Search found 96 matches

by jasg
Sat Jun 22, 2019 1:58 pm
Forum: Personal Investments
Topic: Asset Allocation - Risk
Replies: 15
Views: 1435

Re: Asset Allocation - Risk

I presume your way of lowering risk would be to go into bonds? If so, I would just like to add this cautionary bit I read about in the Financial Times today. <snip> (Not sure if this was directed to me) Bonds are not my primary risk reduction. TIAA Traditional is essentially a stable value fund tha...
by jasg
Sat Jun 22, 2019 12:55 pm
Forum: Personal Investments
Topic: Asset Allocation - Risk
Replies: 15
Views: 1435

Re: Asset Allocation - Risk

Some who have won the game keep on investing rather aggressively. Maybe to maximize money for heirs or charity. I take the opposite approach - more toward asset preservation. At 71 my overall allocation is 43/57 so on the conservative side of moderate. Earlier in retirement I couldn't decide if 60/...
by jasg
Fri Jun 21, 2019 9:48 pm
Forum: Personal Consumer Issues
Topic: Tree stump, can't use a stump grinder. Solution?
Replies: 64
Views: 6430

Re: Tree stump, cant use a stump grinder. Solution?

lthenderson wrote:
Thu Jun 20, 2019 2:07 pm
My method of choice is a pulaski fire axe and a few hour workout.
A friend once recounted a story about a large stump removed in an afternoon by a couple of Cambodian refugees with nothing but machetes. It was the way they had always done it.
by jasg
Sun Apr 14, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: Cleaning shingles (moss & mildew)
Replies: 27
Views: 3019

Re: Cleaning shingles (moss & mildew)

The thing I like about sodium carbonate over other common solutions like laundry soap, zinc powders & Wet 'n Forget is the low environmental impact.
by jasg
Sat Apr 13, 2019 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap pricing and Medicare generally
Replies: 21
Views: 1631

Re: Medigap pricing and Medicare generally

Seasonal wrote:
Sat Apr 13, 2019 8:23 am
1) Are there web sites which list the available Medigap plans, and their pricing, in a given area? We're in NYC if that helps.
Try this site : https://www.dfs.ny.gov/consumers/health ... lans_rates
by jasg
Sat Apr 13, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: Cleaning shingles (moss & mildew)
Replies: 27
Views: 3019

Re: Cleaning shingles (moss & mildew)

A family member used to live in your area and a zinc strip under the ridge shingles does wonders - but roofers hate to install them. They would rather your roof last for a shorter time... Another approach is to put down a line of Arm & Hammer washing soda (sodium carbonate from the laundry aisle or ...
by jasg
Sat Mar 30, 2019 2:03 pm
Forum: Personal Investments
Topic: Would you change your stock/bond allocation if you had access to an unusually generous stable value fund? (TIAA Trad)
Replies: 48
Views: 2987

Re: Would you change your stock/bond allocation if you had access to an unusually generous stable value fund? (TIAA Trad

<snip> I can't say for sure whether this is "right," but I, too, had important money in TIAA Traditional, and what I did was, basically, divided my total portfolio into "stocks" and "not-stocks." In thinking of TIAA Traditional, since its purpose was to be part of my retirement savings, something t...
by jasg
Wed Mar 27, 2019 1:30 pm
Forum: Personal Investments
Topic: 403b to roll over traditional IRA or ROTH IRA at at 67 years old
Replies: 7
Views: 605

Re: 403b to roll over traditional IRA or ROTH IRA at at 67 years old

As others have noted, conversions from 403b to a Roth can be a good idea, but it depends on your tax bracket when you do that. Simply rolling a 403b to a regular IRA is another question. In my mind, it makes sense only when the IRA gives you access to different or lower fee investments. In my case, ...
by jasg
Wed Mar 27, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: New Honda CR-V vs. 2-3 Year Old CR-V?
Replies: 68
Views: 5714

Re: New Honda CR-V vs. 2-3 Year Old CR-V?

Make sure you consider this problem, From other articles, I'm not sure Honda is even going to fix it.

https://www.cars.com/articles/fix-comin ... 703180990/
by jasg
Mon Feb 04, 2019 5:02 pm
Forum: Personal Investments
Topic: Help Convincing Spouse
Replies: 60
Views: 4834

Re: Help Convincing Spouse

Graphs and charts over decades did not convince my wife.

So I explained the 4% rule and pointed out that 1% fee would mean we would be paying the advisor 25% of our retirement income each year.
by jasg
Mon Feb 04, 2019 3:20 pm
Forum: Personal Investments
Topic: We won the game, went to 50/50, but it just doesn't feel right
Replies: 108
Views: 12725

Re: We won the game, went to 50/50, but it just doesn't feel right

When I retired in 2013, I also was about 50% stock funds. My reason was to reduce volatility during the first seven years of retirement leading up to starting SS at age 70 in 2020. Things have done okay financially over the past six years and I'm no longer particularly concerned about a major crash...
by jasg
Sat Oct 06, 2018 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 155
Views: 14664

Re: What is your annual cost for health insurance?

My wife and I are on Medicare with a HD MediGap F plan. $3000/ea per year with ~ $2240/ea deductible. No CoPays, everything covered after deductible. Separate Part D but we don't need much drug coverage - generics only, never hit the deductible of $405. Cost has increased 30% over five years! We are...
by jasg
Sat Jul 07, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 203
Views: 24632

Re: What I spent in 6 months on medicare

$2K in 6 months? x2 for husband & wife, approx x2 for whole year. $8K. Wow. :shock: That is a line item in the budget that I didn't expect. I didn't realize it was so expensive. Wife and I have been on Medicare since 2014 - five years of P art B, MediGap F (high deductible) and Part D. Combined six...
by jasg
Sat Jul 07, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 203
Views: 24632

Re: What I spent in 6 months on medicare

$2K in 6 months? x2 for husband & wife, approx x2 for whole year. $8K. Wow. :shock: That is a line item in the budget that I didn't expect. I didn't realize it was so expensive. Wife and I have been on Medicare since 2014 - five years of Part B, MediGap F (high deductible) and Part D. Combined six ...
by jasg
Thu Feb 08, 2018 1:42 pm
Forum: Personal Investments
Topic: Why does my wife have this portfolio?
Replies: 32
Views: 4730

Re: Why does my wife have this portfolio?

Look at this from her point of view. You have a few men (they call themselves bogleheads :shock: ) on an internet forum that agree with your views. She has an adviser that she know and trusts. Tell her you've seen the light and you're now a boglehead...see how that goes. And ... her portfolio might...
by jasg
Wed Feb 07, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 135
Views: 33089

Re: Replacement for Google Finance price quote function

Any chance you have a daily change function using the marketwatch quote? Let's look at the original function for the closing NAV and the source itself: =VALUE(Right((Index(ImportHtml(CONCATENATE("http://bigcharts.marketwatch.com/advchart/frames/frames.asp?symb=",B2,"&insttype=Fund"), "table"),3,1))...
by jasg
Sun Jan 28, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: The biggest problem in retirement is spending (not)
Replies: 118
Views: 12897

Re: The biggest problem in retirement is spending (not)

Medicare doesn't help with LTC. Medicaid does if you are destitute. However, I wouldn't want to be in that situation... +1 on being cautious about relying on Medicaid to bail you out. If you want a wakeup call go visit an LTC facility that accepts Medicaid. At least in our area they are not a place...
by jasg
Thu Jan 25, 2018 11:35 pm
Forum: Personal Investments
Topic: Turn 75,000 into 1 million
Replies: 42
Views: 8499

Re: Turn 75,000 into 1 million

I did it, so you should be able to as well. Actually, it was $75k at 41 and $2M at 65 (and I had been retired for 5 years). I put 15% of my gross pay into a 401k (but should have maxed out the contribution - $18.5k this year). I could not take advantage of a Roth IRA but saved aggressively - more th...
by jasg
Wed Jan 24, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 171
Views: 23174

Re: How does everyone keep track of your portfolio?

I used to use Google Sheets to track our 5 retirement funds but recently it seems to be a bit flakey, so I have switched to a simple Numbers spreadsheet on my iPad. Three columns for Symbol, Shares and Balance. Numbers turned out to be simpler than Sheets and updates at 6PM EST if you need very curr...
by jasg
Sun Jan 21, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: Starting LATE for retirement
Replies: 31
Views: 3502

Re: Starting LATE for retirement

Age 43 Married Current traditional ira 75,500 Savings 7,000 cash No mortgage No car loans No credit card debt No school loans It can be done. I had $95k invested and a mortgage at 43 (1992). Retired at 61 with $1.5M (2010). I saved $3-4k/month - over 40% of paycheck at times. All raises and bonus c...
by jasg
Sat Jan 20, 2018 12:51 pm
Forum: Personal Investments
Topic: Choosing 403(b) TIAA Investments
Replies: 22
Views: 2830

Re: Choosing 403(b) TIAA Investments

10% *TIAA Traditional (or do 20% and skip CREF Bond) (but be aware Trad has trading restrictions) This can be true but there are two main varieties of TRAD. I have both - one is fully liquid and I move funds in and out at will. The other is limited to 10 periodic withdrawals. Either could be annuit...
by jasg
Fri Jan 19, 2018 9:33 pm
Forum: Personal Investments
Topic: Choosing 403(b) TIAA Investments
Replies: 22
Views: 2830

Re: Choosing 403(b) TIAA Investments

I like TIAA. It has two unique options that are hard to match with other firms - TIAA Traditional and TIAA Real Estate. I use TRAD in place of bond funds - it is a stable value fund, currently yielding 3.25%. If bond yields rise, I will reconsider. I use TRAD, TINRX and TEQKX as my TIAA "Three-fund"...
by jasg
Fri Jan 19, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 198
Views: 19098

Re: Stats on When People Take Social Security

I agree with your point that it's a totally personal choice. However, it's not thousands more per month, but close. I'm trying to wait, but still a couple of years from 62 with a maximum earnings record. The difference between 62 and 70 for me is over $1600/month (nearly $20K per year). That seems ...
by jasg
Tue Jan 16, 2018 11:27 pm
Forum: Personal Investments
Topic: Question for Retired BH, over 59.5 with Roth Acct
Replies: 10
Views: 1062

Re: Question for Retired BH, over 59.5 with Roth Acct

Planning for D. RMDs will be sufficient and leave no need for A, B or C.
by jasg
Tue Jan 16, 2018 11:15 pm
Forum: Personal Investments
Topic: Investing in Vanguard through TIAA-CREF
Replies: 41
Views: 5612

Re: Investing in Vanguard through TIAA-CREF

I am very happy with TIAA. No pressures at all from advisor. Former employer's plan offers Vanguard Institutional index funds. I use those in a three-fund portfolio. In addition, I use GSRA (liquid) TIAA Traditional @3.25% as a big part of my fixed income allocation. I hold about 15% TIAA Real Estat...
by jasg
Sun Jan 14, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Estimating health care expenses in retirement
Replies: 12
Views: 2022

Re: Estimating health care expenses in retirement

I like a degree of certainty, so I bought a MediGap plan as soon as I turned 65 (avoiding the chance of denial). Along with that, I had to buy a Medicare Part D drug policy. Since the MediGap covers the 20% of costs Medicare does not cover, I can simply sum up the premiums for Parts B & D, MediGap a...
by jasg
Tue Jan 09, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 670
Views: 96346

Re: Year 2000 retirees using the '4% rule' - Where are they now?

Willthrill, The problem I have with this whole conversation is: I' am 23 years old. My mortality is age 100 - age 23 = 77 more years. I cannot wrap my head around the 4% Trinity (guideline) of selling off my portfolio & making it last 40, 50, 60 years & then be able to pass down wealth to my childr...
by jasg
Sun Dec 17, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Medicare Medical Insurance
Replies: 21
Views: 1824

Re: Medicare Medical Insurance

I got a worse letter. Mine went up to $187.50 because of a one time capital gains bump that took our MAGI too high. I had not paid attention to the fact that you pay 25% of your PartB cost and that can ramp up to 80% with a high MAGI. I have been on Medicare + MediGap + PartD for 5 years. In those 5...
by jasg
Wed Nov 29, 2017 2:47 pm
Forum: Personal Investments
Topic: Fidelity vs TIAA-CREF for new retirement account
Replies: 23
Views: 14324

Re: Fidelity vs TIAA-CREF for new retirement account

I had a similar choice to make but close to retirement instead of at the beginning. At age 64, I rolled my Fidelity 401k to TIAA. In my 20s I worked for an employer that set up a small TIAA-CREF RA (regular Retirement Account) for me. I left the account open and almost 40 years later discovered that...
by jasg
Sun Nov 05, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 289
Views: 62862

Re: Yahoo! Quote Not Working

I tried http://download.finance.yahoo.com/d/quotes.csv?s=VZ and got It has come to our attention that this service is being used in violation of the Yahoo Terms of Service. As such, the service is being discontinued. For all future markets and equities data research, please refer to finance.yahoo.c...
by jasg
Fri Oct 20, 2017 6:44 pm
Forum: Personal Investments
Topic: TIAA Questions
Replies: 13
Views: 1826

Re: TIAA Questions

Just a post to say I use TIAA and feel very fortunate to be able to do so, TRAD and TREA have been great for diversification and I also have both VG and TIAA mutual funds in my 403b and Roth accounts. I only spent 5 years out of a 40 year career with the institution that established a small RA accou...
by jasg
Tue Oct 17, 2017 10:21 pm
Forum: Personal Investments
Topic: 18 Year Old - Starting Investment
Replies: 8
Views: 1050

Re: 18 Year Old - Starting Investment

Show him this to reinforce his wise decision.

http://www.darwinsfinance.com/start-inv ... y-amazing/
by jasg
Tue Sep 19, 2017 8:30 pm
Forum: Personal Investments
Topic: Retiree Roth Withdrawals
Replies: 10
Views: 1575

Re: Retiree Roth Withdrawals

When I start RMDs (and if I have exhausted non-retirement funds) I plan on Roth withdrawals when I need funds that would push me into the next tax bracket.
by jasg
Tue Sep 19, 2017 8:24 pm
Forum: Personal Investments
Topic: TIAA (GSRA) Traditional
Replies: 9
Views: 1406

Re: TIAA (GSRA) Traditional

Yep, TREA is not a REIT. I consider myself fortunate to be able to diversify with it (and to have been able to get past the $150k limit). I currently carry 15% in TREA and 25% in TRAD. The little 1980 RA from my employer was a bit more than $2100 in contributions - split 50/50 between TRAD and CREF ...
by jasg
Mon Sep 18, 2017 9:30 pm
Forum: Personal Investments
Topic: TIAA (GSRA) Traditional
Replies: 9
Views: 1406

Re: TIAA (GSRA) Traditional

IIRC, the current GSRA Traditional is 3.25%. In a GSRA it is fully liquid, unlike a RA where it is usually subject to the 10 year withdrawal. I treat it as a stable value bond replacement. I love TIAA but I did it the other way around and moved into it rather than out after moving to a new job. In 2...
by jasg
Wed Aug 30, 2017 10:39 pm
Forum: Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 171
Views: 62300

Re: Time to reach 1M and 2M milestones

- At the end of 1989, at age 40, I had about $80k invested, 75% retirement funds. (This was after 7 years at a 'real' job and was 1.5x my salary.) - At the end of 1999, at age 50, I had a million invested. 78% retirement funds. - 2007, $1.6M (lost $700k by March 2009 but held firm) - At the end of ...
by jasg
Sun Apr 30, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Best universal remote for TV/home theater
Replies: 8
Views: 1432

Re: Best universal remote for TV/home theater

I have used a Harmony Smart Control for several years, supports 8 devices. $100 on Amazon. It is a simple RF remote that talks to a hub that is an IR blaster - fills the room with the IR signal as the IR bounces off the walls. No need to point the remote. Mine sits on the top of a rack with my AV eq...
by jasg
Thu Apr 27, 2017 9:48 pm
Forum: Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 171
Views: 62300

Re: Time to reach 1M and 2M milestones

- At the end of 1989, at age 40, I had about $80k invested, 75% retirement funds. (This was after 7 years at a 'real' job and was 1.5x my salary.) - At the end of 1999, at age 50, I had a million invested. 78% retirement funds. - 2007, $1.6M (lost $700k by March 2009 but held firm) - At the end of 2...
by jasg
Tue Apr 25, 2017 4:34 pm
Forum: Personal Investments
Topic: Moving my mother's obscure funds to Vanguard
Replies: 14
Views: 2155

Re: Moving my mother's obscure funds to Vanguard

There ought to be a law... My mom was in the same boat, an 'advisor' recommended by 'someone at church' sold her into a bunch of high-fee front-loaded funds and a variable annuity that worked out very well for HIM. $500k that barely budged in 10 years because every time he changed firms, he sold and...
by jasg
Tue Apr 25, 2017 4:23 pm
Forum: Personal Investments
Topic: understanding TIAA-CREF
Replies: 22
Views: 2784

Re: understanding TIAA-CREF

TIAA Traditional is a pretty amazing investment instrument to have access to. Think twice before you get rid of it. :sharebeer +1 !!! Thanks to a job 4 decades ago, I had a small TIAA 403b that had done very well with no attention at all. Previous employer let me move my IRA & 401k into TIAA and I ...
by jasg
Wed Sep 21, 2016 5:50 pm
Forum: Personal Investments
Topic: Thoughts on TIAA Traditional and TIAA Real Estate given my AA?
Replies: 20
Views: 3209

Re: Thoughts on TIAA Traditional and TIAA Real Estate given my AA?

After 30 some years with a trivial amount in an old TIAA RA 403b, I found that I could roll my Fidelity 401k and TIRA into a GSRA in my old employer's TIAA 403b. It offers VG index funds, so I feel I got the best of both worlds. I was limited to $150k for TREA in the GSRA but found I could also hold...
by jasg
Wed May 28, 2014 6:46 pm
Forum: Personal Investments
Topic: Should I keep my TIAA account?
Replies: 31
Views: 3101

Re: Should I keep my TIAA account?

Last year, I realized that I had a long ignored TIAA RA account with an old employer. I was at a point where I needed to consolidate a tIRA and 401k. I found that the TIAA plan I held had access to the full suite of TC funds at the Institutional share level (very, very low ERs). I was allowed to op...
by jasg
Wed May 28, 2014 4:46 pm
Forum: Personal Investments
Topic: Should I keep my TIAA account?
Replies: 31
Views: 3101

Re: Should I keep my TIAA account?

Last year, I realized that I had a long ignored TIAA RA account with an old employer. I was at a point where I needed to consolidate a tIRA and 401k. I found that the TIAA plan I held had access to the full suite of TC funds at the Institutional share level (very, very low ERs). I was allowed to ope...
by jasg
Mon May 05, 2014 12:42 am
Forum: Personal Investments
Topic: Husband's 403b. Help Me Understand TIAA CREF, Please!
Replies: 15
Views: 1793

Re: Husband's 403b. Help Me Understand TIAA CREF, Please!

Having access to the Institutional class funds is very good. They typically have a very low ER. Last year I realized that a (long ignored) small account I had held with TIAA-CREF had similar funds so I moved both my IRA and 401k accounts into my 403b. Since I also have access to Traditional and Real...
by jasg
Sat Jan 25, 2014 2:44 pm
Forum: Personal Consumer Issues
Topic: Seattle as a place to live?
Replies: 74
Views: 11432

Re: Seattle as a place to live?

I have lived in Seattle since 1989 and love it. Had lived in Pittsburgh, DC and Northern California. Good friends of mine just downsized into a new townhouse development in Columbia City and love it. Just a short walk from the light rail, so easy access to downtown and the airport. Columbia City is ...
by jasg
Sun Jan 19, 2014 3:34 pm
Forum: Personal Consumer Issues
Topic: Is there a low cost cell phone plan, limited minutes?
Replies: 66
Views: 7109

Re: Is there a low cost cell phone plan, limited minutes?

T-Mobile has a web only $30/mo plan that I use. 100 minutes and unlimited text/data. You need an unlocked GSM phone and a SIM card you can buy online.

http://www.walmart.com/ip/T-Mobile-SIM-Kit/24099996
by jasg
Wed Jan 15, 2014 11:39 am
Forum: Personal Investments
Topic: 23 Year Old About to Start Work
Replies: 16
Views: 1854

Re: 23 Year Old About to Start Work

Congrats on starting so early and adopting a live below your means approach. One mental trick that helped me was to use direct deposit to my taxable savings from each paycheck. As I got raises and bonuses, I had those routed to savings as well. Only monthly living expenses wet to checking. I occasio...
by jasg
Fri Jan 03, 2014 6:37 pm
Forum: Personal Investments
Topic: TIAA-CREF or Fidelity for 401A
Replies: 15
Views: 2579

Re: TIAA-CREF or Fidelity for 401A

I was heading towards a Vanguard or Fidelity index fund portfolio with my tIRA and 401k when I realized I could use an old TIAA-CREF account and get Traditional and TREA as well as institutional class index funds. TIAA-CREF won - and my plan still has a brokerage window where I can still buy outside...
by jasg
Mon Dec 16, 2013 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare and Cancellation of Non Conforming Insurance
Replies: 20
Views: 2248

Re: Obamacare and Cancellation of Non Conforming Insurance

Another little fact gets no press is that eHealthInsurance.com got permission in July to sell exchange and ACA approved plans. The drawback is that you have to wait until 2014 tax return time for subsidies (if you qualify).