Search found 33 matches

by Brian96
Fri Aug 02, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Used Car Recommendations for Active Retired Couple
Replies: 31
Views: 2327

Re: Used Car Recommendations for Active Retired Couple

Thanks, Everyone! Lots to think about...the crossover height, getting in and out of the vehicle, is an excellent point!

- Brian
by Brian96
Fri Aug 02, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: Used Car Recommendations for Active Retired Couple
Replies: 31
Views: 2327

Re: Used Car Recommendations for Active Retired Couple

beyou wrote:
Fri Aug 02, 2019 11:38 am
Bought 2015 Forester for about 19k 2 years back (in 2017). We live near NYC, great car for city driving/parking.
Hi Beyou,

Could you expand a bit further on the Forester’s maintenance, performance and safety features?
Thanks!
-Brian
by Brian96
Fri Aug 02, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Used Car Recommendations for Active Retired Couple
Replies: 31
Views: 2327

Re: Used Car Recommendations for Active Retired Couple

02nz,

Thanks so much for helping me prioritize. Gas mileage is of greater concern than AWD and enhanced acceleration. I realize that safety features are the most important to me.
- Brian
by Brian96
Fri Aug 02, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Used Car Recommendations for Active Retired Couple
Replies: 31
Views: 2327

Used Car Recommendations for Active Retired Couple

Now that my wife and I are retired and traveling more by car, we are looking to replace our 2001 Honda Civic ex (55,000 miles). Although it’s mileage is low, repairs are beginning to mount, engine noises are concerning, acceleration has become an issue, and the 5-hour drives we take several times a ...
by Brian96
Fri Apr 26, 2019 12:56 pm
Forum: Personal Investments
Topic: Should I Stay or Should I go?
Replies: 3
Views: 908

Re: Should I Stay or Should I go?

Hey Megabad - good call! You’re correct! As a NY State resident, I qualify for the $20,000 NY State tax exclusion. So fro that perspective, TIAA does not have an advantage.
Brian
by Brian96
Fri Apr 26, 2019 11:23 am
Forum: Personal Investments
Topic: Should I Stay or Should I go?
Replies: 3
Views: 908

Should I Stay or Should I go?

With a nod to the band, “The Clash” I am wondering if it’s time to move my non-TIAA Traditional and TREA funds, to Vanguard. The funds include: TIAA Access Equity Index T1 (er .15) - VG .05 TIAA Access Large Cap Value Index T1 (er .15) - prefer - VG Dividend Appreciation indx (er .08) TIAA Access Va...
by Brian96
Sun Apr 21, 2019 6:34 pm
Forum: Personal Investments
Topic: Socially responsible investing
Replies: 27
Views: 5377

Re: Socially responsible investing

So it was between ICLN and QCLN. I chose QCLN for the greater diversity of subcategories and more of the companies I had wanted to include.
by Brian96
Sun Apr 21, 2019 11:50 am
Forum: Personal Investments
Topic: Socially responsible investing
Replies: 27
Views: 5377

Re: Socially responsible investing

Glad it was helpful. Let me know what you eventually invest in. I like each of them for different reasons so it’s tough to choose. I’m comparing them each to the list of funds I like. I may invest very small amounts in 2 or 3 of them. On the other hand (love that economist term), investing small amo...
by Brian96
Sun Apr 21, 2019 9:30 am
Forum: Personal Investments
Topic: Socially responsible investing
Replies: 27
Views: 5377

Re: Socially responsible investing

I’ve also been interested in this investing space and recently read a M* report on Sustainable investing that created: “A Sustainable Funds Taxonomy: The growth of the sustainable funds universe has been accompanied by the development of a range of specific approaches to sustainable investing. Each ...
by Brian96
Tue Aug 08, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Acadia National Park: Bar Harbor, Maine
Replies: 28
Views: 3911

Re: Acadia National Park: Bar Harbor, Maine

All great suggestions! So grateful!

Brian
by Brian96
Mon Aug 07, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Acadia National Park: Bar Harbor, Maine
Replies: 28
Views: 3911

Re: Acadia National Park: Bar Harbor, Maine

Hi Marti038, and Glomar,

Greta stuff! Thank you!

Brian
by Brian96
Mon Aug 07, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: Acadia National Park: Bar Harbor, Maine
Replies: 28
Views: 3911

Re: Acadia National Park: Bar Harbor, Maine

Hello Midareff, Hammockman, Livesoft, Vulcan,

Thank you for your suggestions! I will followup!

Brian
by Brian96
Mon Aug 07, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Acadia National Park: Bar Harbor, Maine
Replies: 28
Views: 3911

Acadia National Park: Bar Harbor, Maine

Hello Everyone, If you have had experience visiting Bar Harbor, Maine and the Acadia National Park, I would greatly appreciate your recommendations on hotels, restaurants and tours. I have recently joined my wife in retirement and looking to begin visiting National Parks beginning with Acadia. We ar...
by Brian96
Wed May 24, 2017 6:01 am
Forum: Personal Investments
Topic: Government 457 options. Advice appreciated.
Replies: 5
Views: 855

Re: Government 457 options. Advice appreciated.

The Vanguard Equity funds are all excellent:

VG Dividend Growth (closed to new investors but available here)
VG International Index
VG Mid Cap
VG Small Cap

Perhaps you can pickup a bond fund elsewhere?

Brian
by Brian96
Tue Dec 27, 2016 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement assets - should we surrender variable annuity?
Replies: 5
Views: 1127

Re: Retirement assets - should we surrender variable annuity?

Let's see:

$1,000,000 (approx) x 0.0329 = $32,900 per year

Any Vanguard fund, let's say Life Strategy Cons Growth VSCGX (40% US stock / 60% bond) 1,000,000 (approx) x 0.013 = $13,000

$32,900 vs $13,000

Which would you rather pay each year?

For me, this is the game changer.

What am I missing?
by Brian96
Tue Jun 21, 2016 10:10 pm
Forum: Personal Investments
Topic: Newbie here.....457(b) help please
Replies: 43
Views: 3803

Re: Newbie here.....457(b) help please

Valic/Vanguard = Yes!

AXA = Run Away! Fast!
by Brian96
Sat Mar 12, 2016 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Late start ... advice?
Replies: 9
Views: 2335

Re: Late start ... advice?

Hello Galt, Twenty years ago I was in my 40s with 5-figures saved and then the tech bubble crashed and I realized that I needed to take as much control over my finances as I could. These discussion boards led me to reading deeply into the investment world, starting with John Bogle's "On Mutual Funds...
by Brian96
Sun Jan 03, 2016 6:40 pm
Forum: Personal Investments
Topic: Advice for 60YO's Uncle's Limited 401K Choices
Replies: 9
Views: 814

Re: Advice for 60YO's Uncle's Limited 401K Choices

Hello Onion, I may be completely off base with this, but here goes...the mix of odd-ball funds reminds me of when my wife and I purchased an annuity through our tax accountant during the early 90s. We escaped from that plan by the late 90's. Please be sure that your uncle hasn't been advised that th...
by Brian96
Fri Jan 01, 2016 4:27 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 667
Views: 49271

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

2444.87

Joy and peace to all.
by Brian96
Sun Dec 27, 2015 11:47 am
Forum: Investing - Theory, News & General
Topic: Tracking Net Worth, insightful and motivating
Replies: 45
Views: 5693

Re: Tracking Net Worth, insightful and motivating

It motivates me to continue on my path. If I made enough it might motivate me to take more of I won the game approach to my portfolio. If it is a bad period it might motivate me to delay a large purchase like a car or just eat out a little less often so I can increase my contributions. To me motiva...
by Brian96
Sun Jul 19, 2015 1:06 pm
Forum: Personal Investments
Topic: Considering changing allocation between bonds and fixed income/guaranteed
Replies: 3
Views: 494

Re: Considering changing allocation between bonds and fixed income/guaranteed

Hello Beth, I too, am invested at TIAA-CREF in a 403b account and recently moved all my CREF BOND funds to TIAA traditional in a GRSA. GRSA allows more flexibility than an RA or SRA account. However, the trade-off is 3.15 vs 3.9.% return. Also - I think the distinction between T-Trad and C-Bond is "...
by Brian96
Tue Jan 01, 2013 8:53 pm
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
Replies: 481
Views: 29691

Re: 2013 BOGLEHEAD CONTEST REGISTRATION

1526.02

Brian
by Brian96
Sun Apr 29, 2012 7:25 pm
Forum: Investing - Theory, News & General
Topic: "The Stock Market Game"
Replies: 51
Views: 5329

Re: "The Stock Market Game"

Kathleen Ryan created a board game that speaks to indexing. You can find it at this site [Link removed by admin LadyGeek (no longer goes to the intended site)]

on edit: But on second thought, it's not the point of this thread...
by Brian96
Sun Apr 22, 2012 4:53 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds (The Bogle Rule)
Replies: 135
Views: 15058

Re: Age in Bonds (The Bogle Rule)

A market loss that recovers the way that one did is equally recoverable when in retirement just as when working. The kind of unlucky secular issue that matters more to retirement and in the context of Otar would be, for example, a long period of returns less than the average or a major crash that d...
by Brian96
Sun Apr 22, 2012 12:14 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds (The Bogle Rule)
Replies: 135
Views: 15058

Re: Age in Bonds (The Bogle Rule)

This is a fascinating discussion, which highlights for me the uncertainty of transitioning from work to retirement. There most definitely is an important difference in investing approach between those two life stages and the investment planning that many here have pointed to as you've dug a little d...
by Brian96
Tue Feb 07, 2012 10:26 pm
Forum: Investing - Theory, News & General
Topic: How do you keep going?
Replies: 15
Views: 2844

Re: How do you keep going?

Hi Greenie, I think you're right on schedule. I've also been feeling less motivated at work (although I enjoy it) and at 59 have ongoing thoughts of retiring. Your post has me pondering whether this is a perfectly normal response to this life stage. Retirement is a huge shift economically, socially,...
by Brian96
Sun Jan 22, 2012 9:16 am
Forum: Investing - Theory, News & General
Topic: Stock Market Games
Replies: 14
Views: 2072

Re: Stock Market Games

Oh, terrific...well done Bob!

A quick google yielded (no pun intended, but I'll take it) the name "Look-out Wall Street". You can find more info at:
http://www.lookoutwallst.com/index.htm#purchase.

Brian
by Brian96
Sat Jan 21, 2012 8:10 pm
Forum: Investing - Theory, News & General
Topic: Stock Market Games
Replies: 14
Views: 2072

Re: Stock Market Games

Some years back, a contributor to the M* Bogleheads discussion board had designed and produced a stock market game about "Indexing". Does anyone recall the author/designer? It might lead to a resourceful solution...

Brian
by Brian96
Sun Jan 02, 2011 2:30 pm
Forum: Investing - Theory, News & General
Topic: 2011 BOGLEHEAD CONTEST REGISTRATION
Replies: 374
Views: 37929

1409

Brian