Search found 346 matches

by nodenuff2
Sat Apr 21, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Home owner's insurance
Replies: 6
Views: 561

Re: Home owner's insurance

Your HO policy has a fraud clause in it. If you misrepresent the actual facts it could void the whole policy. Has it renewed since the couple moved in? If it has then you should immediately inform your company and or agent. You really have a multi family dwelling . It needs to be rated that way by t...
by nodenuff2
Mon Apr 09, 2018 10:05 pm
Forum: Investing - Theory, News & General
Topic: Why not annuitize most of portfolio?
Replies: 104
Views: 8038

Re: Why not annuitize most of portfolio?

When faced with this decision we like dknightd annuitized about 30% of our total retirement assets to create a floor we could years in.
by nodenuff2
Mon Mar 26, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: Savannah or Charleston?
Replies: 49
Views: 4060

Re: Savannah or Charleston?

Just got back from one week at both locations. Must say Savannah was much more of a party town. Was there the week before St Patrick’s Day. Azaleas were beautiful in Charleston at the Magnolia gardens. In my opinion a must see there. Also toured the Charleston Tea Plantation . Good food everywhere. ...
by nodenuff2
Mon Feb 26, 2018 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Added Cash upsets my AA
Replies: 10
Views: 740

Re: Added Cash upsets my AA

Would it make since to put stocks in your 401k and bonds in your taxable account? Also suggest considering doing some ROTH conversions . Good problem to have.
by nodenuff2
Mon Feb 26, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37337

Re: What UN-frugal thing do you do?

We have an addiction that would consume us if we are not very careful. We both show horses competitively. I will not let my wife tell me exactly what we spend each year on them. If I knew the fun would be gone for me.
by nodenuff2
Sat Feb 24, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Ethics of selling a used car
Replies: 54
Views: 4131

Re: Ethics of selling a used car

I agree with Wainward treat the buyer as you would wan to be treated.
by nodenuff2
Sat Feb 17, 2018 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Timber
Replies: 37
Views: 2850

Re: Selling Timber

Consider Retaining a forester to handle the sale. He will market your timber to get you the right price. He will keep you,from getting taken advantage of. Of course you have to find one that is honest. Make sure you get a contract that addresses land damages.
by nodenuff2
Sat Feb 17, 2018 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 11451

Re: I'm Cancelling My Home Insurance

While working I went to the scene ofhunreds of total fire losses not once did anyone say to me “I can’t believe I wasted all that money on insurance premiums.” Did talk to one lady that canceled her coverage 2 weeks before the fire because she thought the premium was too high. She hired a lawyer to ...
by nodenuff2
Thu Feb 15, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 99
Views: 7132

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

Ok so you would be ok without it. But it also covers others in your vehicles. For example grand children,friends,your mother. This coverage stands in the place of someone else’s coverage. You carry big limits to protect you from others in case you are at fault but don’t want to give the same protect...
by nodenuff2
Sat Feb 10, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring soon.....401K vs rollover to IRA?
Replies: 16
Views: 1083

Re: Retiring soon.....401K vs rollover to IRA?

When I retired my company had no Vanguard funds so I moved my 401k to Vanguard. Now they have large selection of Vanguard funds so if I was retiring now I would probably stay with the 401k.
by nodenuff2
Sat Feb 10, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody hit their rebalance bands?
Replies: 20
Views: 1256

Re: Anybody hit their rebalance bands?

I rebalanced late December nowhere near needing to again.
by nodenuff2
Wed Feb 07, 2018 10:47 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 190
Views: 34828

Re: What's your U.S. : International ratio?

80.9 to 19.1 Vtsax to Vtiax just looked .
by nodenuff2
Wed Feb 07, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5429

Re: What time do you go to work?

When I did work always before 7 home by 6 but had a 5minute commute. Whenever I want to now as I have now retired.
by nodenuff2
Wed Feb 07, 2018 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Why does my wife have this portfolio?
Replies: 32
Views: 3885

Re: Why does my wife have this portfolio?

Start by asking her how many years she intends for this money to last. Then if it is like 20 years say that over time that is the percentage of her money give to the adviser . Would she pay that one time to have him manage her money forever?
by nodenuff2
Tue Feb 06, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: Being a Disciplined Investor - How do you avoid temptations?
Replies: 41
Views: 2851

Re: Being a Disciplined Investor - How do you avoid temptations?

Well we inherited some Brk-b but that really is almost a mutual fund. So from my smarter than the market days I keep a minute bit of Citi just so to remind myself how stupid I was. Not a bad investment now bought it before the reverse split and it took years to get me even.
by nodenuff2
Tue Feb 06, 2018 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Older Couple Preparing for Retirement Needs Help
Replies: 8
Views: 1887

Re: Older Couple Preparing for Retirement Needs Help

Looks like they have let their advisor have too much influence or control. They need to take the time to educate themselves quickly. Strart by reading Bogleheads guide to investing/retirement. There are many decisions they will be making soon. Still time left learn. Vanguard would love to help them.
by nodenuff2
Tue Feb 06, 2018 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Stay the course?
Replies: 65
Views: 7346

Re: Stay the course?

It was scary that October but recovered nicely before years end. But that 25% day was wild. Do I recall brokers actually committing suicide? I was taking a grad level economics class even the professor was shook that Tuesday night for class.
by nodenuff2
Tue Feb 06, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Stay the course?
Replies: 65
Views: 7346

Re: Stay the course?

This market has a certain feel to it. Kinda like 1987. The sky is not falling!
by nodenuff2
Mon Feb 05, 2018 7:48 pm
Forum: Investing - Theory, News & General
Topic: RBD alert [Really Bad Day]
Replies: 86
Views: 10404

Re: RBD alert [Really Bad Day]

Just checked my bands . Nope no changes needed. Yawn.
by nodenuff2
Mon Feb 05, 2018 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Retired or close to it -- what do you hold in bond portion?
Replies: 41
Views: 4228

Re: Retired or close to it -- what do you hold in bond portion?

50/40/10 stocks bonds cash . Bond includes Totalbond fund and US Treasuries.
by nodenuff2
Sat Feb 03, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: A bed time story for a RBD
Replies: 9
Views: 1783

Re: A bed time story for a RBD

Sarge sent you a private message.
by nodenuff2
Sat Feb 03, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: A bed time story for a RBD
Replies: 9
Views: 1783

Re: A bed time story for a RBD

There is a lot of negativity on the board just trying to ease some concerns.
by nodenuff2
Fri Feb 02, 2018 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: A bed time story for a RBD
Replies: 9
Views: 1783

Re: A bed time story for a RBD

So I thought some newcomers might need this today. Currently at 135k. Please read this and stay the course. ‘87, 2000, 2008-9 no change. Time in the market.
by nodenuff2
Wed Jan 24, 2018 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 6274

Re: Your bond allocation when you were 48

20 years ago I was ignorant and didn’t know it but I was trying to accumulate so I was 100% stock but at least it was in funds. So glad I learned better. Currently 50/40 10.
by nodenuff2
Mon Jan 08, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 20514

Re: Anyone disenchanted with retirement?

Well its been 4 years for me. Tried a little consulting the first year but really didn’t enjoy it. We have spent a little more than we anticipated but Mr. Market has also been kind. Still are positive it was the right time . Money has grown slightly so we have more than we started with. Life is good...
by nodenuff2
Mon Jan 08, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation for large sum
Replies: 35
Views: 2450

Re: Asset allocation for large sum

My guess is that you are 50ish and think that if you blow this you will never be able to retire. So if you are not going to read and educate yourself here are my suggestions on what to do with your money 1/2 in Life strategy income fund VASIX and half in the Wellesley income fund VWINX . This will g...
by nodenuff2
Sun Jan 07, 2018 3:23 pm
Forum: Investing - Theory, News & General
Topic: Memo to those who have won the game: it's time to quit playing
Replies: 211
Views: 19810

Re: Memo to those who have won the game: it's time to quit playing

Retired 4 years ago my AA is 45/45/10. Just before the year end we reached a rebalancing point for the second time last year. I’ll continue to rebalance until my kids tell me I’m slipping mentally. My ISP will tell them what to do after that.
by nodenuff2
Thu Jan 04, 2018 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Recommend Vanguard fund(s) for new Roth IRA 25 year horizon
Replies: 1
Views: 203

Re: Recommend Vanguard fund(s) for new Roth IRA 25 year horizon

Vtwsx total world including US 55% covers the entire market. Come back in 25 years and be amazed.
by nodenuff2
Wed Jan 03, 2018 6:18 pm
Forum: Investing - Theory, News & General
Topic: Did everyone in the early 80s have their money in CDs?
Replies: 77
Views: 6442

Re: Did everyone in the early 80s have their money in CDs?

1982 put 25k in a Bank cd for 2.5 years at 16% interest . Easiest 10k I ever made . Called my dad and he put in a bunch (whatever a bunch was in 1982) Never did get him to admit how much a bunch was. Old timers did not tell their kids their business back then.
by nodenuff2
Mon Dec 25, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Car Accident Insurance Question
Replies: 12
Views: 1134

Re: Car Accident Insurance Question

If you don’t have a police report get one immediately. Do you have an estimate from a reliable body shop? If you don’t have collision coverage then you need the body shop to tell you if your vehicle is worth repairing. If you do have collision coverage tell your insurer to handle this for you. Conta...
by nodenuff2
Sun Dec 24, 2017 11:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present to You
Replies: 90
Views: 8742

Re: My Christmas Present to You

Thank you Mr. Larrimore for you and your generation’s self sacrifice. May it never be forgotten.
by nodenuff2
Sun Dec 24, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Payments (MedPay) Coverage on Auto Policy
Replies: 13
Views: 1014

Re: Medical Payments (MedPay) Coverage on Auto Policy

Everybody in your car gets the medical payments even your mother in law. No questions asked. Your children’s friends and your golfing buddies also. Good coverage for the cost. Keep it.
by nodenuff2
Tue Dec 19, 2017 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Best online, real time tracker to watch my portfolio
Replies: 25
Views: 2074

Re: Best online, real time tracker to watch my portfolio

Best advice I can give you is to quit obsessing over daily movements.
by nodenuff2
Thu Dec 14, 2017 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Starting my investing journey - your advice
Replies: 13
Views: 1052

Re: Starting my investing journey - your advice

Young man someone sacrificed so,you would be in the position you are keep that in mind. That being said I,would take a conservative approach. Maybe half in your stock choices and the other half in CDs of short to intermediate length.
by nodenuff2
Thu Dec 14, 2017 9:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: @@Happy Holidays Bogleheads. How others here helped you?
Replies: 49
Views: 4331

Re: Holiday thanks to Bogleheads. How have they helped you?

I have learned so much from so many it would be impossible to thank each individual. So thanks to everyone who posts a response to help a newbie, encourage a late comer or asks a relevant question. I don’t post unless I think I can add something but often contemplate what has been said.
by nodenuff2
Thu Dec 14, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: What are your favorite tax deductions and credits for 2017?
Replies: 33
Views: 2401

Re: What are your favorite tax deductions and credits for 2017?

By far and away my favorite deduction will be the charitable donation deduction. When the year is over giving just encourages more giving.
by nodenuff2
Thu Dec 07, 2017 11:15 pm
Forum: Investing - Theory, News & General
Topic: National Pearl Harbor Remembrance Day
Replies: 19
Views: 1253

Re: National Pearl Harbor Remembrance Day

Thanks Mr.Larimore for remembering. My dad was there. A welder in sub repair shops. Saw way too much for a young man. My hero! As was all of his generation.
by nodenuff2
Fri Nov 10, 2017 8:58 pm
Forum: Investing - Theory, News & General
Topic: Do you keep anything in your portfolio as a monument to your bad decisions?
Replies: 69
Views: 5556

Re: Do you keep anything in your portfolio as a monument to your bad decisions?

I bought 1500 shares of C (citi) at 4.98 . It was about 3 months later it did the unthinkable a reverse share split. It has recovered some will never return o the levels of 07-09 pre crash. I keep it even though now I have a little profit as a reminder .
by nodenuff2
Sun Nov 05, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 42
Views: 3569

Re: Heavy duty cordless drill/hammerdrill recommendation

I really have been satisfied with the performance of my Hitachi cordless tolls.
by nodenuff2
Thu Nov 02, 2017 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Uninsured motorist coverage on umbrella
Replies: 15
Views: 1353

Re: Uninsured motorist coverage on umbrella

I worked as the exact opposite of what a personal injury lawyer does for a long time managing litigation and resolving bad situations. If a drunk driver swerves into your lane causing you life changing injury such as a brain injury or paraplegic injury or worse to your child. Then your medical insur...
by nodenuff2
Wed Nov 01, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Uninsured motorist coverage on umbrella
Replies: 15
Views: 1353

Re: Uninsured motorist coverage on umbrella

Um coverage is for the folks in your car! If 1 million is enough coverage for the folks that regularly ride in your vehicles then no do not add it but if you think they are worth 2 million then pay the 400 bucks to endorse the Umbrella for the extra coverage. Umbrella insurance is for really bad cat...
by nodenuff2
Tue Oct 24, 2017 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Can one have too much money in tax-deferred
Replies: 128
Views: 12922

Re: Can one have too much money in tax-deferred

When working I put all my savings into a 401K for 32 years at the same time I was participating in a defined benefit plan. When I retired I took a percentage of the value of the dbp as a lump sum and rolled into a Vanguard IRA with my 401K also. As a result we now have my SS DW SS a pension and head...
by nodenuff2
Wed Oct 11, 2017 10:18 pm
Forum: Investing - Theory, News & General
Topic: 10 year anniversary of the beginning of the Great Recession
Replies: 45
Views: 4936

Re: 10 year anniversary of the beginning of the Great Recession

I was 58 and looking forward to a comfortable retirement. At the bottom I apologized to my wife for the 50% loss in my 401k and our Ira's. Had open heart surgery that following year but stayed the course 100 equity until I turned 62 then started on a glide path towards 50/40/10 . Market was very goo...
by nodenuff2
Sun Sep 24, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 9794

Re: Age you retired

Retired after 42 years with the same company unheard of in today's environment. Been retired 4 years no going back. 64 when I left.
by nodenuff2
Sat Jul 08, 2017 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone use ANNUITIES for SOME of their retirement funds?
Replies: 61
Views: 5015

Re: Does anyone use ANNUITIES for SOME of their retirement funds?

When I retired I had the option to lump sum my defined benefit plan. I took 40% as an annuity the rebalance as a lump. Longevity runs in my wife's family . She had been SHM so I wanted to create an income stream for her in case I go early. 3+ 1/2 years into it I have no regrets. That and my social s...
by nodenuff2
Tue Jun 06, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: Trailer Towing Tidbits? [and epilogue]
Replies: 52
Views: 4044

Re: Trailer Towing Tidbits?

Don't leave home without a spare and the tools needed to change it. You can't depend on trailer rental company for timely service often it is the next day. The calvery is not coming to your rescue. Make sure you check the bearings on the wheels or have a competent person todo it for you . Check the ...
by nodenuff2
Fri May 05, 2017 11:48 pm
Forum: Personal Consumer Issues
Topic: Road trip to western states
Replies: 38
Views: 2726

Re: Road trip to western states

Independence rock in Wy. Is of historical importance for the way to the west. Mailboat on Lake Chelan Washington is by far the most beautiful ferry boat ride in America 2 offbeat ideas for you to consider
by nodenuff2
Fri May 05, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: Tips From Older Bogleheads?
Replies: 52
Views: 5853

Re: Tips From Older Bogleheads?

Save in 3 vehicles 1. Tira 2. Roth IRA 3. Taxable . We put all into a Tira as a Roth came late n our investing life. Should have saved more in taxable.