Search found 199 matches

by dcd
Mon Aug 01, 2011 7:12 am
Forum: Personal Consumer Issues
Topic: Does anyone here NOT like traveling?
Replies: 153
Views: 17421

If I never fly again, it will be too soon. Did some traveling around the country in my younger days but now, in my sixties, the only time I plan to fly is out of necessity. I still like the idea of 3-5 day stays by car within a relatively short drive. The truth is that I'm pretty happy hanging out n...
by dcd
Fri Apr 01, 2011 4:31 pm
Forum: Personal Consumer Issues
Topic: Catalytic converter theft
Replies: 13
Views: 2386

I do think that they should bear some responsibility. If someone comes to your home and their car is vandalized or stolen from your driveway, you are going to have some responsibility for that. It was on your private property. When I go to the mall I am parking on their private property and I expect...
by dcd
Fri Apr 01, 2011 2:33 pm
Forum: Personal Consumer Issues
Topic: Catalytic converter theft
Replies: 13
Views: 2386

I don't carry comprehensive on the Venture. I'm self insured for that. The mall may not be responsible but they should be in my opinion.They also weren't very nice about it. It's not like my wife stupidly left her purse on the seat in plain view or some other thing that she did. The auto repair shop...
by dcd
Fri Apr 01, 2011 1:08 pm
Forum: Personal Consumer Issues
Topic: Catalytic converter theft
Replies: 13
Views: 2386

Catalytic converter theft

My wife went to a local mall a few days ago in broad daylight and parked close to Dillards. There was a security guard standing nearby not too far from our van. When she came out 45 minutes later and started the van it was extremely loud. Upon taking it to the auto repair shop they informed us that ...
by dcd
Fri Feb 04, 2011 10:12 am
Forum: Personal Investments
Topic: My potential TIAA CREF Annuities Allocation
Replies: 9
Views: 1863

My daughter is in her late twenties and her allocation is 80% stock, 15% bond, and 5% inflation linked bond.
by dcd
Fri Dec 31, 2010 7:36 pm
Forum: Investing - Theory, News & General
Topic: 2010 Annual Returns Thread
Replies: 104
Views: 15025

11.9% with AA of approximately 56/44. It's been a very good year.
by dcd
Fri Dec 24, 2010 9:24 am
Forum: Investing - Theory, News & General
Topic: A Christmas Present for You
Replies: 46
Views: 7178

Thanks Taylor. My father was killed in the service during WWII. He didn't make it to combat due to a breakdown in the chain of command during basic training. I was denied the chance to know him because I wasn't born until two months later.

Your advice on this forum is much appreciated.
by dcd
Sun Dec 12, 2010 10:12 am
Forum: Personal Consumer Issues
Topic: caffeine and alcohol intolerance as I get older
Replies: 49
Views: 14472

I stopped drinking alcohol 11 years ago. Never really liked the way it made me feel except for the initial buzz. I was also concerned that I might overdo it when I retired a few years later. I think I'm pretty boring at parties now but I prefer no alcohol and I've served as a pretty good designated ...
by dcd
Thu Dec 09, 2010 6:43 pm
Forum: Personal Consumer Issues
Topic: Old / high mileage cars as primary vehicles for Bogleheads?
Replies: 94
Views: 12642

2003 Chevy Venture 110,000 miles- bought new(probably my last new car purchase).
1996 Saturn SL2 64,000 miles.

No plans to replace either anytime soon.
by dcd
Sun Dec 05, 2010 12:18 pm
Forum: Personal Investments
Topic: Cricket question #2: How did you become Bogleheads?
Replies: 31
Views: 3742

After trying to pick managed mutual funds and not doing well, I added an index fund. This was a step in the right direction but I still didn't have a clue. Then in 2000 I lost money by having an inappropriate asset allocation and poor diversification. That was when I knew I had to learn more and sho...
by dcd
Tue Oct 26, 2010 7:21 am
Forum: Personal Finance (Not Investing)
Topic: finding a good medigap company
Replies: 28
Views: 4741

In this case the ma company would be the same as the medigap company(Unitedhealthcare). They told me that I could do it with only a 3 month wait period and no underwriting. She said this was their company policy.
by dcd
Mon Oct 25, 2010 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: finding a good medigap company
Replies: 28
Views: 4741

I'm in the third month of my 6 month enrollment period so I can still switch to a medigap policy if I wish. I asked very specific questions to my sales rep. I'm enrolled in an AARP MA PPO. She told me that if I decide to enroll in a medigap policy in the future, say 2 years from now, Unitedhealthcar...
by dcd
Mon Oct 25, 2010 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: finding a good medigap company
Replies: 28
Views: 4741

Bruce, I just meant that you could also insure against a catastrophic hospital stay with a MA plan. For example my MA plan requires a $295 copay for the first 5 days in the hospital but provides complete coverage after that and charges a $0 premium. So, if someone is considering original medicare to...
by dcd
Sun Oct 24, 2010 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: finding a good medigap company
Replies: 28
Views: 4741

It doesn't have to be a medigap policy for hospital coverage as there are advantage plans that cover an unlimited hospital stay and have a $0 monthly premium.
by dcd
Tue Oct 19, 2010 9:07 am
Forum: Personal Investments
Topic: Help with Starting Socially Responsible Investment
Replies: 57
Views: 6415

My son has a Roth IRA invested in CREF Social Choice. ER is .41 and the asset allocation is 60% stocks and 40% bonds. It's a decent choice for a social fund. http://www.tiaa-cref.org/public/perform ... /1005.html
by dcd
Mon Oct 18, 2010 5:43 pm
Forum: Personal Consumer Issues
Topic: Early Retirement: Am I Losing My Mind?
Replies: 43
Views: 7550

The formula is probably pretty simple. Use your mind pursuing whatever interests you and pay attention to diet and exercise. Don't worry about stuff because you're going to get old(if you're lucky) and die anyway so you might as well enjoy the ride.
by dcd
Mon Oct 18, 2010 1:49 pm
Forum: Personal Investments
Topic: Taylor
Replies: 138
Views: 23331

Get well Taylor. Your advice here has been extremely helpful.
by dcd
Mon Oct 18, 2010 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Is Medigap Insurance Necessary?
Replies: 25
Views: 12527

Munir wrote:
The answer to the original question is YES, you do need Medigap insurance.
Does it have to be Medigap? Advantage plans have out of pocket maximums.
by dcd
Mon Oct 18, 2010 10:37 am
Forum: Investing - Theory, News & General
Topic: CREF Stock
Replies: 14
Views: 10089

555 wrote:
It is an active fund, with 80%/year turnover.
Morningstar lists turnover at 58%.
by dcd
Sat Oct 16, 2010 12:40 pm
Forum: Investing - Theory, News & General
Topic: CREF Stock
Replies: 14
Views: 10089

My daughter is a teacher and her retirement is with TIAA-CREF. The offerings consist of CREF Variable Annuities. Her portfolio consists of about 80% Stock, 15% Bond, and 5% Inflation Linked Bond. I advised her to do this and I think Stock is an excellent fund. While it's expense ratio is higher than...
by dcd
Thu Oct 14, 2010 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Is Medigap Insurance Necessary?
Replies: 25
Views: 12527

I agree with this. I have an Advantage Plan with a $0 premium. I will pay a larger portion of the up front expenses than some medigap policies but my out of pocket is limited to $3950 so I'm covered for the big stuff. I'm depositing what I would be paying for medigap and drug policy(my advantage pla...
by dcd
Wed Oct 13, 2010 11:35 am
Forum: Personal Consumer Issues
Topic: Short Intense Exercise Healthier than Long Moderate Sessions
Replies: 87
Views: 16605

simplesimon said: "Has anybody gone from an explosive athlete to something more moderate?" Yes, in high school and college I was a sprinter. Somehow I got it firmly implanted in my mind that I wasn't cut out to run further. Finally, a few years out of college I proved myself wrong and star...
by dcd
Wed Oct 13, 2010 10:56 am
Forum: Personal Consumer Issues
Topic: Short Intense Exercise Healthier than Long Moderate Sessions
Replies: 87
Views: 16605

I'm 65 and have been running since my teens. From 2006 to 2009 I was bothered by plantar fasciitis so last summer I stopped running and didnt't run again for a year. It was the first significant break from running in 50 years. I just started again this week. I get a yearly physical which includes ch...
by dcd
Sun Oct 10, 2010 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage -> Medigap: What exactly is the story?
Replies: 18
Views: 5237

I tuned 65 in August and enrolled in an AARP Advantaqge PPO plan with drug coverage and a monthly premium of $0. I realize there is some uncertainty with respect to the future of Advantage plans but in the end I decided to do it. The reasons for my decision is that the Advantage plan has no premium ...
by dcd
Tue Sep 21, 2010 4:07 pm
Forum: Investing - Theory, News & General
Topic: More Data on the Odds of Beating the Market
Replies: 17
Views: 2898

According to John Bogle in his little book "Common Sense Investing", 2% may be conservative when including commissions, etc. In a taxable account it's even worse.
by dcd
Tue Sep 07, 2010 2:26 pm
Forum: Investing - Theory, News & General
Topic: "Build Your Own Annuity"
Replies: 47
Views: 7930

Constructing your own annuity in this manner will allow you to leave the principal to your heirs in case of your death. With most insurance company annuities your investment goes to the company when you die.
by dcd
Sun Sep 05, 2010 5:19 pm
Forum: Personal Consumer Issues
Topic: What kind of bicycle to purchase?
Replies: 131
Views: 18187

I'm about your age and I'm riding a Jamis Citizen 3, a hybrid. I can no longer ride a road bike without discomfort in my upper back and the hybrid feels real good. Not as fast as a road bike but the workout can be very effective. I wear a heart rate monitor and I can achieve heart rates as high as I...
by dcd
Tue Aug 31, 2010 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: The best car insurance coverage for an affordable price?
Replies: 40
Views: 9683

I shopped around for rates 6 months ago when AARP was no longer competitive for me. I chose 21st Century because of rate and they also throw in towing even if you don't include comprehensive.
by dcd
Tue Aug 31, 2010 11:59 am
Forum: Investing - Theory, News & General
Topic: High-fee Passive Advisors Gave Me the Boot!
Replies: 87
Views: 13137

Rick: I think you should be proud that you got kicked out.
by dcd
Tue Aug 31, 2010 11:49 am
Forum: Personal Finance (Not Investing)
Topic: HOA vs non-HOA and condos
Replies: 19
Views: 2552

yobria asked: Your insurance wasn't included in that condo fee? Exterior insurance was included in the monthly HOA fee but I paid an extra $90/mo for interior insurance which pushed my real monthly fee from $317 to $407. I live in south florida so insurance is a touchy area. In summary, everything I...
by dcd
Mon Aug 30, 2010 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: SS: Spousal Benefits
Replies: 21
Views: 3258

Jake 46, my wife received these benefits until my daughter was 16 at which time they stopped. My wife will take her spousl benfits for herself in about a year from now. I was never made aware of this benefit when I applied for my benefit and the child benefit. A few months after my benefit and the c...
by dcd
Mon Aug 30, 2010 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: SS: Spousal Benefits
Replies: 21
Views: 3258

Regarding sscritic's comments regarding spouse's caregiving benefit: Unfortunately, only if you are dead. From ssa.gov under benefits for family members: Spouses who are younger than 62, if they are taking care of a child entitled on your record who is under age 16 or disabled; My wife is alive and ...
by dcd
Mon Aug 30, 2010 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: HOA vs non-HOA and condos
Replies: 19
Views: 2552

yobria wrote: Keep in mind most condo owners have a lot to lose when making this move - higher home cost, longer communte, etc. Rarely does a $300K house sit next to an identical $300K condo. Valid point. I'm retired so was free to move where I wanted. I selected a community 60 miles away that I rea...
by dcd
Mon Aug 30, 2010 11:37 am
Forum: Personal Finance (Not Investing)
Topic: HOA vs non-HOA and condos
Replies: 19
Views: 2552

Due to my personal experience with an HOA, I will never live with one again. I recently moved from 20 year ownership of a townhouse that had an HOA to a single family home in a "regular" neighborhood and so far I'm both very happy and relieved with the change. For starters, several years a...
by dcd
Mon Aug 23, 2010 11:45 am
Forum: Personal Consumer Issues
Topic: Fitness - what works for you?
Replies: 231
Views: 40275

It's running for me although I've come to like biking too. I'm 65 and have been running since my teens so I guess that's about 50 years. I still like road races and enjoy the competition so that keeps me motivated although I would still run if I quit racing. I've lifted weights off and on but don't ...
by dcd
Sun Aug 15, 2010 3:21 pm
Forum: Personal Consumer Issues
Topic: How to Retire Comfortably for Under $1,500 a Month in Belize
Replies: 71
Views: 13496

Bars on the windows present a real problem in case of a fire. They are dangerous.
by dcd
Thu Aug 12, 2010 11:32 am
Forum: Personal Consumer Issues
Topic: Florida Bogleheads Insurance question
Replies: 12
Views: 1983

Gulfstream Property and Casualty Insurance Co.
6964 Professional Parkway East
Sarasota, FL 34240
Ph 866-485-3004
by dcd
Sun Aug 01, 2010 1:50 pm
Forum: Personal Consumer Issues
Topic: Kilowatts in the Summer [Electricity Usage]
Replies: 95
Views: 12269

Valuethinker wrote:
The big difference is humidity rather than temperature per se I believe. It's keeping the humidity down that is key.
I agree. I changed temp to 79 and so far it feels fine. I should probably keep nudging it upward until I hit the point of discomfort.
by dcd
Sun Aug 01, 2010 9:50 am
Forum: Personal Consumer Issues
Topic: Kilowatts in the Summer [Electricity Usage]
Replies: 95
Views: 12269

South Florida here. Last bill for 32 service days. Three residents. New, all electric 2000 sq ft house. 1154 kwh, total bill $121.64 with thermostat at 78. this is quite a bit better than the 20 year old 1700 sq ft townhouse that we moved from. I think I'll try the thermostat at 79 and see how it fe...
by dcd
Fri Jul 30, 2010 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Free meals for lump sum pension sales pitches
Replies: 59
Views: 9952

I am a member of the Florida Retirement System and I retired several years ago. From the numbers I remember as to the lump sum, $800 to $900k sounds a little high. Valic did business in my school district pushing variable annuities at teachers(which should be illegal). If it were me I wouldn't even ...
by dcd
Wed Jul 28, 2010 11:53 am
Forum: Investing - Theory, News & General
Topic: CREF Stock vs CREF Equity Index + CREF Global Equities
Replies: 12
Views: 4231

I believe that Stock contains emerging markets and some international small cap. These are not included using Equity Index and Global.
by dcd
Tue Jul 06, 2010 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: The race is on! [buying a house before tax credit expires]
Replies: 45
Views: 7456

djw wrote: BTW, we intentionally put off closing until after April 1st in order to qualify for a homestead rebate at our former residence. State law says that we had to be living there on April 1, 2010 to receive the rebate for the current tax year. Florida law says that as long as we take certain s...
by dcd
Fri Jul 02, 2010 4:04 pm
Forum: Personal Consumer Issues
Topic: Cutting Hair Myself To Save $$ and Better Results!
Replies: 41
Views: 6052

I've been cutting my own hair for approx 15 years. First used Flowbee and now Il use Wahl. Very easy and quick. I just use one attachment and run it all over my head then trim around ears and neck with my razor. I've had two "events" in all those years. One time the Flowbee broke and I had...
by dcd
Fri Jun 04, 2010 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Bored in Retirement ??
Replies: 56
Views: 9741

I've been retired for seven years. No boredom. It's nice to do pretty much what you want when you want. I'm also pretty good at doing nothing.

Everyday is Saturday.
by dcd
Sat May 08, 2010 4:28 pm
Forum: Investing - Theory, News & General
Topic: Happy Birthday Mr. Bogle
Replies: 39
Views: 5255

Happy Birthday Mr. Bogle. Many thanks for your help.
by dcd
Sat May 01, 2010 10:30 am
Forum: Investing - Theory, News & General
Topic: Fitch Affirms TIAA Ratings
Replies: 40
Views: 5474

My investments are with Vanguard but when my son recently got motivated to start investing he didn't have the minimum amount to begin with Vanguard. TIAA Cref has no minimum initial investment and no minimum subquent contribution so my son opened a Roth IRA with them. They are certainly a good compa...
by dcd
Sun Jan 24, 2010 11:53 am
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? PART III (12/11/2009)
Replies: 424
Views: 79545

The Drunkard's Walk by Leonard Mlodinow
by dcd
Tue Jan 19, 2010 7:29 pm
Forum: Personal Consumer Issues
Topic: How active are you
Replies: 53
Views: 8828

I'm 64 and have been running since high school. Lately I've been alternating running and biking due to plantar fasciitis. My weight is the same as my college weight and my last blood work numbers were all good. No meds. I eat good food but probably add too many sweets. No alchohol. I live in South F...
by dcd
Tue Jan 19, 2010 11:47 am
Forum: Personal Finance (Not Investing)
Topic: ING Direct vs. Schwab vs. Alliant vs. Penfed...
Replies: 31
Views: 9134

Ally is very good. I've had an account for almost a year and have no negatives to report. Competitive interest rates and excellent customer service.
by dcd
Mon Jan 18, 2010 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: TaxCut vs. TaxAct
Replies: 19
Views: 4062

I used Turbo Tax for years then Taxcut last year and am using Taxact this year. So far I'm using the download free version. It has all forms so I might not upgrade to 12.95 Deluxe version. Can't beat free.