Search found 178 matches

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: 4053

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: 38
Views: 4023

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: 1213

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: 526

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: 978

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: 663

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: 3101

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: 1104

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: 541

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: 2774

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: 1519

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: 5069

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: 2895

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: 1301

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: 850

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: 4153

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: 4153

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: 2569

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: 2742

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: 8974

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: 3488

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: 391

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: 4602

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: 8279

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: 3835

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: 3835

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: 4600

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: 214
Views: 28096

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: 6229

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: 289

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: 289

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: 2780

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: 214
Views: 28096

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: 2587
Views: 819148

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: 2587
Views: 819148

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: 4797

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: 4884

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: 5783

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: 987

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: 150
Views: 10051

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: 5660

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: 4085

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: 791

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: 369
Views: 30509

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: 921

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: 4059

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: 3568

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: 1228

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: 4073

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...