Search found 110 matches

by peddler12
Thu Apr 12, 2018 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Community
Replies: 11
Views: 1106

Re: Assisted Living Community

Thank you GCD.
by peddler12
Thu Apr 12, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Community
Replies: 11
Views: 1106

Re: Assisted Living Community

Excellent thoughts. I'm 57 this week. My wife turned 60 March 1st. Starting the plan is negotiable. Age 67 but probably not. Age 70 or later more likely. I can not get LTC. I was turned down. I'll have to self fund or go on Medicaid if that is still available.
by peddler12
Thu Apr 12, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Community
Replies: 11
Views: 1106

Assisted Living Community

I looked into an assisted living community today called The Crossings at Martinsburg, WV. I was crunching numbers and at this point I don't believe it's an option. Monthly rent in todays dollars is $4,800.00 a month which will most certainly rise each year. I'm not worried about the first couple of ...
by peddler12
Mon Mar 05, 2018 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: VCSH Options
Replies: 7
Views: 743

Re: VCSH Options

I greatly appreciate the thoughts. Thank you.
by peddler12
Mon Mar 05, 2018 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: VCSH Options
Replies: 7
Views: 743

VCSH Options

Hello All, I have some funds in VCSH Short Term Bond Fund. With my dividends. I'm positive for the fund. It's yielding 2.89%. I thinking of staying with it and buy a share or two a month. The reason for the question Alliant Credit Union is paying 1.45% on savings that would have no volatility. I'm t...
by peddler12
Wed Nov 01, 2017 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Should I Sell Energy Index (VDE) and take loss?
Replies: 51
Views: 5624

Re: Should I Sell Energy Index (VDE) and take loss?

I made the same gamble, buying "low" in late 2015, not absolute bottom but near it. I sold in January this year when it was up and wiped the sweat off my brow. I made a decent return but also realized I was speculating. I don't even like energy morally, I was just being greedy. I did the same thing...
by peddler12
Tue Oct 31, 2017 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Sell Energy Index (VDE) and take loss?
Replies: 51
Views: 5624

Re: Should I Sell Energy Index (VDE) and take loss?

I've been cursed. When this thread came out at the end of June I said to myself that this ETF is out of favor and could be a great buy. So over the next month I bought 62 shares. Recently a week or so ago after dividends posted I sold all my shares. I made $350.54. Now I want to keep looking to rep...
by peddler12
Tue Oct 31, 2017 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Sell Energy Index (VDE) and take loss?
Replies: 51
Views: 5624

Re: Should I Sell Energy Index (VDE) and take loss?

I've been cursed. When this thread came out at the end of June I said to myself that this ETF is out of favor and could be a great buy. So over the next month I bought 62 shares. Recently a week or so ago after dividends posted I sold all my shares. I made $350.54. Now I want to keep looking to repl...
by peddler12
Thu Oct 19, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Roth TSP Question
Replies: 7
Views: 1003

Re: Roth TSP Question

Now that my wife has left the workforce and I'm not a Grade 12 CSA, I'm in the 15% Bracket. Would Bogleheads advise me to move to put future contributions into the Roth TSP? I like the tax deduction, but looking ahead the Roth coming out tax free really looks good to me. What do all of you advise? ...
by peddler12
Thu Oct 19, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Roth TSP Question
Replies: 7
Views: 1003

Roth TSP Question

Now that my wife has left the workforce and I'm not a Grade 12 CSA, I'm in the 15% Bracket. Would Bogleheads advise me to move to put future contributions into the Roth TSP? I like the tax deduction, but looking ahead the Roth coming out tax free really looks good to me. What do all of you advise? A...
by peddler12
Tue Oct 03, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: ROTH Question
Replies: 4
Views: 777

ROTH Question

I believe I know the answer to this, but want to confirm I'm correct. I'm working. My wife has not worked this year. We ARE ABLE to put contributions into her ROTH account? Is this correct? Thanks in advance for your response.
by peddler12
Thu Jul 20, 2017 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH TSP
Replies: 2
Views: 410

ROTH TSP

Hello All, My wife resigned from her position at the end of 2016. Since we are just on my salary now, we are in the 15% tax bracket as a married couple. My question is since I'm in this bracket, should I be directing contributions to the ROTH TSP instead of the deductible TSP. Your insight would be ...
by peddler12
Fri Apr 07, 2017 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Claiming Social Security
Replies: 7
Views: 1209

Claiming Social Security

Hello everyone, This question is in advance. My wife is 59 and I turn 56 next week. At the beginning of the year my wife resigned from her job to be able to take care of my mom as her caregiver. I know it's three years away at this point, but what is the best strategy for claiming Social Security? i...
by peddler12
Thu Dec 15, 2016 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund Size
Replies: 3
Views: 893

Emergency Fund Size

I'm trying to determine what size my emergency fund should be at this stage of my life. Currently I have 8 months that can be drawn from. I am 56 years old in April and my wife is 59 years old in March. Neither of us has education to fall back on. I'm looking for advice as to how many months I shoul...
by peddler12
Sat Dec 03, 2016 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Swapping Tax Exempt for Taxable
Replies: 2
Views: 658

Swapping Tax Exempt for Taxable

This year I bought Vanguard Intermediate Term Tax Exempt VWITX. I'm in the 15% tax bracket and read another post saying I should be in taxable bonds. I have about a $600.00 loss in the fund. This is not emergency fund money. Where would the best place for me to go before the end of the year. I can s...
by peddler12
Mon Aug 01, 2016 12:00 am
Forum: Investing - Help with Personal Investments
Topic: Future Contributions
Replies: 5
Views: 657

Re: Future Contributions

Since after 89 views and no responses I've moved future contributions to the G Fund. Have a good night all.
by peddler12
Sun Jul 31, 2016 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Future Contributions
Replies: 5
Views: 657

Future Contributions

With markets at all time highs, my plan is to do nothing. The change I would like to make in my TSP account is to allocate future contributions to the G Fund and pull a market timing move to put the investments into the L2030 Fund when shares are a bit more reasonably priced. I realize shares could ...
by peddler12
Mon Jul 25, 2016 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Furthering Education
Replies: 2
Views: 369

Re: Furthering Education

One additional note. I did use my certificate and worked for two years as an accounts receivable clerk at D.L. Morgan Inc.
by peddler12
Mon Jul 25, 2016 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Furthering Education
Replies: 2
Views: 369

Furthering Education

I work for a Federal Agency. OPM has negotiated with several colleges and universities for a tuition deduction of 70% off, which means I can take classes for $167.00 per credit hour. I have an interest in accounting. I've already received a certificate from Valley College of Technology with an empha...
by peddler12
Sun Jul 03, 2016 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund
Replies: 7
Views: 914

Re: Emergency Fund

I apologize for posting the 1,238 emergency fund post without using the search box. Thanks all.
by peddler12
Sun Jul 03, 2016 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund
Replies: 7
Views: 914

Emergency Fund

I'm considering putting the bulk of my emergency fund savings in Vanguard Intermediate-Term Tax Exempt Fund. I would value comments on this move. I don't like the CD route because of withdrawal penalties. One percent at Alliant doesn't entice me either. I've read the prospectice regarding risks to t...
by peddler12
Mon May 09, 2016 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: 5 years till retirement - where should my $ be
Replies: 12
Views: 2699

Re: 5 years till retirement - where should my $ be

I too turned 55 this year. My balance is less than yours. My plan moving forward is to MAX out the TSP. 18,000.00 and also the 6,000.00 catch-up contributions. If you have a ROTH IRA max it out as well. Make it your goal to live well below your means for the years remaining until you retire. The amo...
by peddler12
Sun Mar 27, 2016 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Sell Coins
Replies: 2
Views: 715

Re: Sell Coins

kenschmidt I really appreciate your time and assistance. Have a great evening.
by peddler12
Sun Mar 27, 2016 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Sell Coins
Replies: 2
Views: 715

Sell Coins

I have a very small coin collection to sell. Can someone tell me how? I have an 1845 Large Cent, some proof Nickels, and a 1964 Mint Set in plastic case. That's it. Is it worth the bother?
by peddler12
Mon Mar 07, 2016 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap Decision
Replies: 3
Views: 403

Re: Small Cap Decision

Thank you livesoft. Good thoughts. On February 12th I bought about $9,700.00 of the S Fund. Needless to say that trade has done quite well. Reading your possible scenarios leaves me unsure. I guess I just need to pray about the moves going forward. Thank you very much for your input.
by peddler12
Mon Mar 07, 2016 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap Decision
Replies: 3
Views: 403

Small Cap Decision

I want to temporarily overweight small caps. The S Fund is at 33.87 right now. I want to purchase S Fund until it returns to its high of about 37.94. Is this not a wise move?
by peddler12
Tue Mar 01, 2016 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Monthly contribution -automate or watch?
Replies: 10
Views: 1022

Re: Monthly contribution -automate or watch?

Sometimes I calculate the total number of shares purchased at the previous days price and notice how little difference there is from today's price. Dump it in. The difference isn't that much.
by peddler12
Fri Feb 26, 2016 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Moving funds from MUB to VWITX
Replies: 9
Views: 885

Re: Moving funds from MUB to VWITX

I'm not offering advice, but MUB's yield is 2.41% and VWITX yield is 1.34% and as you know they are both muni funds.
by peddler12
Sun Jan 31, 2016 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Loadable Visa?
Replies: 2
Views: 493

Loadable Visa?

I live in West Virginia. My mom lives in California and does not drive. I want her to have a card that I can load remotely from here. Does anyone know the best option for me to use?
by peddler12
Tue Jan 26, 2016 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: 15 Year Return
Replies: 3
Views: 664

15 Year Return

I did a quicken report and my 15 year return over all accounts is 3.75%. If I use Boglehead principles going forward will this improve in the future?
by peddler12
Fri Jan 15, 2016 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: 15 Year Return
Replies: 3
Views: 664

Re: AA Change

With the current 500 point plunge, for the first time in my life I'm excited about cheaper buying prices. My periodic investment goes in next Wednesday into the S Fund. 12 years until retirement.
by peddler12
Fri Jan 08, 2016 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: 15 Year Return
Replies: 3
Views: 664

15 Year Return

With the decline here at the begging of the year, I'm amazed at how little my AA has changed in my TSP account. Still learning from you guys. Haven't made any changes since January 2015. Definitely trying to stay-the-course. Thanks all.
by peddler12
Tue Nov 17, 2015 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: I'm Behind [saving for retirement]
Replies: 25
Views: 5256

Re: I'm Behind [saving for retirement]

I guess keep doing what I'm doing and work with a budget and I'll be okay. Thanks to all of you.
by peddler12
Tue Nov 17, 2015 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: I'm Behind [saving for retirement]
Replies: 25
Views: 5256

Re: I'm Behind

I'm really behind with my TSP 401K. I'm saving for both my wife and I. I'm saving 18,000 plus 5200 in catch up contributions. My balance is only 190K and I feel like I'm not going to make it. I'm 54 and going to be 55 in April. My wife is 57 and will be 58 in March. Is there a word of encouragement...
by peddler12
Tue Nov 17, 2015 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: I'm Behind [saving for retirement]
Replies: 25
Views: 5256

I'm Behind [saving for retirement]

I'm really behind with my TSP 401K. I'm saving for both my wife and I. I'm saving 18,000 plus 5200 in catch up contributions. My balance is only 190K and I feel like I'm not going to make it. I'm 54 and going to be 55 in April. My wife is 57 and will be 58 in March. Is there a word of encouragement ...
by peddler12
Fri Nov 13, 2015 12:04 am
Forum: Investing - Help with Personal Investments
Topic: TSP share prices for Quicken
Replies: 93
Views: 19798

Re: TSP share prices for Quicken

I bumped for snwbrdr18.
by peddler12
Thu Nov 12, 2015 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Quicken and the Thrift Savings Plan
Replies: 4
Views: 1783

Re: Quicken and the Thrift Savings Plan

See thread TSP Share prices for Quicken.
by peddler12
Thu Nov 12, 2015 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: TSP share prices for Quicken
Replies: 93
Views: 19798

Re: TSP share prices for Quicken

Bump for assistance.
by peddler12
Mon Nov 09, 2015 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: need income
Replies: 20
Views: 3877

Re: need income

I am 70 yr old with 250,000 to invest.I will need to withdraw about 2000 a month.Should I invest all in vtenx or split between wellington & wellesley $2,000.00 a month will last you about 11 years. Reducing your withdrawal to $1,200.00 will last about 20 years assuming you are getting a return on i...
by peddler12
Tue Oct 27, 2015 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Noisy Article
Replies: 20
Views: 2036

Re: Noisy Article

I want to thank you all for your comments. I will try to refrain from posting something like this in the future. Many good comments were made.
by peddler12
Tue Oct 27, 2015 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Noisy Article
Replies: 20
Views: 2036

Re: Noisy Article

Well, I got one thing right. I didn't open or read the article. Thank you.
by peddler12
Tue Oct 27, 2015 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Noisy Article
Replies: 20
Views: 2036

Noisy Article

As a Boglehead, how should I react when I read something like this?

Detailed technical analysis shows the stock market remains on course for a crash similar to that of either 2007 or 1929. Investors should exit their long positions.

I look forward to your responses.
by peddler12
Tue Aug 25, 2015 5:25 pm
Forum: Investing - Theory, News & General
Topic: How do you "Stay the Course"?
Replies: 78
Views: 10681

Re: How do you "Stay the Course"?

It feels so good to see the market in action and know what course of action to take which is for the most part do nothing. Can I say thank you. All of you have helped me so much. I want to say thank you.
by peddler12
Fri Aug 14, 2015 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Car Payments
Replies: 1
Views: 471

Re: Car Payments

I didn't see this thread. viewtopic.php?f=1&t=171624#p2588428 No response necessary. Thank you all.
by peddler12
Fri Aug 14, 2015 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Car Payments
Replies: 1
Views: 471

Car Payments

A couple of months ago I bought the Target Retirement Income fund in my taxable account in order to save for my next vehicle purchases. Since I have bought two vehicles in the last 2 years I will not be needing this money for at least 10 years unless my car is totaled in an accident and I survive. I...
by peddler12
Fri Jul 10, 2015 12:02 am
Forum: Investing - Help with Personal Investments
Topic: U.S. Reserve Currency Status [Target Retirement fund or gold?]
Replies: 12
Views: 1949

U.S. Reserve Currency Status [Target Retirement fund or gold?]

I've read that the U.S. may lose its place as the world's reserve currency in October or November this year. Would it be beneficial to replace Target Retirement funds with a gold etf? I lack knowledge and need advice. Thanks all.
by peddler12
Tue Apr 14, 2015 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Inflation Protected Securities Fund
Replies: 10
Views: 1497

Re: Inflation Protected Securities Fund

Thank you all for your kind comments. I will follow this advice. Is the fund in a tax advantage account. Target funds are an excellent choice and with 50% of the fund in equities and 8% in Short Term TIPS, I think you are fine. I would stay the course. I don't want to manage a 3 Fund portfolio with ...
by peddler12
Mon Apr 13, 2015 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Inflation Protected Securities Fund
Replies: 10
Views: 1497

Inflation Protected Securities Fund

I'm concerned about very high inflation over the coming years ahead. I would like to move about half of my Target Retirement 2015 into Inflation protected securities. I would like feedback on this potential move. What do you all think. Thanks in advance.
by peddler12
Thu Mar 26, 2015 10:58 am
Forum: Investing - Theory, News & General
Topic: [TSP G Fund Possible Changes]
Replies: 21
Views: 1864

[TSP G Fund Possible Changes]

With congress essentially dropping the interest rate on the G Fund to nearly 0, would it be wise to move from L2020 to L2030 so as not to be so heavily in the G Fund. My risk tolerance is not very high. Thanks for the support. It's in the new Republican budget, but not law quite yet.