Search found 169 matches

by galectin
Thu Jul 20, 2017 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Helping Father Plan for Retirement (messy)
Replies: 26
Views: 2628

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: 1390

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: 4817

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: 40
Views: 2196

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: 1199

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: 814

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: 3816

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: 3816

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: 2393

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: 2583

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: 8184

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: 3179

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: 368

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: 4106

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: 7845

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: 3572

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: 3572

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: 4093

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: 189
Views: 22587

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: 5986

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: 263

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: 263

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: 2692

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: 189
Views: 22587

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: 2470
Views: 767234

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: 2470
Views: 767234

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: 4682

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: 4553

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: 38
Views: 5592

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: 893

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: 142
Views: 8026

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: 5038

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: 3978

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: 736

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: 25280

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: 885

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: 3931

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: 3456

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: 1144

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: 3982

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: 6920

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: 1661

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: 1319

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: 1384

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: 1384

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: 2812

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: 640

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: 1579

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: 11806

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...

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