consumer Issues
Topic: How much are these microscopes worth and what should I do with them?
Replies: 15
Views: 1487

Re: How much are these microscopes worth and what should I do with them?

There are companies who deal in used scientific equipment. They might be a way to go. But, I doubt if you will get much for them, even on ebay. Another possibility is that if there is a local college or university, you might want to contact the biology/biochemistry/anatomy dept. and ask if there is ...
by galectin
Thu Jul 07, 2016 3:30 pm
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 164
Views: 11156

Re: Hiking questions

I second the recommendation to sign up for AllTrails (free). It has a lot of info and reviews about trails all over the country. I just checked and see hundreds of trails in Connecticut listed on their website. It is also available in iphone and Android apps. As to shoes/boots, I have found that ank...
by galectin
Wed Jul 06, 2016 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Unresponsiveness of Social Security Website
Replies: 5
Views: 372

Re: Unresponsiveness of Social Security Website

I just filled out and submitted a form without any issues. I got an email back from them saying that they got the form OK.
by galectin
Sat Jun 18, 2016 1:55 pm
Forum: Personal Consumer Issues
Topic: Need advice ..Lexus battery fails when car is not driven 24 hrs
Replies: 87
Views: 6212

Re: Need advice ..Lexus battery fails when car is not driven 24 hrs

I have had this problem twice in the past 30 years. The first time it was a short somewhere in the electrical system that the dealer fixed. The second time, one of the sensors that detects that the door was closed had broken and the "door open" light on the dashboard was on all the time, c...
by galectin
Wed May 25, 2016 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Need Moral Support for FA Breakup!
Replies: 68
Views: 5906

Re: Need Moral Support for FA Breakup!

. . . but it's finally done! That account is mine, the link is severed, only I can trade in it (For those curious, it's sitting at Schwab, which I actually like, but I still think I'm going to open a Vanguard account in the next day or two and have it pulled over so I have easy access to the Vangua...
by galectin
Wed May 25, 2016 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Need Moral Support for FA Breakup!
Replies: 68
Views: 5906

Re: Need Moral Support for FA Breakup!

Hang in there. It is YOUR money. It is YOUR decision. You don't worry about the clerk in a store being offended if you don't buy what he would prefer you to purchase. I recommend: 1. Make sure the FA is not able to make any trades in the account. 2. Initiate a transfer of the funds to their destinat...
by galectin
Tue May 24, 2016 1:19 am
Forum: Forum Issues and Administration
Topic: Staying Logged In
Replies: 30
Views: 3213

Re: Staying Logged In

I haven't had this problem,but Good God,people, if this is happening, just log in when you want to go to the site. If its value to you is less than that, then don't visit. Life is too short to obsess about small things like having to log in when you go to the site.

Flame off.
by galectin
Fri May 20, 2016 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for fidelity funds for lazy portfolio
Replies: 8
Views: 2957

Re: Looking for fidelity funds for lazy portfolio

I read in another thread that the Spartan Index funds are being renamed to Fidelity ______ Index Fund. Apparently, they are keeping their ticker symbols. Not sure when the change is happening. June 14 is when I have seen the change happening. I just checked, and they are still listed as Spartan Fun...
by galectin
Sun May 15, 2016 8:26 pm
Forum: Personal Consumer Issues
Topic: Should I go to NHL Western Conference Finals game?
Replies: 36
Views: 3164

Re: Should I go to NHL Western Conference Finals game?

MandyT wrote:Well, I'm going! . . . I thought I'd have a better view directly behind the other goal in the ninth row than in the corner a few rows behind that.


I'm watching the game on TV. 1-1 five min. into the second period.

Wave to me, MandyT! :beer
by galectin
Sun May 01, 2016 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Individual, then Spousal Claim?
Replies: 6
Views: 796

Re: Social Security Individual, then Spousal Claim?

Are you both planning on activating at your FRA? How would her SS at age 70 compare with her current spousal benefit (she could take spousal benefit for now and defer her own SS to maximize it). Alternatively (and probably more lucratively if you're relatively healthy): why not have her activate he...
by galectin
Sun May 01, 2016 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Individual, then Spousal Claim?
Replies: 6
Views: 796

Social Security Individual, then Spousal Claim?

I am 66 and my wife will turn 66 in July. I plan to retire in April of next year. Given our respective work histories, half of my SS benefit, which I plan to take next year, will be more than her full benefit. Would it be advantageous for her to take her full benefit when she hits 66 and then take t...
by galectin
Sat Apr 30, 2016 8:26 am
Forum: Personal Consumer Issues
Topic: Suggestions for things to do / places to stay near Newport, RI
Replies: 8
Views: 664

Re: Suggestions for things to do / places to stay near Newport, RI

As I said in another thread, for hiking information, check out AllTrails.com. They have IOS and Android apps too. All are free. I just checked, and the Cliff Walk that another poster mentioned is described with a map and 28 reviews.
by galectin
Sat Apr 30, 2016 8:00 am
Forum: Personal Consumer Issues
Topic: Visiting Napa Valley, CA
Replies: 20
Views: 2062

Re: Visiting Napa Valley, CA

We have visited the Imagery Winery in Sonoma Valley and enjoyed it. They have tastings and you can buy a full bottle or a glass and enjoy it on their patio. You can just buy the wine for the patio without doing the tasting if you wish. Bring munchies to enjoy with the wine, or they have some cheese ...
by galectin
Wed Apr 27, 2016 10:43 am
Forum: Personal Consumer Issues
Topic: Linux/Windows Boot Problem
Replies: 54
Views: 3749

Re: Linux/Windows Boot Problem

Any suggestions as to what other distro to try? Mint looked the best for a new user, but at this point, I just want to prove the concept that I can boot from Linux. I would suggest Debian Live and Manjaro, both of which are listed in the installer pull-down menu. Any of the other options there woul...

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