Search found 111 matches

by luckyjimi
Tue Aug 25, 2009 11:23 am
Forum: Personal Investments
Topic: Mel/Taylor What is it ? a controversly?
Replies: 22
Views: 4578

Thanks Mel
No sense continuing this thread discussion.
As far as retirees, I hope some type of stimulus is offered to offset the "no Cola" decision.
by luckyjimi
Mon Aug 24, 2009 2:38 pm
Forum: Personal Investments
Topic: Mel/Taylor What is it ? a controversly?
Replies: 22
Views: 4578

TIBBITS

Paul, Yes i'm tying my comments to "NO " inflation whether your receiving SS or a new investor looking for advice on fixed income. (bonds). I'm willing to bet you right here and now that there will be no SS cost of living increases for this year. Hence no inflation(noted this day Aug 24,2009) The lo...
by luckyjimi
Mon Aug 24, 2009 12:49 pm
Forum: Personal Investments
Topic: Mel/Taylor What is it ? a controversly?
Replies: 22
Views: 4578

Taylor and Mel

First: I'm so use to seeing your Bond answers promoting Total bond in lieu of short -term bonds that i automatically didn't think of possible inflation. I posted on the Boglehead forum right after i posted on the M* diehards and haven't retrived answers to my message until today Monday at 10:00 Am w...
by luckyjimi
Sun Aug 23, 2009 3:13 pm
Forum: Personal Investments
Topic: Mel/Taylor What is it ? a controversly?
Replies: 22
Views: 4578

Mel/Taylor What is it ? a controversly?

On the Vandguard diehards forum Mell say's "short term bonds" is the way to go. Taylor insists Total bonds in his messages.since day 1. But you and Taylor in your books say Total bond Market ? I really need a detail explanation for the conterversly in Bond investing? Please make up your mind? Thank ...
by luckyjimi
Sat Aug 22, 2009 1:15 pm
Forum: Investing - Theory, News & General
Topic: Arguably the most important finance paper ever written
Replies: 17
Views: 3931

Forget Bob,Ask Kenneth Arrow if he is still alive
by luckyjimi
Thu Jul 09, 2009 12:35 pm
Forum: Personal Consumer Issues
Topic: Social Security cost-of-living increases...
Replies: 17
Views: 2462

I have a page from AARP that says no cola 2010 and no mention of 2011.
by luckyjimi
Tue Jul 07, 2009 9:27 pm
Forum: Investing - Theory, News & General
Topic: Target Retirement
Replies: 19
Views: 3538

I whole heartly agree

The TRI (vtinx) is not the fund for retirres. Several months ago i swiched basically from a tsm,total internatinal and intermediate bond and short term bond to Vtinx per recommendations on this forum for a retirre. After a quarter (3 month) distribution (recently) of the vintx ,the above configurati...
by luckyjimi
Tue Jul 07, 2009 8:37 pm
Forum: Personal Consumer Issues
Topic: Might We Be "Recovering"?
Replies: 9
Views: 1936

you missed the point

Chaz, the "op' is not talking about market timing.
He just made a statement about yester-year post's and the mood today about our portfolio's because of the market decline.
Please answer his post intelligently.

I agree with him,this can be a nice disscusion per his closing statement.
by luckyjimi
Fri Jul 03, 2009 2:59 pm
Forum: Personal Consumer Issues
Topic: OT: how do i remove a Yahoo e-mail address
Replies: 5
Views: 1519

I got the answer

google: "how to cancel yahoo identity and email account" that gets you to "how do i close my account"(1st item on google page) That gets you to "how do i close my account" After you see the red paragraph, click on "ACCOUNT DELETION " page That leads you to sign in again ,entering the yahoo id or ema...
by luckyjimi
Fri Jul 03, 2009 12:29 pm
Forum: Personal Consumer Issues
Topic: OT: how do i remove a Yahoo e-mail address
Replies: 5
Views: 1519

OT: how do i remove a Yahoo e-mail address

I have one of those yahoo throw away e-mail address that i created for a personal reason.It creates Junk mail (around 25 messages a day).
I only used it several times and no longer.

Can someone help me out with simple instructions or once an e-mail is created it stays forever?

Thank you
by luckyjimi
Tue Jun 30, 2009 8:16 pm
Forum: Personal Investments
Topic: BONDS...would it be advantageous
Replies: 3
Views: 1201

BONDS...would it be advantageous

to have about $227,226 in Vanguard "total bond index" and $ 150,000 in Inflamation Protection Sec. as versus $227,226 in total bond and $100,000 in short-term bond index..(both admiral). shares (leaving $50,000 in Inflamation Protection shares) I like the idea of getting Monthly dividends with total...
by luckyjimi
Tue Jun 30, 2009 3:41 pm
Forum: Personal Investments
Topic: Split up TR Income into separate funds?
Replies: 14
Views: 2890

Thanks alex for changing the subject of my original post.
I'm 72 and losing some ways of expressing myself but later messages hopefully will transmit my problem.

waiting to hear from people that may be retired or from interested people that can give me advice in this turmoil economy.

THANKS Thanks
by luckyjimi
Tue Jun 30, 2009 2:52 pm
Forum: Personal Investments
Topic: Split up TR Income into separate funds?
Replies: 14
Views: 2890

I did some research on vanguards HYPOTHETICAL Allocation

capabilities. Should have done that before my original message. To all my friends who responded thus far ( I expected more,Oh well): YES, i'm looking for specific control of my AA (for American mutual funds,International mutual funds,Bond funds,cash in both my IRA and Taxable Portfolio accounts.I do...
by luckyjimi
Tue Jun 30, 2009 10:12 am
Forum: Personal Investments
Topic: Split up TR Income into separate funds?
Replies: 14
Views: 2890

AM I not making myself clear?????????:

LIVESOFT You don't understand,and maybe I didn't make myself clear!! The $23,101.38 is contained in the Target Retirement income fund (vtinx) and is in my IRA portfolio. Anyway it's sitting there and i can't use it for other purchases as it is a line-item amongst several other funds that make up the...
by luckyjimi
Mon Jun 29, 2009 8:23 pm
Forum: Personal Investments
Topic: Split up TR Income into separate funds?
Replies: 14
Views: 2890

Split up TR Income into separate funds?

My portfolio consists of just one fund (Target Retirement Income (vtinx) I like this fund because of simplicity and the need to not rebalance.BUT, my concern is about the asset allocation of "short-term reserves". Today, Vanguard say's its 6.60%. Broken down it is as follows: IRA: Target Retirement ...
by luckyjimi
Thu Jun 25, 2009 3:15 pm
Forum: Personal Consumer Issues
Topic: Screening Colonoscopy
Replies: 39
Views: 6234

MY STORY

I had colonosopy tests done every 5 years starting at 45 or 50 yrs. old. Sometimes 1 or 2 polops found.Then when i had my last test about age 65 i came out clean.But on my annual physical with my prime care dr. i asked if i was due for a colonosopy,He said its only been 3 yrs since your last test an...
by luckyjimi
Thu Jun 25, 2009 11:26 am
Forum: Personal Investments
Topic: June 24th dividends
Replies: 20
Views: 4174

June 24th dividends

June 24th was Vanguard's declared dividend for many of their funds.

After checking my portfolio today (6-25 ) i see no dividend re-invested or
put into my money market account, ( I own Target Retirement Income fund ) (vtinx)
Does anyone have same problem or can answer WHY?????

Thanks
by luckyjimi
Mon Jun 15, 2009 10:07 am
Forum: Investing - Theory, News & General
Topic: Are you 'age in bonds' or 'static allocation'?
Replies: 62
Views: 9541

72 yrs old and about 6 months ago changed my portfolio to one fund

TARGET RETIREMENT INCOME
by luckyjimi
Sat Jun 13, 2009 6:51 pm
Forum: Personal Investments
Topic: Newbie Looking for Advice
Replies: 7
Views: 1440

JASON
Listen to Laura,she gave you excellent advice.
Get those credit card debts paid (priority)
In the future use of credit cards,make sure you can pay the balance when the bill arrives.
by luckyjimi
Fri Jun 12, 2009 4:49 pm
Forum: Personal Consumer Issues
Topic: Would Appreciate Feedback from Retirees in Phoenix
Replies: 25
Views: 3878

My problem,livin' here in Phoenix is i miss all the people we worked with or knew while growing up in the east coast PENNSYLVANIA/CONNETICUT. What about all your relatives ,sisters/brothers,children that are living nearby,1 hour away or 2 hours. Still living there !!!!It ends up when your 3,000 mile...
by luckyjimi
Tue Jun 09, 2009 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Question about a trust
Replies: 29
Views: 3827

Get a trust!
Make sure you go to a trust lawyer.
A trust contains many different options for many different things.
You avoid probate on all of them.

Make sure its a living trust
by luckyjimi
Tue Jun 09, 2009 7:54 pm
Forum: Personal Consumer Issues
Topic: Removing oil stain from concrete driveway
Replies: 31
Views: 13658

POOL ACID as the other poster recommended.
Can't beat the results!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
by luckyjimi
Fri Jun 05, 2009 2:34 pm
Forum: Personal Consumer Issues
Topic: Toyota RAV4 or Honda CRV
Replies: 28
Views: 8278

Just bought a RAV 4 6 cyl (model limited) last month.
Rav 4 all the way!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!1
by luckyjimi
Tue Jun 02, 2009 9:56 am
Forum: Personal Consumer Issues
Topic: Looking for a new car - experiences so far
Replies: 74
Views: 12783

I JUST BOUGHT THE TOYOTA RAV 4. Excellent (model..Limited v-6)
by luckyjimi
Wed May 27, 2009 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: car insurance premiums - is a 12% yearly increase normal?
Replies: 36
Views: 7929

I'll bet its because of your age.
in my case, "Hartford" insurance told me because both wife and I will be 72 this year "old age" warrants increase.

i checked with AAA and they quoted and told me same thing
by luckyjimi
Wed May 27, 2009 11:11 am
Forum: Personal Investments
Topic: Getting the itch
Replies: 10
Views: 2470

Go to a pharmacy and get some calamine lotion
by luckyjimi
Wed May 20, 2009 4:10 pm
Forum: Forum Issues and Administration
Topic: Difficulty in posting replies
Replies: 34
Views: 6666

Taylor
Go out and buy a mouse-trap...lol...lol
by luckyjimi
Tue May 19, 2009 12:55 pm
Forum: Investing - Theory, News & General
Topic: Putnam cutting off Morningstar
Replies: 11
Views: 4166

MY PUTNAM BACKGROUND

Way back,i think 1995 0r 1996 i transfered my 401k to an Ira to Peoples Bank in Conneticut. Not knowing about investing or loaded or non-loaded i relied on the woman broker at the bank to put my cash into action. She implied that Putnum was the way to go.I don't remember all the funds (they were all...
by luckyjimi
Sun May 03, 2009 11:22 am
Forum: Personal Investments
Topic: Does anyone have an explanation for this?
Replies: 6
Views: 1665

Does anyone have an explanation for this?

I checked my portfolio Thursday April 30th and noted the balance on my calender.I do this on the last day of every month. At the close of business day Friday May 1st, once again i checked the balance of my portfolio and it was the same figures down to the penny. This is strange as i own only one fun...
by luckyjimi
Tue Apr 28, 2009 10:31 am
Forum: Personal Consumer Issues
Topic: Dashboard indicator lights
Replies: 22
Views: 4547

Re: Dashboard indicator lights

On my way home today, my dashboard lights turned off. My indicator needles went to 0. I drove about 10 miles like this. As I turned into my driveway, they all came back to life. I looked for troubleshooting in my manual, but couldn't find any help. This is the second time this has happened in the l...
by luckyjimi
Thu Apr 23, 2009 12:11 pm
Forum: Personal Investments
Topic: Tax Break for New Auto Purchases
Replies: 15
Views: 2739

Tax Break for New Auto Purchases

I HAVE IN FRONT OF ME AN ARTICLE TITLED "UPDATE ,CURRENT NEWS FOR COSTO MEMBERS." THE AMERICAN RECOVERY AND REINVESTMENT ACT SIGNED INTO LAW IN MID-FEBRUARY,WHICH CONTAINS A PROVISION DESIGNED TO STIMULATE NEW AUTO PURCHASES. QUALIFYING BUYERS CAN DEDUCT STATE AND LOCAL SALES TAXES FOR THE PURCHASE ...
by luckyjimi
Sun Apr 19, 2009 12:21 pm
Forum: Personal Investments
Topic: dividens/distributions...I can't get an honest answer
Replies: 4
Views: 1055

dividens/distributions...I can't get an honest answer

I/ve asked this question with Vanguard and notable people on this forum including Taylor and Dsinvestor. Before i ask the question again, Yes I CAN GET THE QUARTELY DISTRIBUTIONS FOR TARGET RETIREMENT INCOME FUND ON A QUARTELY BASIS. BUT THAT'S not my question. The TR income consists of two bond fun...
by luckyjimi
Fri Apr 17, 2009 1:15 pm
Forum: Investing - Theory, News & General
Topic: total bond market /vbmfx
Replies: 31
Views: 6894

HI RETIREDJG
You mentioned that dividends for the TR funds and the underlying funds can be found on-line.
Can you please give me instructions on how to find on a monthly basis?
I'm mainly interested in the underlying TOTAL BOND MKT.INDEX
and the Inflation protected securities

Thanks
by luckyjimi
Wed Apr 15, 2009 4:20 pm
Forum: Investing - Theory, News & General
Topic: total bond market /vbmfx
Replies: 31
Views: 6894

Excellent reply to the golfer

RETIREDJG THAT WAS AN EXCELLENT (2PART) reply.I'm 72 years old and a couple months ago sold all my Vanguard stock funds and bond funds in both my Ira and taxable accounts and bought just one Vanguard fund. The name is: TARGET RETIREMENT INCOME FUND (VTINX) as you suggested to the golfer. Simplicity ...
by luckyjimi
Thu Apr 09, 2009 6:27 pm
Forum: Personal Investments
Topic: Vanguard Target Retirement Income Fund Dividend History
Replies: 3
Views: 1312

ya,i'd like the same info seeing i just put all my money into this found
by luckyjimi
Thu Apr 02, 2009 11:27 am
Forum: Personal Investments
Topic: I've got a good one for you.I recently contacted Vanguard
Replies: 13
Views: 3270

I view the OP's queston differently than that. If a bond fund held seperately pays out monthly, why does a Fund of Fund with the same bond fund get to hold onto those dividends and get to decide when to pay them to fund holders? What do they do with those 'dividends' . . . do they just sit around g...
by luckyjimi
Wed Apr 01, 2009 5:57 pm
Forum: Personal Investments
Topic: I've got a good one for you.I recently contacted Vanguard
Replies: 13
Views: 3270

I've got a good one for you.I recently contacted Vanguard

to inquire about dividend distributions.Last month i sold all my funds in my IRA and with the proceeds purchased Target Rtirement Income fund (vtinx).The REP. told me that for this fund the dividend cycle is quartely. Previous to the purchase of this fund, I owned two bond funds (inter-term and shor...
by luckyjimi
Tue Mar 17, 2009 12:28 pm
Forum: Personal Consumer Issues
Topic: NCAA Champion...One guess only
Replies: 80
Views: 10304

THE UNIVERSITY OF SCRANTON OVER THE UNIVERSITY OF BRIDGEPORT
in the final
by luckyjimi
Tue Mar 03, 2009 11:08 am
Forum: Personal Investments
Topic: Vanguard Managed Payout....
Replies: 51
Views: 9604

NISIPRIUS As a retirre and over 70 yrs. age, i must RMD every year. That is the auto pilot drawing from the TARGET RETIREMENT INCOME FUND VTINX. that I use. In addition,for a retirre, it has a FIXED ALLOCATION that benefits a retirree as far as the stock,bond,cash pertains. I know you won't become v...
by luckyjimi
Mon Mar 02, 2009 6:04 pm
Forum: Personal Investments
Topic: When Will This All Stop
Replies: 11
Views: 2600

Third law Whenever a particle A exerts a force on another particle B, B simultaneously exerts a force on A with the same magnitude in the opposite direction. The strong form of the law further postulates that these two forces act along the same line. This law is often simplified into the sentence, ...
by luckyjimi
Mon Mar 02, 2009 5:49 pm
Forum: Personal Investments
Topic: Vanguard Managed Payout....
Replies: 51
Views: 9604

rec7 wrote:If it were me I would go with Vanguard Target Retirement Income Fund or Vanguard LifeStrategy Income Fund.

I SECOND that advice
by luckyjimi
Wed Feb 25, 2009 1:12 pm
Forum: Investing - Theory, News & General
Topic: Senate Scrutinizing Target Date Retirement Funds
Replies: 93
Views: 21660

Just to let you guys know,I went ahead and called Vanguard. I emptied my Ira and exchanged to TARGET RETIREMENT INCOME . I also emptied my Taxable account (except for my Money Market fund)and exchanged to TARGET RETIREMENT INCOME. According to the Vanguard Rep. ,the TARGET RETIREMENT INCOME FUND AA=...
by luckyjimi
Tue Feb 24, 2009 1:32 pm
Forum: Investing - Theory, News & General
Topic: Senate Scrutinizing Target Date Retirement Funds
Replies: 93
Views: 21660

YDNAL
Sorry, didn't see your message.
You were posting same time as me.
I didn't realize that VTINX was a FIXED ALLOCATION. :oops:
That clears up my mis-understanding about all the AA negative comments for all the other TR FUNDS.

Apologize to you ,Talyor and the rest of the gang
by luckyjimi
Tue Feb 24, 2009 1:19 pm
Forum: Investing - Theory, News & General
Topic: Senate Scrutinizing Target Date Retirement Funds
Replies: 93
Views: 21660

Taylor Both you,Laura, ydnal gave me interesting advice on another thread swaying my decision to go with Target Retirement Income fund VTINX. Seeing that this thread was talking about TARGET RETIREMENT FUNDS (sort of in a negative way). It got me thinking if the advice that you,Laura and ydnal was i...
by luckyjimi
Tue Feb 24, 2009 12:32 pm
Forum: Personal Consumer Issues
Topic: Shopping for a pre-paid cell phone plan
Replies: 28
Views: 6487

I STILL SAY T-MOBIL IS THE BEST

Please go to one of their stores and just check it out!!!!!!
by luckyjimi
Tue Feb 24, 2009 12:16 pm
Forum: Investing - Theory, News & General
Topic: Senate Scrutinizing Target Date Retirement Funds
Replies: 93
Views: 21660

I CAN'T BELIEVE IT, NOT ONE RESPONSE TO MY MESSAGE :cry: The original subject "SCRUTINIZING TARGET RETIREMENT FUNDS" caught my eye because that day i was going to call Vanguard to have them sell all my present funds in my IRA and Taxable accounts and replace with "TARGET RETIREMENT INCOME FUND (VTIN...
by luckyjimi
Tue Feb 24, 2009 11:18 am
Forum: Personal Consumer Issues
Topic: Shopping for a pre-paid cell phone plan
Replies: 28
Views: 6487

two weeks ago,i went to a t-mobil store to look for a 2nd phone for my wife. (just foe emergencies). I lucked out because they were having a promotion and i bought a samsung cell phone originally $80 dollars for $20 dollars.(all the bells and whisteles included) I also bought a sim card (all differe...
by luckyjimi
Mon Feb 23, 2009 12:50 pm
Forum: Investing - Theory, News & General
Topic: Senate Scrutinizing Target Date Retirement Funds
Replies: 93
Views: 21660

WHAT ABOUT SOMEONE WHO IS CURRENTLY RETIRED?

I'm considering to simplify my portfolio by selling all my equties and bond funds in my IRA and Taxable accounts and using the proceeds to buy just one Vanguard Target Retirement Income (VTINX) fund in my IRA and Taxable accounts. The Vanguard rep. told me that the AA is stocks 29.78%,Bonds 65.79%,c...
by luckyjimi
Mon Feb 23, 2009 11:09 am
Forum: Personal Investments
Topic: I Have an "Extra Strength" Excederin Headache
Replies: 12
Views: 3657

Decision made

Thank you all for analyzing my portfolio and commenting on my questions. Special thanks to Ydnal,Taylor,and Laura for suggesting a more simplified portfolio. Using Vanguard's Portfolio tester for OPTION # 3 (Target Requirement Income ... Vtinx in both my IRA and Taxable accounts) revealed an AA Shor...
by luckyjimi
Fri Feb 20, 2009 4:44 pm
Forum: Personal Investments
Topic: Laura and Taylor,Can you please comment
Replies: 1
Views: 1186

Laura and Taylor,Can you please comment

on a thread i have on this forum called" I HAVE AN EXTRA STRENGTH EXCEDERIN HEADACHE". I was hoping both of you would review and add some comments. Basically all i'm asking is an answer for 3 questions and your comments on a poster named "YDNAL" recommendations. Thank you for taking the time to look...