Search found 26 matches

by ocdokie
Fri Oct 30, 2015 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 477
Views: 58316

Re: Changes to Social Security

Because you will not yet have "attained age 62" by the end of 2015, you will be subject to the new deemed filing rules.


Rats! I'll re-read this thread from the beginning, because I still don't understand "deeming." I greatly appreciate you responding to my question.
by ocdokie
Fri Oct 30, 2015 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 477
Views: 58316

Re: Changes to Social Security

Wow, my head is spinning. Thanks for the explanations, Mike. Most of the examples in this thread seem to be of spouses who are fairly close in age. My DH (64) and I (57) are 7 years apart in age. We've always planned for him, as the higher earner, to take SS at age 70. Assuming he files at 70, can I...
by ocdokie
Mon Oct 20, 2014 11:29 am
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 16058

Re: How do you wash your car?

I chose "full service car wash" but I only do it about 3 times per year. (We have so little rain for months on end that the car rarely looks dirty.) In the community in which I live in SoCal, we're discouraged from washing our cars in our driveways because: (1) we're in a severe drought an...
by ocdokie
Mon Jun 23, 2014 10:12 am
Forum: Personal Consumer Issues
Topic: A day in Dachau?
Replies: 38
Views: 3619

Re: A day in Dachau?

I remember my parents talking about their visit to Dachau in the late 1950s. Dad was U.S. military and had duty stations is both France and Germany during this time. He, Mom, and older sibs decided to visit Dachau one weekend. Although Dad had a vague idea where it was, there were no signs. More tha...
by ocdokie
Mon Feb 10, 2014 6:34 pm
Forum: Personal Consumer Issues
Topic: Bogleheads and Fast Food
Replies: 77
Views: 6221

Re: Bogleheads and Fast Food

In-N-Out. I get a hamburger and DH gets Animal Fries. I'm always amazed at how cheerful and friendly the staff are; where on Earth do they find those kids? They're real, aren't they, not animatronic?
by ocdokie
Sat Feb 08, 2014 7:24 pm
Forum: Personal Consumer Issues
Topic: I'm feeling old today
Replies: 97
Views: 9351

Re: I'm feeling old today

Nah you are not old unless you can remember Johnnny Carsons' first show or Jack Paars' last show or maybe watching the Beatles on Ed Sullivan So according to you, I'm old? That Beatles' performance was 50 years ago tomorrow. I was 6 years old and remember it vividly -- I refused to believe that boy...
by ocdokie
Wed Jul 10, 2013 5:43 pm
Forum: Investing - Theory, News & General
Topic: Retiree poll: What are you doing with your interest/dividend
Replies: 24
Views: 2175

Re: Retiree poll: What are you doing with your interest/divi

Retread wrote:
CABob wrote:I am reinvesting dividends within my IRA and am taking dividends from my taxable account into a money market/savings account. This is perhaps not suitable for all, but, seems to be the generally recommended consensus from this board.

Me too.
Bruce

+1
by ocdokie
Thu Mar 28, 2013 2:00 pm
Forum: Personal Consumer Issues
Topic: can i buy my sportscar?
Replies: 129
Views: 12219

Re: can i buy my sportscar?

I understand you wanting that car. In my mid-40's mid-life crisis, I bought a 2-year-old Porsche Boxster (Guard Red convertible with red brake calipers, thank you very much). I intended to keep the car for at least 10 years, which is usual for me. Unlike you, though, DH and I had no debt and no kids...
by ocdokie
Mon Mar 11, 2013 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct - A Cautionary Tale
Replies: 15
Views: 3573

Re: Treasury Direct - A Cautionary Tale

I haven't been able to login to my Treasury Direct account in years, so I am not even sure if it still exists. I lost the account number, too. Do my account assets escheat to some state agency if I don't have any contact with Treasury Direct in 5 years? They've never e-mailed me nor sent me any not...
by ocdokie
Sun Mar 10, 2013 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct - A Cautionary Tale
Replies: 15
Views: 3573

Treasury Direct - A Cautionary Tale

For those of you who deal with Treasury Direct ("TD"), you'll be relieved to know that they're on the ball when it comes to online account security. I'm just passing my story along so y'all won't make the same mistake I did. The interest paid on the Treasury securities is automatically dep...
by ocdokie
Sun Feb 10, 2013 2:37 pm
Forum: Investing - Theory, News & General
Topic: Retire earlier or wealthier?
Replies: 25
Views: 4469

Re: Retire earlier or wealthier?

I voted for spend and give more, though not beacuse it would be my preference. I liked "both." However, a poll like this can bypass a sober truth: a nice 50% pop in net worth may not be the sole variable in finding oneself able and ready to retire. For me, making it to age 60 at work mean...
by ocdokie
Fri Sep 14, 2012 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Am I better off without a budget?
Replies: 38
Views: 3595

Re: Am I better off without a budget?

ddunca1944 wrote: Being retired, I want to know where every dollar goes. I also want to know that when we spend money on discretionary things like travel, that we can really afford it.

If we did not have a budget, we'd both be afraid to spend a dime and would be needlessly penurious.


+1
by ocdokie
Fri Sep 14, 2012 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Decided on AA - but how to implement it?
Replies: 15
Views: 1379

Re: Decided on AA - but how to implement it?

Pingo, thanks so much for the link. It looks as if it will indeed be helpful. Just the kind of feedback I need on TIAA-CREF's options.
by ocdokie
Thu Sep 13, 2012 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Decided on AA - but how to implement it?
Replies: 15
Views: 1379

Re: Decided on AA - but how to implement it?

Synergy, thanks for sharing your experience in moving your assets from TIAA to Vanguard! It's a relief to know that it went smoothly for you and your wife. I think you were wise to take your time. Once I decide on something, I tend to want things done NOW. Fortunately, my DH provides a balance to my...
by ocdokie
Wed Sep 12, 2012 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Decided on AA - but how to implement it?
Replies: 15
Views: 1379

Re: Decided on AA - but how to implement it?

You make a good point, letsgobobby -- why take the additional risk that comes with equities, when we may already have "enough" to get us through the rest of our lives? Here's my thinking, based on a long-held, gut-wrenching fear of ending up a bag lady. We don't have children or other lega...
by ocdokie
Wed Sep 12, 2012 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: How do you set up your budget?
Replies: 23
Views: 2147

Re: How do you set up your budget?

Is there a reason you prefer paying your expenses with checks, rather than credit cards? I use mint.com too, but like ThatGuy I pay for everything with a credit card (whose balance is paid off every month, so no finance charges, ever. That's important to me). Mint does a good job of sorting and cate...
by ocdokie
Wed Sep 12, 2012 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Decided on AA - but how to implement it?
Replies: 15
Views: 1379

Re: Decided on AA - but how to implement it?

Thanks for your input, Peter! The more I think about it, the more I like the idea of rolling most of the TIAA-CREF money over into Vanguard, and keeping only the unique options that TIAA has (the "direct" real estate option and the "guaranteed" quasi-stable value option). Ducky, ...
by ocdokie
Wed Sep 12, 2012 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Decided on AA - but how to implement it?
Replies: 15
Views: 1379

Re: Decided on AA - but how to implement it?

Thanks for your suggestions, Steve! Rolling all our tax-deferred accounts over to Vanguard is something we've thought about. How nice, for simplicity's sake, it would be to have almost everything under one "roof." I do hope some Bogleheads who're familiar with TIAA-CREF will chime in on wh...
by ocdokie
Wed Sep 12, 2012 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Decided on AA - but how to implement it?
Replies: 15
Views: 1379

Re: Decided on AA - but how to implement it?

Thanks for your reply, pkcrafter! I've answered your questions in red below. Questions 1. To help achieve our desired asset allocation, we’d like to put a big chunk of our current cash into equity funds (about $385K). How should we implement our desired allocation? Can we do this in a tax-efficient ...
by ocdokie
Wed Sep 12, 2012 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Decided on AA - but how to implement it?
Replies: 15
Views: 1379

Decided on AA - but how to implement it?

Almost a year ago, I made my first post on this forum, seeking advice on one piece of our portfolio (my 457b plan’s investment options). (If you’re interested, here’s a link to that post: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=84873 .) I got some great input from Mike Piper and Pete...
by ocdokie
Fri Jun 15, 2012 10:48 am
Forum: Personal Consumer Issues
Topic: Foreign film night recommendations.
Replies: 124
Views: 9145

Re: Foreign film night recommendations.

The Vanishing

Dutch film, French language. Horror/thriller, no blood or gore, just the smiling face of psychopathology.

http://rogerebert.suntimes.com/apps/pbc ... 50302/1023
by ocdokie
Mon Apr 23, 2012 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on groceries?
Replies: 134
Views: 14965

Re: How much do you spend on groceries?

I had no idea either until I've started using Mint.com couple on months ago.


+1.
by ocdokie
Mon Apr 23, 2012 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on groceries?
Replies: 134
Views: 14965

Re: How much do you spend on groceries?

$300 per month, groceries only. Household of 2 retired adults who are indifferent eaters and 1 rabbit who demands the best fruits, vegetables, and salads.
by ocdokie
Fri Jan 20, 2012 6:25 pm
Forum: Investing - Theory, News & General
Topic: POLL: At what net-worth does an individual become wealthy?
Replies: 78
Views: 7899

Re: POLL: At what net-worth does an individual become wealth

ZZ wrote:You are wealthy when more money won't change where you live, what you eat, what you wear, what you drive or who you sleep with.
Unknown


Am I semi-wealthy if I can say that four out of these five are true for me?
by ocdokie
Fri Oct 28, 2011 12:45 am
Forum: Investing - Help with Personal Investments
Topic: Seeking advice on 457b options
Replies: 5
Views: 421

Re: Seeking advice on 457b options

Thanks for your replies, Oblivious and Peter! Your observations that DH, with his 403b plan, and I, with my 457b plan, should have a single overarching asset allocation between us makes good sense, but for some reason, trying to figure out TIAA-CREF's investment options is hard for me. For what it's...
by ocdokie
Thu Oct 27, 2011 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking advice on 457b options
Replies: 5
Views: 421

Seeking advice on 457b options

I’m brand new to this site and am soliciting your opinions for how to simplify my 457b plan account holdings. Although I’ve read a few basic investing books (along the lines of “A Random Walk Down Wall Street”), I freely confess my lack of investing knowledge. The little reading I’ve done has convin...