Search found 436 matches

by mcblum
Sat Dec 03, 2016 8:47 am
Forum: Investing - Theory, News & General
Topic: Forget the 4% safe withdrawal rule -- use RMDs instead.
Replies: 42
Views: 4760

Re: Forget the 4% safe withdrawal rule -- use RMDs instead.

first of all, with taxable, tax deferred and tax free sub-portfolios, you may have different tax solutions. This can save you money over just your w/d from TRIA or 401k. secondly, when your RMD passes 4% of your portfolio, pay taxes and put surplus in taxable. This is what I plan to do starting next...
by mcblum
Mon Nov 21, 2016 2:50 am
Forum: Personal Consumer Issues
Topic: Fountain Pens - Do you use one?
Replies: 76
Views: 3730

Re: Fountain Pens - Do you use one?

Brings back memories of elementary school in the early fifties. Ball points were just coming into fashion and they leaked like hell and were expensive. All the students in my 2nd and third grade classes had fountain pens. Most had Esterbrooks with a few Parkers.We all had those bottles with the litt...
by mcblum
Sat Oct 29, 2016 8:00 am
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 185
Views: 76089

Re: A time to EVALUATE your jitters

I'd rater be down 7.5% than 15%
Marty
by mcblum
Sat Oct 29, 2016 7:45 am
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 185
Views: 76089

Re: A time to EVALUATE your jitters

A wonderful post!
Bonds!!? Those stinking' Bonds!!? I've never been so happy to have my Bonds. I might rebalance in November if it needs it
thanks, Marty
by mcblum
Wed Sep 28, 2016 4:10 am
Forum: Investing - Theory, News & General
Topic: What stocks can I buy when it comes to Marijuana?
Replies: 49
Views: 4725

Re: What stocks can I buy when it comes to Marijuana?

zig-zag papers. Gonna go through the roof....
by mcblum
Mon Aug 22, 2016 3:16 pm
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 123
Views: 8189

Re: What is your system for dealing with coins?

What do you guys do with your foreign coins? I have a bunch from several countries when I traveled there before the Euro. Plus I just got a bunch more pound and two pound coins and various other coins from England. The local US banks will not change coins. Any suggestions? Many years ago, before th...
by mcblum
Thu Jul 28, 2016 1:31 pm
Forum: Personal Consumer Issues
Topic: Driving - Yielding/Right of Way at Uncontrolled 4 Way Intersection
Replies: 34
Views: 1577

Re: Driving - Yielding/Right of Way at Uncontrolled 4 Way Intersection

4 way intersection, no signs or signals? I would always assume any other drivers will not stop, so I wait until I know can get thru safely (clear or waved thru). I never assume what any other driver will do. I only know what I will do. Oh absolutely!. I yield to everyone and everything; even chicke...
by mcblum
Tue Jun 28, 2016 2:59 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2006
Views: 516344

Re: What Book Are You Currently Reading? Part VI

I'm about half way through Patrick O'Brian's Aubrey/Maturin series. "Gives you Joy"
Marty
by mcblum
Sun Jun 26, 2016 7:55 am
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 12263

Re: What did you learn from the post-Brexit bloodbath?

I guess that it is a good thing that it happened on the Friday. Gives people two whole days to calm down. I lost about 1.7%. There is the chance that losses will continue but I will be DCAing every month as usual so I am OK.
Marty
by mcblum
Thu Jun 23, 2016 4:07 am
Forum: Personal Consumer Issues
Topic: best wristwatch for the price
Replies: 87
Views: 5124

Re: best wristwatch for the price

Petrocelli wrote:I previously wore an Oris watch. It cost around $100. It was a good watch. I like it


100$ for an Oris? Wow! I have an Oris TT1 divers watch for about 8 years. Cost me 1000$. A great watch, though. Better lume than my Omega Sea master.
marty
by mcblum
Sat Jun 11, 2016 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Paid off the mortgage today
Replies: 67
Views: 6390

Re: Paid off the mortgage today

We have one and a half years to go before both of us retire so we paid off the mortgage in February. It was three years early but gives such a good feeling. Since the early 1970's, we both were paying either rent or mortgage and now the payments are going into the final years retirement portfolio. I...
by mcblum
Mon May 09, 2016 9:56 am
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 13570

Re: Sci-Fi ... your favorite movies and episodes??

I'm still waiting for Bester's "The Demolished Man" I heard some noise about a script years ago but nothing since
marty. Also, If they get around to it, "The Stars, my Destination"
by mcblum
Wed Feb 24, 2016 2:34 am
Forum: Investing - Theory, News & General
Topic: At what rate would you borrow to invest?
Replies: 81
Views: 6975

Re: At what rate would you borrow to invest?

18 months away from final retirement; just paid off my mortgage; no debt and no rent for the 1st time in 40 years; I would never borrow money for anything ,especially, investing. Marty
by mcblum
Mon Feb 08, 2016 4:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3267
Views: 780800

Re: U.S. stocks in freefall

well, try a little dab on a triscuit or ritz cracker. It worked well at my last cocktail party...
by mcblum
Mon Feb 01, 2016 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: FSA sucessor
Replies: 0
Views: 207

FSA sucessor

My wife will be retiring in October of 2017. She has been contributing to a FSA plan through her private company. With her retirement, the FSA plan
ceases. What would be a good successor to this plan?
thanks, marty
by mcblum
Thu Jan 07, 2016 11:18 am
Forum: Investing - Theory, News & General
Topic: This market looks so bad...
Replies: 9
Views: 2382

Re: This market looks so bad...

This reminds me of something I heard in 1959 called "Merry Minuet" by the Kingston Trio.
Marty
by mcblum
Sun Nov 08, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: Thriller Novels
Replies: 27
Views: 2888

Re: Thriller Novels

How about Alan Furst? The Night Soldiers Series.
Marty
by mcblum
Sat Nov 07, 2015 1:23 pm
Forum: Personal Consumer Issues
Topic: Thriller Novels
Replies: 27
Views: 2888

Re: Thriller Novels

James Lee Burke...
by mcblum
Thu Oct 29, 2015 9:27 am
Forum: Personal Finance (Not Investing)
Topic: withdrawal order
Replies: 16
Views: 1742

withdrawal order

According to the B/H Wiki, the suggested W/D order is: 1st, MRD from Traditional IRA or 401K. then 2nd, Taxable, followed by, 3rd. Roth IRA. I was thinking that, since my Roth is 100% VBILX (Intermediate Bond) which throws off a good amount of interest every year, that I could take that interest, in...
by mcblum
Tue Oct 20, 2015 3:47 pm
Forum: Investing - Theory, News & General
Topic: 401k - how often do you check it?
Replies: 53
Views: 4384

Re: 401k - how often do you check it?

my 401k is run by Merrill-Lynch which is a part of Bank of America. The current figures show up daily on my on-line bank site. I check figures every day
Marty
by mcblum
Wed Sep 23, 2015 9:07 am
Forum: Personal Consumer Issues
Topic: DIY Alarm System for Home
Replies: 22
Views: 2429

Re: DIY Alarm System for Home

terrier...
by mcblum
Mon Sep 07, 2015 7:16 am
Forum: Personal Consumer Issues
Topic: Best Small Purchases (Around the house)
Replies: 133
Views: 16131

Re: Best Small Purchases (Around the house)

SR II wrote earlier about ceiling fans. Put two in upstairs bedrooms 25 years ago. Best small purchase ever.Marty
by mcblum
Sat Aug 29, 2015 2:34 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 48025

Re: Will you buy an Apple Watch?

For keeping time, it could not take the place of my beautiful everyday watch, an Omega SeaMaster. For anything else, my iMac, MacBook Air and IPhone will do. Marty
by mcblum
Sun Jul 26, 2015 12:11 pm
Forum: Investing - Theory, News & General
Topic: Edelman -- best days, worst days
Replies: 26
Views: 2335

Re: Edleman -- best days, worst days

13%!, 13%!. I would be OVERJOYEd with 13%, so I stay in and weather the downturns.
Marty
by mcblum
Wed Jul 01, 2015 5:51 am
Forum: Personal Consumer Issues
Topic: French Presses: Glass Carafes vs. Stainless Steel Presses
Replies: 16
Views: 5171

Re: French Presses: Glass Carafes vs. Stainless Steel Presses

Drop a magnet in your coffee to see if you are picking up anything
by mcblum
Sun Jun 28, 2015 2:09 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 33775

Re: What ratio are you stocks/bonds and how old are you?

I'm 71.5, still working and am at 50/50 . My stock % has drifted a little lower in the past 6 months but not enough to trigger rebalancing.
Marty
by mcblum
Sun Jun 28, 2015 2:01 pm
Forum: Personal Consumer Issues
Topic: can you recommend comfortable walking shoes?
Replies: 48
Views: 8215

Re: can you recommend comfortable walking shoes?

I guess my biggest problem with athletic shoes, in general, is the lack of widths in most brands. I have, therefore, been a New Balance customer and, also, LL Bean for the last few years.
Marty
by mcblum
Sun May 03, 2015 8:05 am
Forum: Personal Consumer Issues
Topic: ala carte Cable
Replies: 4
Views: 608

ala carte Cable

In the past few weeks, I have begun seeing ads and news about a la carte cable where a person/household can choose their channels and pay for only ones they choose. I, like others, have often complained about having to pay for channels I don't want. Is this a coming trend and do other 'Heads have an...
by mcblum
Sat May 02, 2015 6:48 am
Forum: Forum Issues and Administration
Topic: Oh yuck, what just happened to the font?
Replies: 65
Views: 8078

Re: Oh yuck, what just happened to the font?

mine was in Sanscrit.
Whwn you need a Sanscrit/English, Dictionary you can never find one...Marty
by mcblum
Sat Jan 24, 2015 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: rebalancing after an inheritance
Replies: 7
Views: 919

Re: rebalancing after an inheritance

my 401k is 50/50 with the bond component being "SSGA US Bond Index" I could sell some of the other side, a Russell 3000 Stock clone and buy more bonds to balance the whole portfolio.
thanks, Marty
by mcblum
Sat Jan 24, 2015 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: rebalancing after an inheritance
Replies: 7
Views: 919

rebalancing after an inheritance

Hello Everybody; I will, shortly, receive the first part of a modest inheritance which I would like to invest in my portfolio. I'm 71 and will retire in 2.5 years. We are currently in the 25% tax bracket. My 401k and Roth IRA are filled, so the money must go into my taxable which is all in VOO, SP50...
by mcblum
Wed Dec 31, 2014 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: What are your Financial New Year's Resolutions?
Replies: 44
Views: 4139

Re: What are your Financial New Year's Resolutions?

Better DCAing for Roth IRA and Taxable
marty
by mcblum
Sun Dec 28, 2014 2:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 510533

Re: What Movie Have You Recently Watched?

An oldie but goodie Ill Met By Moonlight with Dirk Bogard. This is the story of two British commandos capture of a German general on Crete during WW2
Great!
Marty
by mcblum
Sat Dec 20, 2014 4:25 pm
Forum: Personal Consumer Issues
Topic: Disappointed with sale items
Replies: 22
Views: 3091

Re: Disappointed with sale items

anyone purchase the victorionox INOX watch? What do you think?
Marty
by mcblum
Sun Dec 14, 2014 9:02 am
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 119
Views: 13889

Re: What is the best meal you've had at a restaurant?

Well, historically speaking, Lassiter's Crab House in Chesapeake Beach, Maryland in the summer of 1961 and the four years afterward. Had my first Blue crabs and first pitcher of beer. It was heaven. Then, a steak dinner at Morton's in Dallas,Texas about five years ago. It was fantastic and much bett...
by mcblum
Thu Nov 27, 2014 10:57 am
Forum: Investing - Help with Personal Investments
Topic: How To Invest Your Emergency Fund?
Replies: 98
Views: 22358

Re: How To Invest Your Emergency Fund?

what is an emergency? Everyone has a different idea of "thine ice"
in this order.
credit cards,cash, savings,Sp 500
marty
by mcblum
Thu Nov 20, 2014 5:07 am
Forum: Personal Consumer Issues
Topic: Any Bird Experts?
Replies: 23
Views: 2409

Re: Any Bird Experts?

I got good results by hanging old compact discs by the picture window . It really keeps the bird away. works great in garden,also.
marty
by mcblum
Wed Nov 19, 2014 7:16 am
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 17823

Re: Vanguard launches new offering ... [Vanguard merchandise

The last thing i want is for every body in the world to know where i stash my dough.
marty
by mcblum
Mon Nov 17, 2014 9:23 am
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 65
Views: 10281

Re: Winter Coat

a couple of years ago, i bought a Navy Pea coat at my local surplus store (Bethesda,Md). It was about $75. Warmest thing there is! Only minus: no inside pocket. Can't beat it!
Marty
by mcblum
Fri Nov 14, 2014 6:03 am
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 7302

Re: Your favorite classic toys for kids

Lincoln logs and erector set. if they are still around...
marty
by mcblum
Sun Oct 19, 2014 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: 50/50
Replies: 7
Views: 1326

50/50

Does anyone know of a mutual fund which is carrying 50% Total Stock and 50% Total Bond? I have this AA with Vanguard but would like to have something to check it against.
thanks, marty
by mcblum
Sat Oct 18, 2014 3:04 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2006
Views: 516344

Re: What Book Are You Currently Reading? Part VI

Declare by Tim Power
by mcblum
Tue Oct 14, 2014 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 12408

Re: Relatively new here. What did you do in 2008/09

portfolio down 26% from 2008 to 2009
up 38% from 2009 to 2010
I made no changes. Just hung onto the rail and closed my eyes.
Marty
by mcblum
Fri Oct 10, 2014 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: inheritance
Replies: 5
Views: 1098

Re: inheritance

thanks for your help. I' ll adjust the 401K. In regards to my choice of the 500 over the total market, Just my ignorance...
marty
by mcblum
Fri Oct 10, 2014 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: inheritance
Replies: 5
Views: 1098

inheritance

I will shortly receive a fairly large sum of money which I would like to put in the taxable portion of my portfolio , all in VOO ,The S&P 500. My current AA is almost exactly 50/50. The sudden influx will greatly change my AA. The only way to alleviate this problem would be to sell stock in my 4...
by mcblum
Sat Oct 04, 2014 12:12 pm
Forum: Investing - Theory, News & General
Topic: does anybody out there own a two fund portfolio?
Replies: 14
Views: 2774

Re: does anybody out there own a two fund portfolio?

well, Roth IRA is total bond, total stock
401k is total bond,total stock
emergency fund is S&P 500 ETF
Marty
by mcblum
Thu Sep 25, 2014 3:16 pm
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 167
Views: 18066

Re: AliBaba

So I guess this means that Ali will show up in the S&P 500 and the Russell 3000 i.e. VOO and Total Stock. Right?
by mcblum
Sun Sep 07, 2014 2:41 pm
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 15978

Re: A 'really good book' you did NOT enjoy

anything by Sir Walter Scott: Ivanhoe, etc. Most be the quill pen instead of the keyboard.... long winded!!
Marty
by mcblum
Wed Sep 03, 2014 3:00 pm
Forum: Investing - Theory, News & General
Topic: When to invest in China?
Replies: 51
Views: 5670

Re: When to invest in China?

I prefer Chinette instead. China to brittle....
Marty
by mcblum
Wed Aug 27, 2014 4:10 pm
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 93
Views: 10676

Re: Motif Investing - own the S&P500 for less

I am to lazy for this. To much work!
Marty

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