Search found 61 matches

by newstreetnj
Tue Mar 20, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 12897

Re: Need advice re: Liberal Arts Colleges...

Hi Cheapskate, Have 2 D myself. Your D sounds like a gem "hardworking etc" You seem to be absolutely convinced that she can't make it into Amherst etc. Has she taken her SATs yet? Maybe she's done the PSAT and she's not ,say,in the top 2% but scores sometime change for the better and there are SAT p...
by newstreetnj
Wed Feb 07, 2018 7:36 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 4 Horsemen Of Your Portfolio
Replies: 111
Views: 11572

Re: Larry Swedroe: 4 Horsemen Of Your Portfolio

The New England J of Medicine had a great article on the rate for Alzheimer's disease dropping.It was featured as one of the 10 most important articles published in 2016. I was so surprised that I sent news of it to several of my friends. These data have not gained wide acknowledgement but there it ...
by newstreetnj
Mon Feb 05, 2018 3:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 15674

Re: Vanguard site is crashed now?

I was able to log in just a few minutes ago but the T Rowe Price site is down! :( :(
by newstreetnj
Thu Dec 28, 2017 8:07 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 147
Views: 10443

Re: What non fiction book will you be reading in 2018?

The Elephant in the Mind: Hidden Motives in Everyday Life by Simler and Hanson. See here: https://www.amazon.com/Elephant-Brain-Hidden-Motives-Everyday/dp/0190495995/ref=sr_1_1?s=books&ie=UTF8&qid=1514475781&sr=1-1&keywords=the+elephant+in+the+brain One review summed the book up nicely: “Charles Da...
by newstreetnj
Sun Dec 10, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do with your first RMD withdrawal money?
Replies: 69
Views: 6077

Re: What did you do with your first RMD withdrawal money?

montanagirl wrote:
Thu Dec 07, 2017 10:06 am
When you get RMDs from Vanguard, can they go straight to a taxable account at VG, or do they need to come all the way "home" to your bank, and then be reinvested (for appearance's sake)?
V will put your $ into the taxable acct Bob
by newstreetnj
Mon Oct 23, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Allocation Question
Replies: 13
Views: 1151

Re: TIAA Allocation Question

Hi, Agree that an annuity might be good for you. Depending on how long you have been with TIAA, the return on an annuity can be as high as 8%. That was true for me, since I had vintages dating back to 1977. Another point is that they sell inflation-adjusted annuities, which might be especially good ...
by newstreetnj
Tue Jul 04, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Policies?
Replies: 56
Views: 6192

Re: Medicare Supplement Policies?

I also recommend investigating and considering a Medicare Advantage plan (or the similar Medicare Cost). Such plans differ greatly from each other and differ greatly by locality. With such plans, you do not get a supplement. However, with a Medicare Advantage plan you often also do not get the free...
by newstreetnj
Tue Jul 04, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance - is it worth it?
Replies: 159
Views: 14938

Re: Long term care insurance - is it worth it?

I got LTCI ~15 yrs ago, when I was recently divorced, through TIAA due to my strong family history of dementia. It's now "administered" by Metlife and I've had 2 premium increases since I got it. I do sleep better knowing that I have it and the premiums are still < 2K/ yr. So much of the decision to...
by newstreetnj
Tue Jun 27, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Travel to Ireland and, hopefully, to Cambridge, England
Replies: 15
Views: 1501

Re: Travel to Ireland and, hopefully, to Cambridge, England

Many thanks to all of you! I feel a lot more secure in doing the Cambridge trip. We will take Ryan to Stanstead and then the Cam train. Bob
by newstreetnj
Mon Jun 26, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Travel to Ireland and, hopefully, to Cambridge, England
Replies: 15
Views: 1501

Re: Travel to Ireland and, hopefully, to Cambridge, England

Oops, went back to Ryanair and found Stansted. Airfare is quite reasonable but I guess it is a no frills airline. Do the trains from Stansted go to Cambridge a few times a day?

Bob
by newstreetnj
Mon Jun 26, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: Travel to Ireland and, hopefully, to Cambridge, England
Replies: 15
Views: 1501

Re: Travel to Ireland and, hopefully, to Cambridge, England

I went on the Ryanair website but could not find Stansted altho did see Luton. Does Stansted, perhaps, have another name? Bob

PS I take it that Ryanair has a bad rep?
by newstreetnj
Mon Jun 26, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Travel to Ireland and, hopefully, to Cambridge, England
Replies: 15
Views: 1501

Travel to Ireland and, hopefully, to Cambridge, England

Hello Friends, We are going to Ireland in early Sept but would then like to go to Cambridge for a few days in mid Sept. I went on Kayak to research flights from Dublin to Cambridge but almost all/ all the flights leave us at Heathrow or Gatwick in London. So, are there trains from Gatwick to Cambrid...
by newstreetnj
Tue Apr 04, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 55
Views: 9305

Re: Are people aware that Verizon email is being terminated?

No, I wasn't aware that Verizon was ending it's email service.
If I wanted to transition to gmail, what steps would I need to take? Would my contacts transfer?

Thanks for your help Bob
by newstreetnj
Tue Mar 14, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Labcorp Bill
Replies: 6
Views: 947

Re: Labcorp Bill

Thank you so much, friends. Bob
by newstreetnj
Tue Mar 14, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Labcorp Bill
Replies: 6
Views: 947

Labcorp Bill

Hi Friends, I recently had biopsies done at a medical school hospital. I was surprised to get a bill from Labcorp within 2 weeks and more surprised to see that they had not bothered billing Medicare(I'm 72) or my Medigap. Has this happened to any of you? What did you do? Thanks for your help Bob
by newstreetnj
Tue Mar 14, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: Specific Book Recommendations - passing the time on Amtrak
Replies: 13
Views: 975

Re: Specific Book Recommendations - passing the time on Amtrak

Hi

The Emperor of All Maladies by S Mukerjee. A great book on cancer history/research. Bob
by newstreetnj
Sat Feb 25, 2017 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Allocation - International Stock
Replies: 4
Views: 1085

Re: Vanguard Allocation - International Stock

HI, Vanguard does have a hedged low volatility global fund which has done well over the 3 yrs since its inception. Mea culpa, it's not an index fund, nor is it an international fund but was recommended in the Vanguard Investors Newsletter(independent from Vanguard). I did transfer my holdings in the...
by newstreetnj
Mon Feb 13, 2017 8:06 pm
Forum: Investing - Theory, News & General
Topic: The Ned Said Effect strikes again
Replies: 52
Views: 5129

Re: The Ned Said Effect strikes again

Hi Ned, Here's a variant of the Nedsaid effect. Many times I've sold covered calls on equities for a few hundred bucks only to see the equity rise to beyond the strike price and, consequently, lose out on the long term gain. I think I've by now convinced myself that covered calls are a bad idea for ...
by newstreetnj
Wed Dec 07, 2016 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Veterans Administration(VA) benefits for my sister
Replies: 10
Views: 1428

Veterans Administration(VA) benefits for my sister

Hello Friends, Got an 88 yr old sister with dementia whose husband served in the Navy during WW2. Bro and I while looking at memory care centers were told about a VA survivor benefit that pays ~$1,100/month to surviving spouses. It sounds great but almost too good to be true. Do any of you have any ...
by newstreetnj
Tue Oct 18, 2016 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance Premium Increase
Replies: 29
Views: 3837

Re: Long Term Care Insurance Premium Increase

Bought a policy from Tiaa ~ 15 yrs ago. Now administered by Metlife. Only 1 increase so far. Bob
by newstreetnj
Fri Jul 08, 2016 12:15 pm
Forum: Personal Consumer Issues
Topic: Trip to Oregon
Replies: 43
Views: 4223

Trip to Oregon

I want to thank all of you who replied to my request for tips about OR. We saw the resident gray whales at Depoe Bay with Captain Carrie who was also great with bird IDs. Cape Perpetua and Yachats were very nice as several of you said. Saw our daughter in Eugene and then to Ashland for Hamlet. Speci...
by newstreetnj
Wed May 18, 2016 6:30 pm
Forum: Investing - Theory, News & General
Topic: Is anyone here currently getting an annuity payout?
Replies: 19
Views: 3193

Re: Is anyone here currently getting an annuity payout?

I too annuitized with TIAA and am DELIGHTED. I get about 8% on the amount deposited like clockwork in my bank account. The amount is slowly increasing, even though it's not inflation indexed. Bob
by newstreetnj
Thu Apr 28, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: Verizon set top box rental
Replies: 4
Views: 688

Verizon set top box rental

Hello Friends, We pay V $12/month to rent a Motorola set top box. Ideally, I would buy one and not have the monthly fee. But, I wonder how much hassle that would entail- I am almost a Luddite and am 71 yrs old- so please bear that in mind. Buying the box itself is easy but it's the installation that...
by newstreetnj
Sat Mar 12, 2016 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer IRA from T. Rowe Price to tiaa-cref?
Replies: 7
Views: 913

Re: Transfer IRA from T. Rowe Price to tiaa-cref?

I love both Price + TIAA but Price has some very good funds such as CapApp which does as well as Wellington.

Bob
by newstreetnj
Tue Jan 26, 2016 8:34 pm
Forum: Personal Consumer Issues
Topic: Trip to Oregon
Replies: 43
Views: 4223

Re: Trip to Oregon

Thank you one and all for the many insights and great suggestions. How very kind of all of you. I'm leaning toward flying into Portland on Southwest out of Baltimore and then heading to the central coast, probably staying 2-3 nights in Yachats before heading for Florence(dunes) and Eugene. From Euge...
by newstreetnj
Mon Jan 25, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: Trip to Oregon
Replies: 43
Views: 4223

Trip to Oregon

Hello Friends, I want to visit OR in late June-early July and visit Crater Lake and the OR Coast but know hardly anything about OR. Will also visit with my daughter in Eugene. Plan to spend ~ 2 weeks there Does one usually fly into Portland? If so, with what carrier from the DC Metro area? What's th...
by newstreetnj
Thu Oct 01, 2015 7:49 pm
Forum: Personal Consumer Issues
Topic: stolen 2003 Honda
Replies: 6
Views: 1210

stolen 2003 Honda

Hello Friends, Asking your advice on any aspect of dealing with a stolen car which the police probably will not be able to recover. So, one ? is how to deal with the insurance co. They will propose a value for the car. Do I accept that offer or it is wise to ask for more? I take it that any loss not...
by newstreetnj
Thu Jun 11, 2015 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA-CREF help
Replies: 10
Views: 1486

Re: TIAA-CREF help

I have a TIAA annuity and love it because it was based on older vintages and therefore pays 8%. The local TIAA rep was wonderful for that and for our total estate planning. He even went over power of attorney with us, the need to have a will and the need to consider having some else run our money if...
by newstreetnj
Sun Jan 04, 2015 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: social security(SSA) payments to child of a retiree
Replies: 11
Views: 1249

Re: social security(SSA) payments to child of a retiree

Thank you all for your good thoughts. I did start SSA at age 66 to answer one ?. This year's 1.7% COLA is what actually caused me to begin researching this issue once again. I'm pretty much convinced now that my son gets 50% of my benefit and will until he graduates from high school. Enjoyed the com...
by newstreetnj
Sat Jan 03, 2015 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: social security(SSA) payments to child of a retiree
Replies: 11
Views: 1249

social security(SSA) payments to child of a retiree

Hello Friends, I'm 69 yrs old, am receiving SSA benefits and have a 16 yr old son who is also receiving SSA benefits based on my benefits. My son is living with my ex; communication with her is very difficult. In particular, she won't tell me how much SSA is paying her per month as my son's custodia...
by newstreetnj
Mon Sep 08, 2014 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Japan with a NISA
Replies: 15
Views: 2429

Re: Investing in Japan with a NISA

Yes, if Japan's economy is, say, 15% of the world's economy, then allocate only 15% to it. China being the 2nd largest economy would get a higher allocation and Germany, the 4th largest, a lesser amount.
by newstreetnj
Mon Sep 08, 2014 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Japan with a NISA
Replies: 15
Views: 2429

Re: Investing in Japan with a NISA

In response to ? 4. Why not allocate a small fraction of your funds to the Nissei index fund and allocate other fractions to the other major economies, so you might allocate 50% to the S+P 500 but only 10-20% to itsjjapenese equivalent. That way you're diversified.
by newstreetnj
Mon Sep 08, 2014 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: need help choosing options at TIAA-CREF
Replies: 34
Views: 2432

Re: need help choosing options at TIAA-CREF

The advisers at TIAA are great. We spent hours with one at no cost and I thought his advise was really valuable. Why don't the 2 of you set up an appointment?
by newstreetnj
Thu Aug 21, 2014 5:16 pm
Forum: Personal Consumer Issues
Topic: Trip to Sicily
Replies: 2
Views: 611

Trip to Sicily

Hello! My wife and I plan to go to Sicily in late Oct after hitting Rome and the Amalfi coast. We are in our mid 60s and will not be on a tour. I imagine that we will take a ferry(?hydrofoil) from Naples, let's say to Catania or Palermo. We are especially interested in the Grecian ruins(Segesta etc)...
by newstreetnj
Sun Jan 19, 2014 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional vs. Bonds - What would you choose?
Replies: 44
Views: 5776

Re: TIAA Traditional vs. Bonds - What would you choose?

Fascinating discussion The TIAA annuities can be " inflation adjusted". You get a lower periodic payment, of course, but have inflation protection. The "vintage" can be extremely important. I annuitized more than a year ago and am getting more than 8%. I'm very happy- those vintages did originate ba...
by newstreetnj
Sun Jan 05, 2014 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate
Replies: 4
Views: 610

Re: TIAA Real Estate

Hi Livesoft,

Thanks for the link.

Interesting reading, especially the idea that the fund lends itself so well to timing.

Bob
by newstreetnj
Sun Jan 05, 2014 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate
Replies: 4
Views: 610

TIAA Real Estate

Hello!

Any thoughts about this investment? I remember that there was a flurry of comments on this about 2 years ago. This last year, it was up ~10%, although not much in the 4th quarter.

Thanks for your help. BTW, I'm 69.

Bob
by newstreetnj
Sat Jun 29, 2013 2:32 pm
Forum: Personal Consumer Issues
Topic: computer security
Replies: 8
Views: 1816

Re: computer security

Thank you, friends.

Bob
by newstreetnj
Thu Jun 27, 2013 7:48 pm
Forum: Personal Consumer Issues
Topic: computer security
Replies: 8
Views: 1816

computer security

Hi!

Are there any free internet security services that you all know of? We just simplified our Verizon bill and dropped their service. Thank you.

Bob
by newstreetnj
Sat Jun 22, 2013 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: The Second Half of Retirement
Replies: 23
Views: 3659

Re: The Second Half of Retirement

Hi !

My 85 year old sister lives in a great retirement community in Hilton Head, which includes an infirmary(skilled nursing). It's great because it's a non- profit institution and those who live there are on the governing board. From my viewpoint, it beats a for profit hands down.
by newstreetnj
Fri Jun 21, 2013 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security(SSA) for minor children
Replies: 5
Views: 562

Re: Social Security(SSA) for minor children

Yes, he is. Thank you for your comment.
by newstreetnj
Fri Jun 21, 2013 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security(SSA) for minor children
Replies: 5
Views: 562

Social Security(SSA) for minor children

Hello Friends, I'm 68 yrs old and receive SSA benefits of 2.5K per month. I have a son who lives with my ex; the ex receives SSA benefits for him due to my status as an SSA recipient. I'm not sure, however, how much my ex is receiving and was hoping that someone knows the amount of the SSA payment. ...
by newstreetnj
Tue Apr 02, 2013 5:54 pm
Forum: Personal Consumer Issues
Topic: Fuel oil bill of 2K in 2012
Replies: 43
Views: 2810

Re: Fuel oil bill of 2K in 2012

Thank you everyone for your replies.

I wish I could convert to gas but BGE won't do it in our area.

I will definitely get an energy audit as per several of you. I also signed up with a new oil company with per gallon cost ~40c less.

Bob
by newstreetnj
Fri Mar 29, 2013 10:40 am
Forum: Personal Consumer Issues
Topic: Fuel oil bill of 2K in 2012
Replies: 43
Views: 2810

Fuel oil bill of 2K in 2012

Hi Friends, Amazed that we paid $2K for fuel oil in 12 :( because we have a 1588 sq ft house in central MD, turn the heat down every night to 60 F( from 68) and use the fuel oil only for heating( not for hot water) The oil cost from $4.15 to $4.30 per gallon for the 3 deliveries. The hot air furnace...
by newstreetnj
Thu Nov 29, 2012 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: tiaa-cref vs vanguard target date funds
Replies: 26
Views: 2442

Re: tiaa-cref vs vanguard target date funds

Hello,

I just annuitized vintages from the 1970s when I was at Rutgers and am getting ~8%. More importantly, the advisers at TIAA are wonderful( at least here in MD) and spent hrs with my wife and me. It's free too. My advice is for your friend to set up an appt. with these advisers.

Bob
by newstreetnj
Mon Oct 29, 2012 2:34 pm
Forum: Personal Consumer Issues
Topic: Is it time to install a whole-house generator?
Replies: 193
Views: 25712

Re: Is it time to install a whole-house generator?

Hi Friends, We live within the Baltimore Beltway(Towson) and have had numerous week long power outages thanks to a 3rd world utility. We even had a 5 hr outage the day before Sandy hit. Their excuse is "the trees"-as if other parts of the country don't have trees! I wrote numerous letters to the Pub...
by newstreetnj
Thu Sep 06, 2012 11:58 am
Forum: Personal Finance (Not Investing)
Topic: estimated federal tax question
Replies: 14
Views: 1309

Re: estimated federal tax question

Thank you everyone! Bob
by newstreetnj
Wed Sep 05, 2012 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: estimated federal tax question
Replies: 14
Views: 1309

estimated federal tax question

Hi! I'm new to doing estimated taxes as I've always previously been an employee. It's clear that the IRS wants a voucher along with a check but it's not clear to me if they want a "return" i.e the calculations that one does in order to come up with estimated tax number. Can anyone clarify that? Than...
by newstreetnj
Thu Aug 09, 2012 7:28 pm
Forum: Investing - Theory, News & General
Topic: GREAT long-term-care insurance article by Christine Benz
Replies: 55
Views: 6160

Re: GREAT long-term-care insurance article by Christine Benz

Hello friends, I want to give you all another perspective on dementia-my 83 yr old sister has Alzheimer's and is happier than most non demented people. She lives in an assisted living facility in her own apartment and, so far, only needs help with her meds. An aide comes by twice a day and puts out ...
by newstreetnj
Thu Aug 09, 2012 7:03 pm
Forum: Personal Consumer Issues
Topic: Austria / Slovenia Recommendations?
Replies: 23
Views: 2243

Re: Austria / Slovenia Recommendations?

Hi;

The Wachau valley is a must see within 30 miles of Vienna; take a train or drive to Melk on the Danube and then get on a boat and sail down the Danube. The vineyards are lovely to look at and you can sip a glass of Gruner Veltliner- the local white wine.

Bob