Search found 114 matches

by ByThePond
Wed Jan 16, 2019 4:00 pm
Forum: Personal Consumer Issues
Topic: Violin beginner tries an Irish tune, comments welcome
Replies: 8
Views: 789

Re: Violin beginner tries an Irish tune, comments welcome

Very nice. You should be quite happy with the improvement.
Except for the one note "noted", it was perfect. :beer <--- Guinness
by ByThePond
Wed Jan 16, 2019 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Ever encountered a toxic advisor? How did you handle it?
Replies: 25
Views: 3057

Re: Ever encountered a toxic advisor? How did you handle it?

Long ago, when I was only semi-Bogleheadish, I let family members talk me into investing some money with their advisor at Ameriprise. After a while, it was clear that my own Bogleheadish investments were consistently doing better, and I began to question the advisor more closely on her advice. At on...
by ByThePond
Wed Jan 16, 2019 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Calculating basis of TIAA annuity payments for state taxes
Replies: 0
Views: 92

Calculating basis of TIAA annuity payments for state taxes

Hi all, This is a new situation for me, and I can't find an answer by searching. In 2018 I began receiving annuity payments from TIAA on an account that was fully funded with tax deferred money, rolled into an ira and then annuitized. Clearly I'll pay fed taxes on the full distribution, but my state...
by ByThePond
Tue Jan 15, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: downspout extension part
Replies: 7
Views: 847

Re: downspout extension part

Thank you. I followed the link and also looked at b style elbows on the web. If I am visualizing them correctly they go off at 90 degrees so they would be dumping water at the foundation, when what I need is something that goes off at 45 degrees. No. The item I linked _IS_ a 45 degree flat elbow, a...
by ByThePond
Tue Jan 15, 2019 7:57 am
Forum: Personal Consumer Issues
Topic: Winter boot recommendation
Replies: 34
Views: 3326

Re: Winter boot recommendation

Another vote for L. L. Bean's boots, especially the fleece lined types. Cozy warm and wearable all day. They now have more styles than they used to.
by ByThePond
Tue Jan 15, 2019 7:41 am
Forum: Personal Consumer Issues
Topic: downspout extension part
Replies: 7
Views: 847

Re: downspout extension part

I'm pretty sure they make a 45 degree elbow joint that has the angle in the flatter dimension of the piece. You could then insert one ahead of the horizontal piece of your downspout. Like this: https://www.lowes.com/pd/Amerimax-4-1875-in-White-Aluminum-Side-Elbow/3709930?cm_mmc=SCE_PLA-_-LumberAndBu...
by ByThePond
Sun Jan 13, 2019 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion
Replies: 36
Views: 2945

Re: Roth conversion

Yes. Just started this year with a $30k conversion. The goal is to completely empty out the remainder of my tax deferred acct by age 70, during the time that DW's RMDs begin. Like many here, we had a lot of our portfolio in tax deferred accts. ACA and IRMAA are not issues. I also purchased a large S...
by ByThePond
Wed Jan 09, 2019 6:37 pm
Forum: Personal Consumer Issues
Topic: Balsam Hill - Defective Christmas Tree
Replies: 66
Views: 2769

Re: Balsam Hill - Defective Christmas Tree

We liked the look of these trees enough to buy one a couple of years ago. The light controller system was inoperable, and the tree was returned for a replacement. The second one appeared to have been already returned by someone else, and had different electrical problems. At that point, we requested...
by ByThePond
Thu Dec 27, 2018 6:13 pm
Forum: Investing - Theory, News & General
Topic: What was your best investment in 2018?
Replies: 127
Views: 7246

Re: What was your best investment in 2018?

Negotiating a buyout package from my employer and purchasing a TIAA SPIA. Market gyrations are pretty low on my angst list now.
by ByThePond
Mon Dec 24, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: Who says the Large Hadron Collider had no effect?
Replies: 43
Views: 7900

Re: Who says the Large Hadron Collider had no effect?

JustAsking wrote:
Mon Dec 24, 2018 11:35 am
An analemma is like a small wildebeest, but without the horns?
No. It's obviously the refutation of a mathematical proof.
by ByThePond
Sat Dec 22, 2018 9:35 pm
Forum: Investing - Theory, News & General
Topic: Roth conversion: designating tax source in Vanguard?
Replies: 7
Views: 316

Re: Roth conversion: designating tax source in Vanguard?

Is that a tiny portion of your income or a significant addition to your income? Will your withholding from other sources cover most or all of your taxes on the conversion? If not, you probably need to look into how to pay estimated taxes. Also look into the "safe harbor" rules from the IRS. If you ...
by ByThePond
Sat Dec 22, 2018 8:45 pm
Forum: Investing - Theory, News & General
Topic: Roth conversion: designating tax source in Vanguard?
Replies: 7
Views: 316

Re: Roth conversion: designating tax source in Vanguard?

Agree. The only way Vanguard could withhold for taxes is withholding part of your conversion. Don't do that if you have a choice. Don't choose to do it if you are under 59.5. If it is a very large conversion, consider if you need to make an estimated tax payment. I'm good on the outside funding and...
by ByThePond
Sat Dec 22, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: Roth conversion: designating tax source in Vanguard?
Replies: 7
Views: 316

Re: Roth conversion: designating tax source in Vanguard?

You can only have vanguard take taxes from the trad Ira. In the case if Roth conversions, you lose the major advantage if you have the taxes withheld. Set it to have zero taxes withheld, then pay the taxes from your taxable accounts at tax time or by paying estimated taxes. Thanks for clarifying. Y...
by ByThePond
Sat Dec 22, 2018 8:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present To You
Replies: 108
Views: 11195

Re: My Christmas Present To You

Mr. Larimore, Thank you for your service then and now on this forum.

There's a reason your cohort is called "the greatest generation". It's a tough act to follow.

Merry Christmas, and may your cruise bring closure, comfort and balance.
by ByThePond
Sat Dec 22, 2018 8:11 pm
Forum: Investing - Theory, News & General
Topic: Roth conversion: designating tax source in Vanguard?
Replies: 7
Views: 316

Roth conversion: designating tax source in Vanguard?

I'm considering a partial conversion of a t-ira into an existing Roth account for the first time. I can see in Vanguard how to designate the source and target accounts, but I can't figure out how to designate my taxable account as the source of taxes due. Can't find the "how to" online, either. Coul...
by ByThePond
Wed Dec 19, 2018 6:28 pm
Forum: Investing - Theory, News & General
Topic: Why did you decide to change your asset allocation?
Replies: 45
Views: 1985

Re: Why did you decide to change your asset allocation?

Two reasons: nearing retirement and reaching my number. I was securely employed and at 100% equities til about 2 or 3 years before retiring but am now retired and in the 60/40 range. I also recently purchased a SPIA to establish a firmer income floor, so one might consider my AA even less exposed to...
by ByThePond
Wed Nov 07, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Best strategy basement mold
Replies: 27
Views: 2359

Re: Best strategy basement mold

I second the use of quaternary ammonium compounds like benzylkonium chloride as a mold/mildewcide. It's a very effective, all-purpose sanitizer that's widely used in food processing equipment, water systems and swimming pools . That as a cleaning agent and a dehumidifier should handle most situations.
by ByThePond
Sun Nov 04, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4196

Re: Mice

mickeyd wrote:
Sun Nov 04, 2018 5:07 pm
My cat send this suggestion:

"Love to eat them mousies! Mousies what I love to eat-- Bite they little heads off-- nibble on they tiny feet!"
My favourite Kliban Cat tee shirt.

BTW, we use house cats, Victory snap traps, and a local fox to keep the mice population down.
by ByThePond
Sun Oct 14, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 5939

Re: Have you annuitized some of your money?

I'm in the process of annuitizing right now. I'm moving a substantial amount, 40%+/-, from a Vanguard tIRA into TIAA to augment my 403-b there. The annuity, with DW's modest SS, will cover our baseline expenses until I claim SS at age 70. We like this for two reasons: the SWAN effect of matched liab...
by ByThePond
Sat Sep 22, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: How did you decide when to retire?
Replies: 54
Views: 8376

Re: How did you decide when to retire?

I'm in the process of retiring from academia. I guess now that it's September and I'm not actually working, I might as well consider myself officially retired. Financial independence came several years back, but I loved my job and the people I worked with, and the money was good to boot. What prompt...
by ByThePond
Sun Sep 16, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: delaying claiming SS from age 64 to 70 while not working
Replies: 21
Views: 1655

Re: delaying claiming SS from age 64 to 70 while not working

Thanks to all who replied with helpful answers.
I was pretty sure such was the case, but didn't want to leave it to guesswork, and finding a definitive answer puts my mind at ease.
by ByThePond
Sun Sep 16, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: delaying claiming SS from age 64 to 70 while not working
Replies: 21
Views: 1655

Re: delaying claiming SS from age 64 to 70 while not working

AlphaLess,

Thanks. That's exactly what I needed to know. :beer
Thanks also to FiveK.

And, yes, my FRA is _exactly_ 66.
by ByThePond
Sun Sep 16, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: delaying claiming SS from age 64 to 70 while not working
Replies: 21
Views: 1655

Re: delaying claiming SS from age 64 to 70 while not working

Thanks, but the link goes to a logged out site, and it appears that the main site requires an account.
by ByThePond
Sun Sep 16, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: delaying claiming SS from age 64 to 70 while not working
Replies: 21
Views: 1655

delaying claiming SS from age 64 to 70 while not working

Hi all, I'll be retiring this year at age 64, two years before FRA of 66. I have calculated my possible benefits at 64, but can't pin down what they would be if I didn't claim until age 70. I have tried the SSA online benefits calculator, but still don't know something. My question is, will the 8% a...
by ByThePond
Mon Sep 03, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: Wet & Forget for roof algae?
Replies: 13
Views: 1911

Re: Wet & Forget for roof algae?

For a less expensive equivalent, I use pool algaecide, which is 50% or 60% benzalkonium chloride, and dilute it to 10% with water. Same application rate as Wet & forget. I just used it to forestall a mold outbreak on wallboard.The generic stuff from a local source is fine. You might be able to save ...
by ByThePond
Sun Aug 26, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Best ultra thin pocket knife?
Replies: 54
Views: 3683

Re: Best ultra thin pocket knife?

Mercator (Otter) k55k . One good-sized locking blade, folded metal handle, lanyard loop. Available in traditional carbon or stainless steels, even with a stainless frame. Been around since Kaiser Wilhelm, in widespread use in Germany. It's between 6 - 7 mm in thickness. I've carried several of these...
by ByThePond
Thu Aug 16, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 137
Views: 18781

Re: Teachers Who Have Net Worth of $1 million +

Retired now with a NW in the low 7 figures. ( Private school teacher, no pensions involved, no large inheritances, HCOL area) How'd that happen? We did it by LB(our)M, payroll deductions to the max, not buying too much house etc., using TIAA and Vanguard index funds, 100% equities during the Great R...
by ByThePond
Sun Jul 29, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Retirees: how much cash?
Replies: 61
Views: 6923

Re: Retirees: how much cash?

Just retiring at 63/67, and holding 5% as true cash in savings acct.
That represents about 4 years of our expected net expenses.
It might be a bit high a percentage, but it lets DW sleep well at night, and if Mama's happy...
by ByThePond
Wed Jun 20, 2018 7:17 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 18835

Re: Life in retirement - what did you do today?

Retired a scant 2 weeks, but familiar with having summers free. I think that will ease the transition. A typical day starts with me looking at the alarm clock which is still set at 5am, and smiling 'cause I know it won't be going off. After decades of heeding its call, it's a pleasure knowing I can ...
by ByThePond
Tue May 08, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 3173

Re: Happy 89th birthday to Bogle

Happy Birthday, Mr. Bogle.

Thank you for enlightening us, helping us, and teaching us.

When I contemplate what it means to have a life well spent, in the service of others, you will come to mind.
by ByThePond
Mon May 07, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 7206

Re: When to buy new underwear?

Most recently, when a deer ran out in front of my car and did $3200 in damage. You should have seen the skidmarks.
by ByThePond
Thu Apr 19, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: I want to pay off my mortgage. Am I crazy?
Replies: 54
Views: 6663

Re: I want to pay off my mortgage. Am I crazy?

[/quote] Does the pleasure pass, or is there initial excitement and then just onto the next thing? [/quote] We paid off our remaining few years' mtg back in 2007. Guess how we felt going through the great recession? To this day, we still feel good about being entirely debt free. Was it the best fina...
by ByThePond
Wed Apr 11, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: recommend a light box
Replies: 15
Views: 1622

Re: recommend a light box

If you mean a S. A. D. light box, then I've been very happy using a goLITE from Phillips. (pun intended)
by ByThePond
Wed Feb 28, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: A Cathartic experience... what have you done to become mentally prepared?
Replies: 14
Views: 2600

Re: A Cathartic experience... what have you done to become mentally prepared?

What do you do to feel good about your plan (i.e. minimize worry)? I'm within a few months of getting off the treadmill. Just signed the paperwork the other day. Like yourself, I felt just a bit uncertain about it, but a few things helped: 1) running every planner possible, in various modes and for...
by ByThePond
Thu Feb 01, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off future DIL's school loans?
Replies: 27
Views: 1977

Re: Pay off future DIL's school loans?

forgeblast wrote:
Thu Feb 01, 2018 11:37 am
My gut feeling is wait and see. It would be one heck of a wedding gift.
^This
by ByThePond
Thu Jan 25, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 7947

Re: Your bond allocation when you were 48

100/0 until age 62, now 60/40
by ByThePond
Thu Jan 18, 2018 3:44 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing in last 12 months
Replies: 19
Views: 1828

Re: Rebalancing in last 12 months

Not rebalancing per se, but taking a less aggressive AA as retirement approaches. I went from 100/0 to 60/40 in two steps in the last 7 months. I admit that the decision was helped along by recent market strength, though.
by ByThePond
Fri Jan 12, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 8252

Re: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??

I was comfortable at 100% VTSAX for many years, even through 2008, until I got to a year out from retirement, at age 62. Now 60/40 at age 63.
Figured I'd "won the game" and could back off a bit.
by ByThePond
Sat Jan 06, 2018 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA traditional is compounded daily, but not at the displayed crediting rate
Replies: 26
Views: 1544

Re: TIAA traditional is simple interest, not compounded

I don't think I ever expected compounding. Sorry to see it confirmed, though.
by ByThePond
Sat Dec 30, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: So, how was the year ? Gains made and Lessons learnt ?
Replies: 76
Views: 8106

Re: So, how was the year ? Gains made and Lessons learnt ?

2017 may have moved up my retirement date by a couple of years. Total portfolio is up over 250k, even as it dropped from 100% equities to 60%. DW commented that she never thought we'd HAVE that amount, much less gain it in one year. Lessons learned? Having a reliable spouse is paramount to these res...
by ByThePond
Sat Dec 09, 2017 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: At what age your investments start making more money than you?
Replies: 107
Views: 9471

Re: At what age your investments start making more money than you?

Age 55, and every year since, I think, mostly due to a high savings rate and 100% equities til recently. This year, "earnings" will likely exceed 250% our combined, 6-figure gross. :beer
by ByThePond
Sun Nov 12, 2017 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 44736

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

Mortgage-burning parties were a long-established custom, and a reason for celebration of someone's good luck or achievement. Not much different from celebrating a wedding, birth or other joyous landmark in life. I don't know when they fell out of favor, but you don't hear them much anymore. Not PC?...
by ByThePond
Sun Nov 12, 2017 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 44736

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

Are you serious? Mortgage-burning parties were a long-established custom, and a reason for celebration of someone's good luck or achievement. Not much different from celebrating a wedding, birth or other joyous landmark in life. I don't know when they fell out of favor, but you don't hear them much...
by ByThePond
Fri Oct 20, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Questions
Replies: 13
Views: 1636

Re: TIAA Questions

Just pick the version with the lower ER as both are equity index. In the long run, I believe the difference of performances between Russell 3000 and TSM is negligible. Agree. I have both Vanguard Total Stock Index, VTSAX, and CREF Equity Index acct, QCEQRX. They perform nearly identically, both lik...
by ByThePond
Sun Oct 15, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 10337

Re: What are you driving? And would you buy your current ride again?

2010 Subaru Forester and 2015 Subaru Forester. These are our 4th and 5th Foresters, so, yes, we'd buy another. They keep making them more comfortable and with better mpg.
Hey, if something works so well, why fix it?
by ByThePond
Sat Oct 14, 2017 4:25 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 14195

Re: Bogle thinks markets are fully valued

That was reallocating, not rebalancing. ............ What the comments that are the topic of this thread are really supposed to be taken to mean I have no idea. Of course, you're right. Remind me not to post comments before the coffee kicks in. I also have trouble figuring out this discussion. It s...
by ByThePond
Sat Oct 14, 2017 9:45 am
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 14195

Re: Bogle thinks markets are fully valued

I have rebalanced once in the last 20 years, going from 100% to 65% equities, and this at age 62. Very stable job, etc. It's been a nice ride up.

0% international, for the usual reasons.

tadamsmar wrote:
Sat Oct 14, 2017 3:05 am


It would be interesting to know what percentage of Bogleheads never rebalance and never buy international.
by ByThePond
Sat Oct 07, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 105
Views: 8885

Re: Has your "risk tolerance" been tested?

Yes. In 2008, I was still 100% equities and figured that I was 12 years away from retirement. When things started going South, and when I received a bump in income, I bit the bullet and plowed the whole salary increase into equities. It was kind of a white knuckle time, but I kept the faith that the...
by ByThePond
Mon Aug 28, 2017 7:03 am
Forum: Personal Consumer Issues
Topic: Laptop: 2-in-1 vs. Detachable?
Replies: 21
Views: 3310

Re: Laptop: 2-in-1 vs. Detachable?

I had a clamshell laptop which I replaced with a Surface Pro, and found the SP much easier to handle, especially as a tablet. However, I wasn't completely happy with the SP's soft keyboard, and went with the Surface Book and its solid but detachable keyboard. My main usage of the SB is in laptop mod...