Search found 321 matches

by nodenuff2
Mon Jan 08, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 180
Views: 18183

Re: Anyone disenchanted with retirement?

Well its been 4 years for me. Tried a little consulting the first year but really didn’t enjoy it. We have spent a little more than we anticipated but Mr. Market has also been kind. Still are positive it was the right time . Money has grown slightly so we have more than we started with. Life is good...
by nodenuff2
Mon Jan 08, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation for large sum
Replies: 35
Views: 2244

Re: Asset allocation for large sum

My guess is that you are 50ish and think that if you blow this you will never be able to retire. So if you are not going to read and educate yourself here are my suggestions on what to do with your money 1/2 in Life strategy income fund VASIX and half in the Wellesley income fund VWINX . This will g...
by nodenuff2
Sun Jan 07, 2018 3:23 pm
Forum: Investing - Theory, News & General
Topic: Memo to those who have won the game: it's time to quit playing
Replies: 210
Views: 17694

Re: Memo to those who have won the game: it's time to quit playing

Retired 4 years ago my AA is 45/45/10. Just before the year end we reached a rebalancing point for the second time last year. I’ll continue to rebalance until my kids tell me I’m slipping mentally. My ISP will tell them what to do after that.
by nodenuff2
Thu Jan 04, 2018 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Recommend Vanguard fund(s) for new Roth IRA 25 year horizon
Replies: 1
Views: 189

Re: Recommend Vanguard fund(s) for new Roth IRA 25 year horizon

Vtwsx total world including US 55% covers the entire market. Come back in 25 years and be amazed.
by nodenuff2
Wed Jan 03, 2018 6:18 pm
Forum: Investing - Theory, News & General
Topic: Did everyone in the early 80s have their money in CDs?
Replies: 77
Views: 6143

Re: Did everyone in the early 80s have their money in CDs?

1982 put 25k in a Bank cd for 2.5 years at 16% interest . Easiest 10k I ever made . Called my dad and he put in a bunch (whatever a bunch was in 1982) Never did get him to admit how much a bunch was. Old timers did not tell their kids their business back then.
by nodenuff2
Mon Dec 25, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Car Accident Insurance Question
Replies: 12
Views: 1028

Re: Car Accident Insurance Question

If you don’t have a police report get one immediately. Do you have an estimate from a reliable body shop? If you don’t have collision coverage then you need the body shop to tell you if your vehicle is worth repairing. If you do have collision coverage tell your insurer to handle this for you. Conta...
by nodenuff2
Sun Dec 24, 2017 11:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present to You
Replies: 90
Views: 8200

Re: My Christmas Present to You

Thank you Mr. Larrimore for you and your generation’s self sacrifice. May it never be forgotten.
by nodenuff2
Sun Dec 24, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Payments (MedPay) Coverage on Auto Policy
Replies: 13
Views: 886

Re: Medical Payments (MedPay) Coverage on Auto Policy

Everybody in your car gets the medical payments even your mother in law. No questions asked. Your children’s friends and your golfing buddies also. Good coverage for the cost. Keep it.
by nodenuff2
Tue Dec 19, 2017 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Best online, real time tracker to watch my portfolio
Replies: 25
Views: 1848

Re: Best online, real time tracker to watch my portfolio

Best advice I can give you is to quit obsessing over daily movements.
by nodenuff2
Thu Dec 14, 2017 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Starting my investing journey - your advice
Replies: 13
Views: 954

Re: Starting my investing journey - your advice

Young man someone sacrificed so,you would be in the position you are keep that in mind. That being said I,would take a conservative approach. Maybe half in your stock choices and the other half in CDs of short to intermediate length.
by nodenuff2
Thu Dec 14, 2017 9:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: @@Happy Holidays Bogleheads. How others here helped you?
Replies: 49
Views: 3968

Re: Holiday thanks to Bogleheads. How have they helped you?

I have learned so much from so many it would be impossible to thank each individual. So thanks to everyone who posts a response to help a newbie, encourage a late comer or asks a relevant question. I don’t post unless I think I can add something but often contemplate what has been said.
by nodenuff2
Thu Dec 14, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: What are your favorite tax deductions and credits for 2017?
Replies: 33
Views: 2185

Re: What are your favorite tax deductions and credits for 2017?

By far and away my favorite deduction will be the charitable donation deduction. When the year is over giving just encourages more giving.
by nodenuff2
Thu Dec 07, 2017 11:15 pm
Forum: Investing - Theory, News & General
Topic: National Pearl Harbor Remembrance Day
Replies: 19
Views: 1134

Re: National Pearl Harbor Remembrance Day

Thanks Mr.Larimore for remembering. My dad was there. A welder in sub repair shops. Saw way too much for a young man. My hero! As was all of his generation.
by nodenuff2
Fri Nov 10, 2017 8:58 pm
Forum: Investing - Theory, News & General
Topic: Do you keep anything in your portfolio as a monument to your bad decisions?
Replies: 69
Views: 5298

Re: Do you keep anything in your portfolio as a monument to your bad decisions?

I bought 1500 shares of C (citi) at 4.98 . It was about 3 months later it did the unthinkable a reverse share split. It has recovered some will never return o the levels of 07-09 pre crash. I keep it even though now I have a little profit as a reminder .
by nodenuff2
Sun Nov 05, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 42
Views: 3379

Re: Heavy duty cordless drill/hammerdrill recommendation

I really have been satisfied with the performance of my Hitachi cordless tolls.
by nodenuff2
Thu Nov 02, 2017 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Uninsured motorist coverage on umbrella
Replies: 15
Views: 1232

Re: Uninsured motorist coverage on umbrella

I worked as the exact opposite of what a personal injury lawyer does for a long time managing litigation and resolving bad situations. If a drunk driver swerves into your lane causing you life changing injury such as a brain injury or paraplegic injury or worse to your child. Then your medical insur...
by nodenuff2
Wed Nov 01, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Uninsured motorist coverage on umbrella
Replies: 15
Views: 1232

Re: Uninsured motorist coverage on umbrella

Um coverage is for the folks in your car! If 1 million is enough coverage for the folks that regularly ride in your vehicles then no do not add it but if you think they are worth 2 million then pay the 400 bucks to endorse the Umbrella for the extra coverage. Umbrella insurance is for really bad cat...
by nodenuff2
Tue Oct 24, 2017 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Can one have too much money in tax-deferred
Replies: 128
Views: 12293

Re: Can one have too much money in tax-deferred

When working I put all my savings into a 401K for 32 years at the same time I was participating in a defined benefit plan. When I retired I took a percentage of the value of the dbp as a lump sum and rolled into a Vanguard IRA with my 401K also. As a result we now have my SS DW SS a pension and head...
by nodenuff2
Wed Oct 11, 2017 10:18 pm
Forum: Investing - Theory, News & General
Topic: 10 year anniversary of the beginning of the Great Recession
Replies: 45
Views: 4673

Re: 10 year anniversary of the beginning of the Great Recession

I was 58 and looking forward to a comfortable retirement. At the bottom I apologized to my wife for the 50% loss in my 401k and our Ira's. Had open heart surgery that following year but stayed the course 100 equity until I turned 62 then started on a glide path towards 50/40/10 . Market was very goo...
by nodenuff2
Sun Sep 24, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 9374

Re: Age you retired

Retired after 42 years with the same company unheard of in today's environment. Been retired 4 years no going back. 64 when I left.
by nodenuff2
Sat Jul 08, 2017 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone use ANNUITIES for SOME of their retirement funds?
Replies: 61
Views: 4835

Re: Does anyone use ANNUITIES for SOME of their retirement funds?

When I retired I had the option to lump sum my defined benefit plan. I took 40% as an annuity the rebalance as a lump. Longevity runs in my wife's family . She had been SHM so I wanted to create an income stream for her in case I go early. 3+ 1/2 years into it I have no regrets. That and my social s...
by nodenuff2
Tue Jun 06, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: Trailer Towing Tidbits? [and epilogue]
Replies: 52
Views: 3827

Re: Trailer Towing Tidbits?

Don't leave home without a spare and the tools needed to change it. You can't depend on trailer rental company for timely service often it is the next day. The calvery is not coming to your rescue. Make sure you check the bearings on the wheels or have a competent person todo it for you . Check the ...
by nodenuff2
Fri May 05, 2017 11:48 pm
Forum: Personal Consumer Issues
Topic: Road trip to western states
Replies: 38
Views: 2629

Re: Road trip to western states

Independence rock in Wy. Is of historical importance for the way to the west. Mailboat on Lake Chelan Washington is by far the most beautiful ferry boat ride in America 2 offbeat ideas for you to consider
by nodenuff2
Fri May 05, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: Tips From Older Bogleheads?
Replies: 52
Views: 5639

Re: Tips From Older Bogleheads?

Save in 3 vehicles 1. Tira 2. Roth IRA 3. Taxable . We put all into a Tira as a Roth came late n our investing life. Should have saved more in taxable.
by nodenuff2
Sat Apr 29, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Helping adult children
Replies: 80
Views: 10108

Re: Helping adult children

We have 2 grown children. One has 2 kids one has 3. We try to help with some things like guitar lessons riding lessons travel sports. We try to be equal with the grandkids so the money might not be equal between our children but is between grandkids. We don't keep track to the penny. When we give to...
by nodenuff2
Fri Apr 21, 2017 1:40 pm
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 97
Views: 13562

Re: Single most important investing advice?

Start now. Time in the market is what counts. Don't try to time the market!
by nodenuff2
Tue Feb 21, 2017 7:36 pm
Forum: Investing - Theory, News & General
Topic: Interesting study on impact of providing investors feedback
Replies: 37
Views: 2057

Re: "Investors Respond to Feedback"

Thank you Mr. Larimore for taking so much time to help us little guys. You are a blessing to us.
by nodenuff2
Mon Feb 20, 2017 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: How to Split Pension
Replies: 58
Views: 5207

Re: How to Split Pension

This is a very personal decision. Do you have a pension? Would t be a financial burden to you without her income? We took the joint amount but my wife had no pension. We didn't want to gamble if I died early.
by nodenuff2
Mon Feb 20, 2017 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall, investing, insurance?
Replies: 41
Views: 4435

Re: Windfall, investing, insurance?

Whole live is a terrible deal for but great for the agent selling it. Just say no. Buy a million each in term for you and your wife. Wife should have total say over her inheritance. She should pay off any of her debts but you should handle yours without using her money. She should fund her retiremen...
by nodenuff2
Fri Feb 17, 2017 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Decision - Trad vs Roth
Replies: 44
Views: 1962

Re: 401k Decision - Trad vs Roth

Klang having some inRoth if you have no savings outside your Ira you can replace roofs,cars vacations without having to pay taxes on top off the expensive items. Another way to diversify.
by nodenuff2
Fri Feb 17, 2017 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 66
Views: 9306

Re: What Do You Keep In Your Bank Safe Deposit Box?

Bank lockbox holds cash and gold. Safe at home holds all the paper titles and old deeds
by nodenuff2
Fri Feb 17, 2017 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Decision - Trad vs Roth
Replies: 44
Views: 1962

Re: 401k Decision - Trad vs Roth

Do you get a company match? If so put enough in traditional to get the match put the rest in Roth. Split the baby.
by nodenuff2
Fri Feb 17, 2017 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Decision - Trad vs Roth
Replies: 44
Views: 1962

Re: 401k Decision - Trad vs Roth

Do you get a company match? If so put enough in traditional to get the match put the rest in Roth. Split the baby.
by nodenuff2
Fri Feb 10, 2017 2:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 35483

Re: Your USER NAME...what does it mean?

Not enough to "retire" until I did one day
by nodenuff2
Sat Feb 04, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: Car totalled. Need advice on which insurance company to file a claim?
Replies: 30
Views: 2710

Re: Car totalled. Need advice on which insurance company to file a claim?

Either way don't you need a rental car until this is sorted out . A commercial carrier like a taxi will have insurance. Make sure the taxi reported it to their insurance company. Check locally to determine value. Look at your car realistically. Document value by compables. Report it to your company ...
by nodenuff2
Thu Feb 02, 2017 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement Cost coverage for home?
Replies: 4
Views: 617

Re: Replacement Cost coverage for home?

Actual cash value means if you need a roof from a covered peril it will only be partially paid based on useful life. Replacement cost means you will pay your deductible and get a new roof without depreciation. Coverage are better with a replacement policy. Difference in price is just not worth the d...
by nodenuff2
Thu Feb 02, 2017 9:52 pm
Forum: Investing - Theory, News & General
Topic: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?
Replies: 90
Views: 9139

Re: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?

Withdrawal phase 3 years in. 6 Funds 51.7 stocks 37.5 bonds 10.8 cash stocks 80 US 20 International Vtsax, Vfiax, Vtblx Vmmxx Vtiax and one old actively managed fund I have held for 30+ years. Withdraw cash as needed. Dividends and interest go into cash. Closing in on rebalancing levels. Drawing SS ...
by nodenuff2
Sat Jan 28, 2017 12:11 pm
Forum: Investing - Theory, News & General
Topic: Try and hit it big with 25% of your portfolio?
Replies: 51
Views: 5620

Re: Try and hit it big with 25% of your portfolio?

This is an old guy's thoughts. In my 30's I tried commodity trading. Result. Disaster! In my 40's I tried individual no miss individual stocks. Result? Watched World Com go sky high and then back down . Another Disaster. Turned to index investing after that. Results? Terrific financial results and a...
by nodenuff2
Tue Jan 10, 2017 4:16 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 224
Views: 21605

Re: How Bad was 2008, really?

I was 58 in 2008. In the middle of the decline I admitted to my wife how much we had lost approximately 250k . I knew we would be ok because I had a marvelous pension plan . We started increasing our contribution by half of our raise each year. We stayed the course and retired in Jan. 14 having full...
by nodenuff2
Mon Jan 09, 2017 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: To those with a pension...
Replies: 52
Views: 7664

Re: To those with a pension...

No saved like I didn't have a pension Was at a high stock allocation until about 5 years from retiring moved to 50/40/10 stock bond cash since retiring 3 years ago.
by nodenuff2
Wed Jan 04, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance payout legal language
Replies: 7
Views: 1342

Re: Insurance payout legal language

I spent many years in the claims business. When someone complained about the release language here is what I told them" By signing this agreement it means that no matter what else happens this is all you are ever going to get no matter what else happens" The language was drawn up by lawyers to prote...
by nodenuff2
Sun Jan 01, 2017 1:51 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 710
Views: 35251

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

2405.85 Good luck everyone. Taylor wishing you the very best this year. Thanks for all you have taught me.
by nodenuff2
Sat Dec 31, 2016 1:32 pm
Forum: Investing - Theory, News & General
Topic: 2016 Boglehead Contest Winners
Replies: 22
Views: 2674

Re: 2016 Boglehead Contest Winners

Congratulations to the sage Roverdog.
by nodenuff2
Mon Nov 07, 2016 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Keep company truck or get allowance?
Replies: 10
Views: 1323

Re: Keep company truck or get allowance?

Given the liberal personal use of the company vehicle continue to use their vehicle not yours. I drove a company vehicle 40 years the personal use is worth 10k minimum a year.
by nodenuff2
Sun Jun 19, 2016 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Fair to the kids, help educate the grandkids?
Replies: 26
Views: 3162

Re: Fair to the kids, help educate the grandkids?

We currently help grandchildren with things like camp, music lessons school clothes etc . We help as needed but don't try to keep score. When we think about the future we have discussed leaving an equal amount to each grandchild and more to each child. We will)hel each child get as much education as...
by nodenuff2
Wed May 18, 2016 4:45 pm
Forum: Personal Consumer Issues
Topic: Did your children ever completely move out?
Replies: 53
Views: 5328

Re: Did your children ever completely move out?

Just the opposite they continue to bring their too good to discard stuff from their houses to ours where it is stored in the gigantic attic storage space. It is ok with me though as we intend to die in this house then it will be their problem. HEHEHE! I'll get even with the little pack rats.
by nodenuff2
Thu May 12, 2016 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: What was your hardest retirement transition?
Replies: 61
Views: 11312

Re: What was your hardest retirement transition?

Simple there were 2 issues 1. Giving up the company credit card. 2. Turning in the keys to the company car provided to me for all 42 years I worked for the man. No it was not the same car .
by nodenuff2
Wed May 11, 2016 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a good idea?
Replies: 5
Views: 1032

Re: Trade US note fore TBF?

The note is a US Treasury note with 7.5 remaining. It represents about 25% of my total fixed income.
by nodenuff2
Wed May 11, 2016 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Is this a good idea?
Replies: 5
Views: 1032

Is this a good idea?

So I have this 10 year note that is about 02.5 years old pays 2.75. I could sell it and net about 9% more than face value then roll it into. My total bond fund. Is it worth the trouble or just let it ride?