Search found 195 matches

by galectin
Wed Feb 14, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Helping Mom with Taxes
Replies: 46
Views: 2386

Re: Helping Mom with Taxes

She should have a copy of last years form. If not, she should be able to get it from the firm. If they won't give it to her, that would be a real problem for me. You should look at it and see if there is anything that you couldn't handle.
by galectin
Sun Feb 11, 2018 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA/CREF questions
Replies: 6
Views: 704

Re: TIAA/CREF questions

You may want to search this site for "WMA" - TIAA's free Wealth Management Advisors. Some people feel they've had good, unbiased advice. I moved on to my second one, but rely on an independent, fee-only, no-wealth-management CFP. Good luck. I retired from a faculty position last year and there were...
by galectin
Sun Feb 04, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 374
Views: 45521

Re: Flaunt Your High-Mileage Car

Let us have a moment of silence, please, for my 1996 Ford Aerostar with 247,000 miles on it. It is leaking coolant big-time into the engine and is not worth getting fixed. Rusting body, bad shocks, and the AC was not working as well. We have had Aerostars since 1987 and this one, our second, has bee...
by galectin
Mon Jan 08, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Muir Woods (California) requires reservations.
Replies: 16
Views: 2003

Re: Muir Woods (California) requires reservations.

I was in San Francisco about 6 weeks ago. I no longer go to Muir Woods (as magnificent as it is). Instead, I prefer Big Basin. Big Basin has a 1/2 hour short walk through an incredible grove of old growth redwoods as well as longer walks through both old growth and second generation redwoods. About...
by galectin
Thu Dec 21, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Stay with TD Ameritrade or move to Schwab,Fidelity
Replies: 37
Views: 2777

Re: Stay with TD Ameritrade or move to Schwab,Fidelity

Am I missing something? Why not just hold them at Vanguard? Having a local TDA office where I can deposit checks and talk to one of their reps face-to-face is an advantage to me. I switched from Vanguard ETFs to their commission-free ETFs without any problems with bid/spread issues using market ord...
by galectin
Sun Dec 10, 2017 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall advise for my parents
Replies: 16
Views: 1755

Re: Windfall advise for my parents

So I talked with my dad little on the phone today about their situation. Dad gets $2059 and mom get $750 in SS. No pension. Mom should be eligible for a spousal benefit of half of Dad's SS, which is higher than the $750 that she seems to be getting on her own acct. They should contact SS and conver...
by galectin
Sun Dec 10, 2017 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can/Should early retiree avoid ACA tax credits?
Replies: 55
Views: 3777

Re: Can/Should early retiree avoid ACA tax credits?

As a person who worked past 65 before retiring, these considerations don't apply to me. But, I think that part of the calculation for retiring early, which I am fine with, should be providing health care coverage. The ACA tax credits/subsidies are there to cover working people who aren't making much...
by galectin
Fri Nov 24, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Car on last legs - need advice on transferring tag ...
Replies: 20
Views: 1130

Re: Car on last legs - need advice on transferring tag ...

Why does the mechanic need your title? You are not selling your old car directly to him, are you? If he has a buyer, then you can sign the title over to the buyer after you're paid. Is your mechanic acting as a middle-man? I am guessing that a potential buyer, especially of a low-cost used car, wou...
by galectin
Fri Nov 24, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: if you could use only 1 investment firm...
Replies: 79
Views: 5397

Re: if you could have only 1 investment firm...

Ron wrote:
Fri Nov 24, 2017 1:21 pm
R U serious?

You are asking this question on a forum dedicated to Vanguard? :oops: ...
Uh, I regard us as Bogleheads, not Vanguardians.
by galectin
Mon Nov 13, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 138
Views: 10309

Re: Thoughts about wearing a "uniform"/same thing everyday?

This fits me with one modification. Toward the end of graduate school I was in a meeting and thought that I was a little underdressed. So, after some thought I started wearing the following: Black cotton slacks. Black socks. Black tie leather shoes. A "dress shirt" (plain color or with stripes) that...
by galectin
Tue Nov 07, 2017 8:50 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 549
Views: 57811

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Regarding the extension of the period for the previous commission-free list I received the below message from a TD Ameritrade agent: "Hello again! Your friend must have an account with our Institutional segment. Those accounts are managed by professional investment advisors, who maintain large port...
by galectin
Mon Nov 06, 2017 6:05 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 549
Views: 57811

Re: Fellow TDA bogleheads

I also got the ETF commission free email extension until Jan, in my HSA. Did NOT get the email in my Roth or taxable. That would support the theory that HSAs are getting a break because they're considered 'instituional', but individual investors are not. I just talked to my local TDA acct. rep. thi...
by galectin
Tue Oct 24, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 711
Views: 35933

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

While I am (sadly) mired at the 15th percentile, it is due (happily) to my being pessimistic as the market has way outperformed my expectations. I'll take the money over the bragging rights any day. :D
by galectin
Sun Oct 15, 2017 2:06 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 549
Views: 57811

Re: Fellow TDA bogleheads

I have been a happy TDA customer for years and have been using the commission-free low ER Vanguard ETFs. Since I just retired I am transferring money from TDA to my checking acct. by selling some of the ETFs in my brokerage acct. on a monthly basis. I will consider moving the funds for these distrib...
by galectin
Fri Sep 29, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: Better chance to be accepted to state medical school if also attend undergraduate in the state?
Replies: 18
Views: 1609

Re: Better chance to be accepted to state medical school if also attend undergraduate in the state?

While I was never a member of the admission committee, I did deal extensively with the students at the state medical school (not in Texas) I just retired from. State residents were given preference, but quite a few had gone to out-of-state colleges. That did not seem to be a detriment to admission. ...
by galectin
Thu Sep 28, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 5312

Re: Sonoma in October

The DW and I will be there in Oct. also. We have visited the Imagery winery in the past and will probably go again. They have tastings and also have a nice patio in the back where you can buy a bottle and drink it. They have snacks to buy or bring your own. The patio is dog friendly, if that matters...
by galectin
Sat Sep 23, 2017 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 79
Views: 8265

Re: Help?! My 70 year old father is 100% invested in equities

You might want to give your father "The Bogleheads Guide To Investing" and tell him that you learned a few things from it. People often respond better to a neutral third party . . . +1 I was recently discussing retirement investments with my younger (age 63) and she mentioned that she and her husba...
by galectin
Wed Sep 06, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: When doing retirement planning, do you count your spouse's savings?
Replies: 42
Views: 4718

Re: When doing retirement planning, do you count your spouse's savings?

While I agree with most of the responses that you should regard all your savings as joint assets for retirement (My wife and I have done so from the day we were married.), an important question to answer is "What does your wife think?" If she views this as "her" money, you might have a problem if yo...
by galectin
Mon Sep 04, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback
Replies: 65
Views: 9934

Re: 2018 Subaru Outback

My son has a 2016 Outback (same size as the 2018) and His Labrador Retriever fits nicely into the back. With the rear seats down I think that three or even four "big dogs" would fit nicely.
by galectin
Mon Sep 04, 2017 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Best way to withdraw from traditional IRA
Replies: 8
Views: 1389

Re: Best way to withdraw from traditional IRA

I am older and just retired. Most of my money is in IRAs as well. I am transferring funds monthly from my investment accounts to a checking account at a local credit union that has been used to pay all the bills. Currently I am taking them from a brokerage account, but will be starting to withdraw f...
by galectin
Thu Aug 31, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Investment Advice Needed.
Replies: 6
Views: 670

Re: Investment Advice Needed.

Since you say "I feel vanguard is the way to go.", I would do the transfer. If you have free trades at TDA or Vanguard do the liquidation at that place. Personally, I have retirement and a brokerage account at TDA and have them invested in commission-free Vanguard ETFs with the same ER as Admiral fu...
by galectin
Fri Aug 25, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Buying vegetable seeds for my backyard
Replies: 15
Views: 1189

Re: Buying vegetable seeds for my backyard

If you have room, why not grow your own seedlings? It will be a lot cheaper than buying seedlings. I start tomato, cucumber, pepper, eggplant and squash seedings in March in my basement and plant them in April after I have the garden prepared. I use potting soil and styrofoam coffee cups. You just n...
by galectin
Wed Aug 23, 2017 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree portfolio - Should I move more $ into bonds?
Replies: 3
Views: 762

Re: Retiree portfolio - Should I move more $ into bonds?

I am 62 and retired. Over the next 8 years, I will need to withdrawal about $30K per year from my Vanguard 401k. (I have other savings/income that will provide me with additional income. Once I turn 70, my spouse's and my SS will cover 75% of our expenses.) My portfolio is currently 51/49. I am loo...
by galectin
Tue Aug 15, 2017 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Planning for my Wife - Introductory Post & First Question
Replies: 23
Views: 3495

Re: Planning for my Wife - Introductory Post & First Question

Sorry to hear about your health problems. Hope you are wrong about their effect on the future. One suggestion is to have your wife take over the bill paying. That way there will be one less thing for her to get up to speed on if that time comes. My wife has always done the bills and I have done the ...
by galectin
Mon Jul 31, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: VCIT vs VCSH [Vanguard Inter-Term, Short-term Corporate Bond]
Replies: 13
Views: 1475

Re: VCIT vs VCSH

I hold $7500 in each of VCIT & VCSH . My initial reason to get into these two bond ETFs was to move my idle money from savings/checking account that was earning a 0.01 percent interest. I still hold 6 month worth of expenses in my bank account. This money in VCIT & VCSH is an additional net on top ...
by galectin
Thu Jul 27, 2017 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited stocks
Replies: 6
Views: 642

Re: Inherited stocks

I use commission-free Vanguard Index ETFs at TDAmeritrade. Their ERs are the same as Admiral Class at Vanguard. You have to sign up for the commission-free funds, which is just clicking on a link. Selling your stocks and using these in your existing TDAmeritrade account would be simpler, but I don't...
by galectin
Thu Jul 20, 2017 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Helping Father Plan for Retirement (messy)
Replies: 26
Views: 3051

Re: Helping Father Plan for Retirement (messy)

I recommended that he keep one years cash in his checking account and make one withdrawal per year from his retirement accounts into is regular checking. As for the excess cash, he has put some of it in a taxable account at Schwab. This is around $50k-$100k. He wants this cash to be very low risk. ...
by galectin
Tue Jul 18, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Contemplating cancelling life insurance policy (16 years in), can't get an inforce illustration
Replies: 12
Views: 1718

Re: Contemplating cancelling life insurance policy (16 years in), can't get an inforce illustration

Who is the policy owner? You don't say. Is it you/your sister, or your parents? Any surrender for cash value will go to the owner of the policy, not the insured. That is not to say that it shouldn't happen. It does indeed sound like the agents are giving you a run-around hoping that you will give up...
by galectin
Thu Jul 13, 2017 9:53 pm
Forum: Investing - Theory, News & General
Topic: depleting accounts in retirement
Replies: 27
Views: 5487

Re: depleting accounts in retirement

I just retired and am facing this same question. About 80% of my money is in tax-deferred accounts. This year is unusual since I worked for 5 1/2 months and we have some income related to bond interest and distribution from an annuity in my wife's inheritance from her father. We will be taking money...
by galectin
Sat Jul 08, 2017 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade vs Vanguard for Vanguard ETFs?
Replies: 43
Views: 4514

Re: TD Ameritrade vs Vanguard for Vanguard ETFs?

TD Ameritrade currently has a very good list of ETFs that are commission free (from iShares and Vanguard) however there is no guarantee that they will not change the ETFs on that list or change the Terms/Conditions down the road. That said, I have heard their platform is superior to Vanguards. I am...
by galectin
Thu Jul 06, 2017 11:15 pm
Forum: Personal Consumer Issues
Topic: Passing through Las Vegas for 1.5 days..hiking
Replies: 19
Views: 1653

Re: Passing through Las Vegas for 1.5 days..hiking

For hiking information I recommend using AllTrails. It has a website at alltrails.com and apps for both iOS and Android phones. You can see trail lengths, difficulty ratings, and reviews by people who have hiked the trails.

The basic site and apps are free.
by galectin
Wed Jun 28, 2017 1:11 am
Forum: Investing - Help with Personal Investments
Topic: Where to stash cash for a car?
Replies: 5
Views: 984

Re: Where to stash cash for a car?

You have one big portfolio. You do not need a separate account for each savings goal. If you have large anticipated expenses, either increase your emergency fund or your bond allocation. Aside from my emergency fund, I have I-Bonds and Vanguard Short Term Corporate ETF (VCSH) liquid in my brokerage...
by galectin
Mon Jun 26, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Things to do in Iowa/Nebraska
Replies: 73
Views: 4865

Re: Things to do in Iowa/Nebraska

Let me ask about the zoo. As a kid, I enjoyed the zoo. As I've become older however, I've grown to think of the zoo as basically a prison for the animals. I know it's not entirely rational to think of it like that, but I've found that the zoos I've liked have been the ones where they have less vari...
by galectin
Sun Jun 25, 2017 11:39 pm
Forum: Personal Consumer Issues
Topic: Things to do in Iowa/Nebraska
Replies: 73
Views: 4865

Re: Things to do in Iowa/Nebraska

For Omaha, in addition to the zoo and the SAC museum as mentioned by others, the Durham Museum is good if you are a train buff. Also the Lauritzen gardens, near the zoo. The gardens have a model train exhibit that is a hit with kids. Right before the gardens there are two train locomotives in a disp...
by galectin
Wed Jun 21, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Attention Win XP users
Replies: 20
Views: 3113

Re: Attention Win XP users

I had an old laptop running XP that I wanted to use on the Internet, but also keep XP programs available. I installed a Linux distro (Mint 17.3 Mate in my case, but others would work) and had it create a 20 Mb partition for Linux. It moved the XP files to another partition. When I turn the computer ...
by galectin
Mon Jun 12, 2017 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Retired couple with recently-inherited, actively-traded portfolio seek advice
Replies: 16
Views: 2951

Re: Retired couple with recently-inherited, actively-traded portfolio seek advice

Fidelity has a number of low ER index finds for both stocks and bonds, so you could stick with them and have a low ER index portfolio if you wish.

If you want to use their Target Funds, be aware that the ones with 'Index" in their names have lower ERs.
by galectin
Sat Jun 03, 2017 9:13 am
Forum: Investing - Theory, News & General
Topic: Murphy's Law Of Retirement
Replies: 56
Views: 9879

Re: Murphy's Law Of Retirement

People should always have a cushion when planning their retirement. Your retirement is risky if you only have exactly what you project you will need based upon your retirement income, portfolio performance, inflation, etc. Exactly! I just retired and ready to start withdrawals. Social Security and ...
by galectin
Wed May 31, 2017 10:35 pm
Forum: Personal Consumer Issues
Topic: Nephews play football - don't want to encourage this
Replies: 45
Views: 4214

Re: Nephews play football - don't want to encourage this

Back to the original question of the OP:

The kids want to do this and the parents have said that it is OK, albeit with reservations. I would buy the tickets and not worry about it sending a wrong message. It is their call, not the OPs.
by galectin
Tue May 23, 2017 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: What brokerage service to use?
Replies: 3
Views: 448

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: 5260

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: 9024

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: 4156

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: 4156

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: 56
Views: 5673

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: 309
Views: 44755

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: 6620

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: 367

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: 367

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: 2965

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 multi-millio...
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: 309
Views: 44755

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.