Search found 457 matches

by mcblum
Fri Nov 24, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2687
Views: 862432

Re: What Book Are You Currently Reading? Part VI

thanks. I've read Ill met by Moonlight. Not a bad movie, either. Dirk Bogarde if i'm not mistaken.
Marty
by mcblum
Fri Nov 24, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2687
Views: 862432

Re: What Book Are You Currently Reading? Part VI

Patrick Leigh Fermor's Time of Gifts. This is the first volume of his trilogy, the 1933 walk across Europe at 18 years of age.
Fermor became a war hero when his team of SOE operatives captured a German general in Crete and, despite hot pursuit, spirited him to Alexandria, Egypt. Great read!
marty
by mcblum
Fri Nov 10, 2017 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 37770

Re: Did you tell anyone you paid off your mortgage?

We paid off our mortgage about three years early. It was one of our goals prior to retiring. I remember telling everyone I knew about it. I was congratulated by all. That was two years ago. I don't mention it any more as it is old news.
Marty
by mcblum
Mon Nov 06, 2017 11:08 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 279
Views: 38607

Re: Roll Call for the Retirement Class of 2017!

Both of us went out on September 29th of this year. My last year was good; no problems. I trained a successor but wanted more time to do it. Anyway, I had planned for this event for thirty years, and have met every goal that I set. I have not felt this good, mentally, since the mid '60s. My best to ...
by mcblum
Mon Oct 02, 2017 6:03 am
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 15749

Re: Why do you LBYM? Why do you save and invest?

Wife and I just retired on 9/29. LBYM and Long term investment were a means to smooth out the peaks and valleys in our lives.
Marty
by mcblum
Sun Sep 03, 2017 7:24 am
Forum: Investing - Theory, News & General
Topic: [Bitcoin] question
Replies: 131
Views: 11278

Re: [Bitcoin] question

My brother asked me if i knew anything about bit coins and i told him i was hazy about the term. I looked it up on Wickipedia, read the long article three times and still did not understand it. Seems like rank speculation in something with no real value or use. Even gold is better. I try to learn ab...
by mcblum
Sat Sep 02, 2017 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Financial reading website with regular updates
Replies: 19
Views: 4582

Re: Financial reading website with regular updates

This site is, hands down, the BEST investment/retirement site i have found. I also use Morningstar for technical purposes (daily index numbers) and to read some of the editors general comments. I used to get some of the mutual fund mags, but stopped when i saw they were repeating themselves over and...
by mcblum
Sat Sep 02, 2017 6:43 am
Forum: Investing - Theory, News & General
Topic: Do you reinvest your dividends/capital gains?
Replies: 76
Views: 9514

Re: Do you reinvest your dividends/capital gains?

Wife and I are retiring at end of September. We are both going to take dividends from Roth IRA (both VBILX/intermediate bond fund) in cash. Principle will stay same ; less will be taken out of taxable and RMD as usual.
Marty
by mcblum
Mon Jul 10, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 8861

Re: how to destroy hard disk with personal info

ball peen hammer...
by mcblum
Tue Apr 25, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: DIY Yard Tick Spray?
Replies: 32
Views: 2311

Re: DIY Yard Tick Spray?

Whats amazing is that you can get a Lyme vac for your dog but not for yourself. marty
by mcblum
Fri Mar 10, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: cost of Solar Power
Replies: 99
Views: 8780

Re: cost of Solar Power

thanks. That's a shocker, I had no idea it was that expensive.
Marty
by mcblum
Fri Mar 10, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: cost of Solar Power
Replies: 99
Views: 8780

cost of Solar Power

We have a townhouse in Montgomery county ,Maryland. I am interested in what the cost would be to install solar panels. I don't want to go to a solar web site before I know the ball park figure.
Can someone help? Thanks, Marty
by mcblum
Sun Mar 05, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Downsides to Living in Same Neighborhood Entire Life?
Replies: 17
Views: 2288

Re: Downsides to Living in Same Neighborhood Entire Life?

I was born in Washington,DC in 1943. My parents made the big move to the suburbs in 1947. Silver Spring was the frontier back then. They spent the rest of their lives in an area of about 1/2 miles-three different houses. Though they traveled all over this country and the world, they always came back...
by mcblum
Fri Feb 10, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 422502

Re: What's Your Credit Card Rewards Strategy?

Nothing. Stay out of debt. Use cards as little as possible. Pay of immediately.
by mcblum
Sat Feb 04, 2017 7:26 am
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 326
Views: 54400

Re: Any books really change your outlook on life?

these two books have made me what I am. Read at a very young age; I don't know if you can find them today.

Hendryk Van Loon "The Story of Mankind"

Paul De Kruff :Microbe Hunters"

Marty
by mcblum
Fri Feb 03, 2017 10:58 am
Forum: Investing - Theory, News & General
Topic: Calculating returns
Replies: 5
Views: 608

Re: Calculating returns

if i have more at the end of the year than at the beginning, I'm happy....
by mcblum
Mon Jan 23, 2017 10:28 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 279
Views: 38607

Re: Roll Call for the Retirement Class of 2017!

wife and i are going out on October 1st/2017
Marty
by mcblum
Tue Jan 17, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: mirror image of VBINX
Replies: 6
Views: 549

Re: mirror image of VBINX

thanks to all. Marty
by mcblum
Tue Jan 17, 2017 6:56 am
Forum: Investing - Help with Personal Investments
Topic: mirror image of VBINX
Replies: 6
Views: 549

mirror image of VBINX

I'll be retiring on October 1st of this year and need a mirror image of the Vanguard Balanced Fund (VBINX)
Something with 40% Stock and 60% Bonds. Wellesley is okay but with to few stocks. Any suggestions?
thanks, marty
by mcblum
Fri Jan 13, 2017 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 158
Views: 21718

Re: Best Financial Moves You've Made

selling my college class ring and buying my 1st mutual fund in 1991.
marty
by mcblum
Tue Dec 27, 2016 2:40 pm
Forum: Personal Consumer Issues
Topic: Study Table for kids
Replies: 16
Views: 1170

Re: Study Table for kids

Buy a door made from Luan Mahogany and four screw-on legs. Good to go!
Marty
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: 46
Views: 6897

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: 104
Views: 8555

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: 217
Views: 154469

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: 217
Views: 154469

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: 55
Views: 7407

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: 10061

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: 2067

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: 2687
Views: 862432

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: 14329

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: 7195

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: 7714

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: 16308

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: 8134

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: 4184
Views: 1117530

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: 241

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: 2549

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: 3396

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: 3396

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: 2010

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: 5294

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: 2782

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: 18092

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: 55448

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: 2537

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: 7748

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: 38466

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: 11583

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: 666

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: 8760

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