Search found 247 matches

by ClaireTN
Sun Jan 04, 2015 7:58 pm
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 19335

Re: [Annual POLL] What was your 2014 return?

Back-of-the-envelope math shows about 8% IRR for a portfolio that moved from 65/35 to 60/40 over the course of the year, with 30% of equities in international. This was a planned change in asset allocation.
by ClaireTN
Sat Aug 30, 2014 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Trigger Point - Checking In
Replies: 2
Views: 328

Re: Asset Allocation Trigger Point - Checking In

Will a shift cause you any extra taxes? Or can you do this in tax-advantaged accounts? I myself would shift in 2% increments every 3 months or so and would not pay any taxes to do so. Also I would stop shifting when I reached 50:50. I can do all of this within my 403b or Roth. Do you recommend the ...
by ClaireTN
Sat Aug 30, 2014 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Trigger Point - Checking In
Replies: 2
Views: 328

Asset Allocation Trigger Point - Checking In

Hello everyone, I came here a few years ago for advice when I was first getting serious about understanding our asset allocation strategy and learned a lot. My spouse and I have now reached a "trigger point" where we are supposed to shift our asset allocation, so I'm back to check in and, frankly, g...
by ClaireTN
Mon Jun 16, 2014 10:15 pm
Forum: Personal Consumer Issues
Topic: Calling all Cyclists... [help getting into cycling]
Replies: 71
Views: 8379

Re: Calling all Cyclists...

The Tubus racks are very nice, but pricey. If you aren't doing loaded tours, they are probably more than you need. Racktime is a lower-cost line made by the same company. I'm a bike commuter and sometimes carry a good bit of stuff into the office, but no way I would need the carrying capacity of a T...
by ClaireTN
Mon Jun 16, 2014 8:48 pm
Forum: Personal Consumer Issues
Topic: Calling all Cyclists... [help getting into cycling]
Replies: 71
Views: 8379

Re: Calling all Cyclists...

You might want to visit http://www.bikeforums.net/forum.php. I find most posters there to be very sensible and generous with advice.
by ClaireTN
Wed Jan 01, 2014 7:31 pm
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 14618

Re: What was your 2013 return?

15.23%

70/30 mix, with 30% of equities international
by ClaireTN
Sat Jun 15, 2013 4:46 pm
Forum: Personal Consumer Issues
Topic: Costco Natural Peanut Butter is Back!
Replies: 26
Views: 8998

Re: Costco Natural Peanut Butter is Back!

The jars I just bought say "best by May ___ 2014", that means it may still be edible after that, it just won't be "best". We have never had a problem with 3 people eating it and we have not been refrigerating it. Thanks. It sounds like, unopened, it stays good for a long time. I'll look for this on...
by ClaireTN
Sat Jun 15, 2013 1:04 pm
Forum: Personal Consumer Issues
Topic: Costco Natural Peanut Butter is Back!
Replies: 26
Views: 8998

Re: Costco Natural Peanut Butter is Back!

Can anyone offer advice about how long it stays good? It would take us a long time -- a month? -- to go through 80 oz. of PB. Would it last that long?
by ClaireTN
Sun Mar 31, 2013 12:28 pm
Forum: Personal Consumer Issues
Topic: Best/Favorite ipad Apps
Replies: 34
Views: 5026

Re: Best/Favorite ipad Apps

One I haven't seen mentioned yet is Slideshark. It's the best app for saving and presenting PowerPoint slides that I have found. It saves your presentations in the cloud and locally. It lets you annotate slides as you present and also has a "laser pointer" feature. Really great app.
by ClaireTN
Thu Jan 03, 2013 1:48 pm
Forum: Personal Consumer Issues
Topic: The How To of Creating a Blog
Replies: 21
Views: 1887

Re: The How To of Creating a Blog

What is the purpose of the blog? I've set up blogs with both Blogger and self-hosted WordPress. If it's just something basic, like to share photos and keep family updated with your life, or chronicle your travels, then blogger should be okay. For anything professional or if she is really serious ab...
by ClaireTN
Mon Dec 24, 2012 6:06 pm
Forum: Investing - Theory, News & General
Topic: when do you plan to change AA
Replies: 29
Views: 2310

Re: when do you plan to change AA

We use what I think of as the "Otar plan." on page 206 of his "Unveiling the Retirement Myth," Otar lays out an AA plan based on a ratio of assets to withdrawals. With 1-2 years of withdrawals in savings, you use a 50/50 AA (he calls this "seed money" and assumes you'd get scared off by a big market...
by ClaireTN
Mon Dec 24, 2012 2:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas gift for you.
Replies: 42
Views: 7090

Re: My Christmas gift for you.

Thank you! Merry Christmas!
by ClaireTN
Sun Dec 23, 2012 4:07 pm
Forum: Personal Consumer Issues
Topic: IPAD: Shared or Separate Usernames re: Apps
Replies: 8
Views: 1217

Re: IPAD: Shared or Separate Usernames re: Apps

My spouse and I use a common Apple ID so that we both have access to all of the apps and music we have purchased. We also maintain completely separate e-mail, calendars, task lists, and so forth. We've never had any trouble with it. Every once in a while, if one of us gets a new app, it will automat...
by ClaireTN
Mon Dec 10, 2012 8:39 pm
Forum: Investing - Theory, News & General
Topic: IBM to hold matching contributions until end of year
Replies: 3
Views: 559

IBM to hold matching contributions until end of year

According to this Forbes article IBM plans to change the structure of its 401k so that matching contributions will be held until the end of the calendar year. Employees who leave mid-year -- even if they are fired -- would lose the match. I hope this does not become a trend for other companies. http...
by ClaireTN
Fri Apr 13, 2012 6:27 pm
Forum: Personal Consumer Issues
Topic: buying a smartphone
Replies: 38
Views: 3388

Re: buying a smartphone

There's an app (GrooVe IP) for free VOIP calling over wifi (that doesn't deduct from your minutes), but my wife tried it and her call dropped on the first try. Didn't bother trying it again. I've used this app and find that it works well in exactly one situation. If I am in a wifi and talking to so...
by ClaireTN
Fri Apr 13, 2012 9:08 am
Forum: Personal Consumer Issues
Topic: buying a smartphone
Replies: 38
Views: 3388

Re: buying a smartphone

I'll throw in another recommendation for the $30 T-Mobile Monthly4G plan. 100 minutes are included, and extra minutes are 10 cents. So at 150 minutes, you'd spend $35, which is still hard to beat. Unlimited web and texts are included, and you have your choice of a huge array of Android phones that ...
by ClaireTN
Sun Apr 01, 2012 6:04 pm
Forum: Personal Consumer Issues
Topic: [POLL] How many miles on your car?
Replies: 141
Views: 10147

Re: [POLL] How many miles on your car?

Our Corolla will be 10 in July. It just reached 60,000 miles.
by ClaireTN
Sat Mar 31, 2012 6:34 pm
Forum: Personal Consumer Issues
Topic: Reccomend things to do in New Mexico
Replies: 22
Views: 1754

Re: Reccomend things to do in New Mexico

Ghost Ranch if you are into red rock hiking.
Chimayo for a fascinating look at a pilgrimmage site and the best chile around.
BTW, it's "chile" if you are in NM, not "chili."
by ClaireTN
Sat Mar 17, 2012 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Bogle on value tilting/REIT/emerging markets
Replies: 23
Views: 3253

Re: Bogle on value tilting/REIT/emerging markets

bob90245 wrote:Investors expecting value tilting/REIT/emerging markets to pay off year in and year out will be disappointed. This is strictly a long term strategy. Those who lack the neccesary patience should stick to total markets.
The total market strategy is also not for those who lack patience.
by ClaireTN
Sat Mar 17, 2012 2:50 pm
Forum: Personal Consumer Issues
Topic: The new iPad
Replies: 107
Views: 11393

Re: The new iPad

If an 11" Airbook is around $900 does it still make sense to buy a $600 to $700 new ipad? Even with the ipad upgrades it seems to me that the extra money for an Airbook is well spent. For me the answer to this would depend largely on whether you need a consumption or a production device. If the pri...
by ClaireTN
Mon Mar 12, 2012 1:53 pm
Forum: Personal Consumer Issues
Topic: The new iPad
Replies: 107
Views: 11393

Re: The new iPad

I own a first generation iPad and love it. I knew it was what I wanted before it existed. I remember saying that I liked the idea of a smartphone, but really wanted a BIG smartphone and didn't really care about the phone part of a smartphone. I ordered it as soon as it was available and have loved ...
by ClaireTN
Sun Mar 11, 2012 1:09 pm
Forum: Personal Consumer Issues
Topic: The new iPad
Replies: 107
Views: 11393

Re: The new iPad

I own a first generation iPad and love it. I knew it was what I wanted before it existed. I remember saying that I liked the idea of a smartphone, but really wanted a BIG smartphone and didn't really care about the phone part of a smartphone. I ordered it as soon as it was available and have loved i...
by ClaireTN
Mon Mar 05, 2012 3:59 pm
Forum: Investing - Theory, News & General
Topic: TIAA Real Estate -- Role in portfolio.
Replies: 52
Views: 2707

Re: TIAA Real Estate -- Role in portfolio.

Valuethinker wrote:Claire in Tennessee had a query about TIAA RE which we discussed here a few months ago. If you can find her nick in the search engine. Good discussion all the main points raised, I think.
Here's the thread: http://www.bogleheads.org/forum/viewtop ... =1&t=88238
by ClaireTN
Sat Mar 03, 2012 11:22 am
Forum: Investing - Theory, News & General
Topic: Do you have a portfolio "floor"?
Replies: 50
Views: 4228

Re: Do you have a portfolio "floor"?

I don't have a floor now, but plan to by the time I reach retirement. My plan is to have enough in safe assets (like TIPS and the TIAA traditional account) to purchase an SPIA that will cover the gap between Social Security and our basic living expenses. If the concept of a "floor" covers planning s...
by ClaireTN
Sat Feb 25, 2012 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA Direct - High Yield Savings 1.24 APY
Replies: 23
Views: 3141

Re: TIAA Direct - High Yield Savings 1.24 APY

It looks like they only plan to reimburse ATM fees from in-network machines. Here's what the website says: " Withdraw money at more than 400,000 ATMs with free transactions at over 23,000 ATMs in our network." The savings account might be attractive, but for me that would be a deal killer on the ch...
by ClaireTN
Sat Feb 25, 2012 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA Direct - High Yield Savings 1.24 APY
Replies: 23
Views: 3141

Re: TIAA Direct - High Yield Savings 1.24 APY

It looks like they only plan to reimburse ATM fees from in-network machines. Here's what the website says: " Withdraw money at more than 400,000 ATMs with free transactions at over 23,000 ATMs in our network." The savings account might be attractive, but for me that would be a deal killer on the che...
by ClaireTN
Sun Feb 19, 2012 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: All Vanguard accounts under one login?
Replies: 64
Views: 8386

Re: All Vanguard accounts under one login?

sscritic wrote:You can grant rights to a spouse or anyone else. It's called "agent authorization" at Vanguard.
https://personal.vanguard.com/us/litera ... _mode=true
I'll be darned. The things you learn on this forum. My spouse and I just did this - easy as can be. Thanks!
by ClaireTN
Sun Feb 19, 2012 8:01 pm
Forum: Investing - Theory, News & General
Topic: How do you do a 3 or 4 fund portfolio over several accounts?
Replies: 21
Views: 1980

Re: How do you do a 3 or 4 fund portfolio over several accou

I have 4 Vanguard accounts and a 401k that share an asset allocation of 5 funds/ETFs. I hope eventually I have one account that's large enough to contain most of the rebalancing, but for now I ended up with a couple funds in each account. The math for rebalancing became complicated so I created thi...
by ClaireTN
Sat Feb 18, 2012 9:43 pm
Forum: Investing - Theory, News & General
Topic: Can you express your investing philosophy as a Haiku?
Replies: 41
Views: 2725

Re: Can you express your investing philosophy as a Haiku?

My post in the ten-words thread was pretty close:

You probably don't
know anything the market
Already does not
by ClaireTN
Sat Feb 18, 2012 5:55 pm
Forum: Investing - Theory, News & General
Topic: "Can you sum-up your investing philosophy in 10 words?"
Replies: 120
Views: 9128

Re: "Can you sum-up your investing philosophy in 10 words?"

You probably don't know anything the market doesn't.
by ClaireTN
Sat Feb 18, 2012 1:58 pm
Forum: Investing - Theory, News & General
Topic: How do you do a 3 or 4 fund portfolio over several accounts?
Replies: 21
Views: 1980

Re: How do you do a 3 or 4 fund portfolio over several accou

We use four funds and have four accounts, but there's no way to keep our AA right with just one fund in each account. I also don't see any reason to have all four funds in all four accounts. That's too complicated. Plus, I like the International offerings available at Vanguard better than the ones i...
by ClaireTN
Tue Jan 31, 2012 12:45 pm
Forum: Investing - Theory, News & General
Topic: Is contributing to a 403b a no-brainer?
Replies: 10
Views: 1865

Re: Is contributing to a 403b a no-brainer?

From what I understood, any contributions I make to my 403b plan (up to $16500) are excluded from the 15.3% self-employment tax. I don't believe this is true. Reviving an old thread. As you'll see in my comment above, I was also under the impression that clergy had to pay SE tax on their 403(b) con...
by ClaireTN
Sun Jan 29, 2012 9:30 pm
Forum: Investing - Theory, News & General
Topic: POLL: How many funds do you hold?
Replies: 49
Views: 4669

Re: POLL: How many funds do you hold?

We have a four-fund portfolio, but accomplish it with five actual funds because part of our US stock is at Vanguard and part at TIAA-CREF. In 403(b)s we hold total bond, TIPS, and total domestic stock funds. In our Roths we hold TSM and TISM.
by ClaireTN
Sat Jan 28, 2012 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional - Safety?
Replies: 50
Views: 5605

Re: TIAA Traditional - Safety?

Here's the question: if I'm currently comfortable with my 4-fund AA, but eventually plan to annuitize part of my portfolio, does it make sense to wait until closer to retirement to use the Traditional? Or, is there some reason I should be putting money into it during the accumulation stage? Claire,...
by ClaireTN
Sat Jan 28, 2012 11:40 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional - Safety?
Replies: 50
Views: 5605

Re: TIAA Traditional - Safety?

Thanks all. This is very helpful. In about a year my spouse and I will likely hit the first of the thresholds Otar lays out for shifting to a more conservative AA (when your portfolio hits 10, 16, or 20 times your expected withdrawal). At that point, I think we'll add the traditional and maybe TREA....
by ClaireTN
Fri Jan 27, 2012 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional - Safety?
Replies: 50
Views: 5605

Re: TIAA Traditional - Safety?

On the theme of thread hijacking, I also have a related -- but not right on point -- question. My 403b is at TIAA-CREF and has been for several years, but I'm only now getting around to figuring out the TIAA traditional. Here's the question: if I'm currently comfortable with my 4-fund AA, but eventu...
by ClaireTN
Sun Jan 22, 2012 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional Annuity Question
Replies: 26
Views: 13751

Re: TIAA Traditional Annuity Question

Just a thought: I also have an old 403b at TIAA-CREF, which I have not rolled over to Vanguard (my current employer's plan is also with T-C). One reason I haven't done that is that I think my spouse and I will want an SPIA (or several) in retirement. As far as I can tell TIAA is one of the best plac...
by ClaireTN
Wed Jan 18, 2012 7:08 pm
Forum: Personal Consumer Issues
Topic: What's Your Favorite Username?
Replies: 89
Views: 5151

Re: What's Your Favorite Username?

I love Fallible and wish I had thought of it first!
by ClaireTN
Mon Jan 09, 2012 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to understand role of a RE fund in portfolio
Replies: 35
Views: 3637

Re: Trying to understand role of a RE fund in portfolio

But I honestly cannot figure out how TIAA determines what to pay into the TIAA traditional accounts. if you want to reply here and don't mind taking the thread OT, I'm always happy to learn new things. Hi Claire, I'm a little reluctant to start a discussion about TIAA Traditional in the middle of a...
by ClaireTN
Mon Jan 09, 2012 2:37 pm
Forum: Personal Consumer Issues
Topic: Best Cell Phone Plan for unlimited everything - $30
Replies: 52
Views: 9678

Re: Best Cell Phone Plan for unlimited everything - $30

I'd be curious to hear from people who have used GrooVeIP with a T-Mobile mobile data connection (not WiFi) and what the call quality was like. Mobile data connection also suffer more quickly in area of spotty signal or when moving in car, so I am wondering how that works when using GrooVeIP. I bel...
by ClaireTN
Mon Jan 09, 2012 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to understand role of a RE fund in portfolio
Replies: 35
Views: 3637

Re: Trying to understand role of a RE fund in portfolio

Dick and VT, I appreciate your comments about TIAA traditional. As I said above, I haven't invested because I don't understand it. I do understand that they guarantee the principal and a set interest rate for each vintage. I also understand the restrictions on withdrawals -- using a transfer payout ...
by ClaireTN
Sun Jan 08, 2012 7:34 pm
Forum: Investing - Theory, News & General
Topic: The Bottom Line: Just sit there.
Replies: 31
Views: 4844

Re: The Bottom Line: Just sit there.

Could not agree more. I struggle, mightily, against the urge to fashion a 'perfect' portfolio. Posts like this keep me from acting on those urges. I am struggling with exactly this urge right now. I'm thinking about a small change to our portfolio and can't make up my mind whether I should "do some...
by ClaireTN
Sun Jan 08, 2012 4:38 pm
Forum: Personal Consumer Issues
Topic: Password manager?
Replies: 109
Views: 10631

Re: Password manager?

I don't know about KeePass, but I've been using 1Password, which works seamlessly on my iPad, Android phone, and MacBook. It syncs through Dropbox. Does 1Password offer an option for a second authentication factor yet? Not at this time. Here's one explanation of why not: http://blog.agilebits.com/2...
by ClaireTN
Sun Jan 08, 2012 12:43 pm
Forum: Personal Consumer Issues
Topic: Password manager?
Replies: 109
Views: 10631

Re: Password manager?

Any of you KeePass users have a recommended iPhone/iPad app? All of the ones I see in the App store seem to be flawed based on reviews. Thanks, Don Bump - anyone have info for mobile? I don't know about KeePass, but I've been using 1Password, which works seamlessly on my iPad, Android phone, and Ma...
by ClaireTN
Sat Jan 07, 2012 7:14 pm
Forum: Personal Consumer Issues
Topic: Best Cell Phone Plan for unlimited everything - $30
Replies: 52
Views: 9678

Re: Best Cell Phone Plan for unlimited everything - $30

I'd be curious to hear from people who have used GrooVeIP with a T-Mobile mobile data connection (not WiFi) and what the call quality was like. Mobile data connection also suffer more quickly in area of spotty signal or when moving in car, so I am wondering how that works when using GrooVeIP. I bel...
by ClaireTN
Sat Jan 07, 2012 5:02 pm
Forum: Personal Consumer Issues
Topic: Best Cell Phone Plan for unlimited everything - $30
Replies: 52
Views: 9678

Re: Re:

Sidney wrote:
Looked at the T-Mobile web site. It refers to the unlimited data as "web." Do you know if that includes traffic like streaming music (e.g. Pandora) or video?
Yes. I use it for Pandora and You Tube with no trouble.
by ClaireTN
Sat Jan 07, 2012 4:13 pm
Forum: Personal Consumer Issues
Topic: Best Cell Phone Plan for unlimited everything - $30
Replies: 52
Views: 9678

Re:

FWIW, after using Groove IP for a few days I have determined it really does not work. Call quality is terrible. I am going to upgrade to the $40 a month plan with more minutes. It's a couple bucks more but still a great deal IMO That's good to know. Was voice quality terrible over WIFI also? If so,...
by ClaireTN
Sat Jan 07, 2012 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to understand role of a RE fund in portfolio
Replies: 35
Views: 3637

Re: Trying to understand role of a RE fund in portfolio

Again, I urge you to look at the moves on NAV of the fund, because that's a measure of the pain you can take. I keep looking at that chart. Like most on this board I think I can handle volatility. But who really knows? Just eyeballing it, the big drop in TREA doesn't look any worse than the big dro...