Search found 12 matches

by cid64
Wed Sep 28, 2016 4:36 pm
Forum: Personal Consumer Issues
Topic: Savannah and Charleston
Replies: 23
Views: 3728

Re: Savannah and Charleston

I live part of the year in Charleston. The recommendations above are all good. If you happen to be in Charleston on a Friday afternoon go uptown and watch a parade at The Citadel. Memorable and patriotic. Usually at 3:45 pm.
Do not know much about Savannah, so not much help there.
by cid64
Wed May 14, 2014 9:35 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1560591

Re: What Book Are You Currently Reading? Part V

Tell No One by Harlan Coben. Good book but also a pretty good movie. For some reason it was made in France but still good. I borrowed it from my local library.
by cid64
Fri Feb 21, 2014 9:40 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1560591

Re: What Book Are You Currently Reading? Part V

The Martian by Andy Weir. Don't know if this has been mentioned yet. Novel about a man who was left on Mars after a six person expedition to the planet was aborted. The other five escaped thinking he was dead. The story of his struggle to survive and the efforts of NASA to rescue him. Brilliant and scientifically accurate(as far as I can tell).
by cid64
Wed Dec 05, 2012 3:24 pm
Forum: Personal Investments
Topic: Vanguard and State Income Tax Withholding from RMD's
Replies: 35
Views: 9633

Re: Vanguard and State Income Tax Withholding from RMD's

Yes, I too was told the same thing. They do not have a mechanism for withholding state taxes on RMD's. I live in New Jersey. Now I guess I am on my own for NJ withholding.
by cid64
Tue Apr 03, 2012 9:27 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1560591

Re: What Book Are You Currently Reading? Part V

Just finished "The Expats" by Chris Pavone and currently reading "Hemingway's Boat" by Paul Hendrickson(just got back from Cuba)
by cid64
Sat Mar 03, 2012 7:10 pm
Forum: Personal Consumer Issues
Topic: Toyota Prius Info
Replies: 38
Views: 4228

Re: Toyota Prius Info

My wife and I have had a Prius for 5 years. I was most surprised by the comfortable ride, as we take it on several long trips every year. Our mileage is between 42-45mpg depending on the season and highway vs. city driving. It is also roomier than first thought and we actually travel with our cat plus luggage with no problems. It has more than adequate power too. No maintenance problems so far, but then it is Toyota and I believe they have the technology perfected now. Basically we love the car. Might buy a second one when my high mileage car dies.

Bob
by cid64
Mon Feb 13, 2012 9:17 pm
Forum: Investing - Theory, News & General
Topic: Post your asset allocation here:
Replies: 136
Views: 16567

Re: Post your asset allocation here:

Age 70 Wife- pension +SS, Me SS. Both retired 10 years

IRA

Total Stock 20%
Total International 7%
REIT 3%
Total Bond 30%
TIPS 30%
Short Term Corp 10%


TAXABLE(Spending)(110K)

Prime MM(emergency expenses)
Limited Term Tax Exempt(Travel, entertainment etc)
NJ MM(monthly expenses)

LTC(set aside-if needed)(150K)

Total Stock 35%
Total International 15%
Int. Term Tax Ex. 50%

Thank you Bogleheads
by cid64
Thu Jan 05, 2012 4:36 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3895
Views: 2424228

Re: The Three Fund Portfolio

Hi Cid: What would be recommended as a substitute for Total Bond in the Three Fund Portfolio if money has to be invested in a taxable account? I would lean towards Intermediate Term Tax Exempt, but I live in New Jersey, so New Jersey Long Term Tax Exempt is a possibility. I was surprised to see that Morningstar gives both funds the same credit quality. Duration is similar. If you are in a high income tax bracket the tax-exempt fund might be favored--otherwise I'd probably go with the more diversified non-state specific fund for more safety and sleeping well. I think that either of the two funds you mention should provide safety and Income in a taxable account. If you have stocks in tax-advantaged accounts, they are taking up valuable space...
by cid64
Thu Jan 05, 2012 1:41 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3895
Views: 2424228

Re: The Three Fund Portfolio

What would be recommended as a substitute for Total Bond in the Three Fund Portfolio if money has to be invested in a taxable account? I would lean towards Intermediate Term Tax

Exempt, but I live in New Jersey, so New Jersey Long Term Tax Exempt is a possibility. The amount of money to be invested is about 107K transferred from a brokerage account. I am

retired, will begin RMD's this year and will be adding this money to the Three Fund Portfolio. I have a substantial regular IRA and adequate funds for two years expenses, so the Three

Fund Portfolio money will not be needed for several years(hopefully). Thank you Mr. Bogle and Bogleheads.

An answer to the question of which bond fund to substitute would be greatly appreciated.
by cid64
Fri Jun 24, 2011 7:54 pm
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 29607

Bucky Pizzarelli. I'm from New Jersey.
by cid64
Wed Jun 22, 2011 11:42 am
Forum: Personal Consumer Issues
Topic: Going to Scotland this fall-Advice?
Replies: 7
Views: 986

I agree bhoy. Up the Hoops!
by cid64
Fri May 13, 2011 9:11 pm
Forum: Personal Consumer Issues
Topic: Booze
Replies: 80
Views: 10998

1 Scotch(special): N/A

2. Scotch( regular): Chivas

3. Rum: N/A

4. Vodka: Triple 8, Stoli

5. Irish Wiskey: N/A

6. Bourbon: Knob Creek, Jack Daniels

7. Gin: (special) Citadel, (regular) New Amsterdam

8. Tequila: N/A