Search found 22 matches

by boomerbaby
Sat Dec 28, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: Best holiday gift you gave this year
Replies: 40
Views: 3077

Re: Best holiday gift you gave this year

A few years ago we were given an old go cart by a neighbor who moved. My grandson often tried to start it. He could get it going sometimes, then the carburetor conked out, the front tires dry rotted, the seat belt broke, the kill switch didn't work and more. DH passed away almost 2 years ago. He wou...
by boomerbaby
Tue Dec 17, 2019 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Does this ROTH conversion make sense?
Replies: 3
Views: 398

Does this ROTH conversion make sense?

After reading many of your thoughtful comments regarding ROTH conversions, I am considering converting to ROTH without triggering increased Medicare costs. DH and I missed the boat for ROTH conversions earlier in life. He passed away in 2017. This is the first year I will file single. It's also the ...
by boomerbaby
Wed Feb 20, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: Advisability of Using a Personal Trainer at the Gym
Replies: 52
Views: 4254

Re: Advisability of Using a Personal Trainer at the Gym

True confession: I am in early 7'0's and fortunate to be healthy without "earning" my health. I can no longer test fate. My insurance (Aetna) recently added the Silver Sneakers program so I went to the Y this week to take advantage of this free-to-me program which includes the use of all Y facilitie...
by boomerbaby
Thu Feb 07, 2019 8:58 pm
Forum: Personal Investments
Topic: Portfolio Issues, Help Please?
Replies: 11
Views: 952

Re: Portfolio Issues, Help Please?

My 5 year Penfed CD's @3%, which I learned about Bogleheads, just matured. I discovered a 3.2% 18 month Jumbo CD at Suncoast Credit Union which I transferred these funds to today. Suncoast CU deposit has to be "new money". If interested, one must be a resident of one of 40 FL counties, graduated fro...
by boomerbaby
Mon Feb 22, 2016 1:09 pm
Forum: Personal Investments
Topic: Serious procrastinator requests help…
Replies: 9
Views: 1552

Re: Serious procrastinator requests help…

Thanks for your responses, niceguy, Leerar and Bsteiner. Should we decide about the Roth conversions first? Was thinking of stopping SS for a year to stay within the 15% bracket...is that crazy?

I see that a Lifestrategy fund like would make choices simpler.
by boomerbaby
Mon Feb 22, 2016 11:48 am
Forum: Personal Investments
Topic: Serious procrastinator requests help…
Replies: 9
Views: 1552

Re: Serious procrastinator requests help…

Most is traditional: HIS 0.5% ROTH Cash Fidelity 24% Traditional IRA cash Fidelity 13% Traditional IRA CD Suncoast CU @ 2.1% 30% Traditional IRA VTI US Index (.05) 3.2% Traditional IRA FSIVX Intl Index (.12) 1.5 % Traditional IRA BND (.10) HERS 2.5% ROTH Cash Fidelity 0.5% Traditional IRA Cash Fidel...
by boomerbaby
Mon Feb 22, 2016 10:31 am
Forum: Personal Investments
Topic: Serious procrastinator requests help…
Replies: 9
Views: 1552

Serious procrastinator requests help…

Last Fall DH fired his FA and we immediately converted expensive mutual funds (43%) to index funds. Then the market began wide swings and chatter about bonds/interest rates commenced. Since then we have been frozen. I know this is causing us to lose $. DH and I are 68 and both retired. Total portfol...
by boomerbaby
Tue Sep 22, 2015 5:39 pm
Forum: US Chapters
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 98
Views: 31317

Re: Tampa, FL Chapter

I would also like to attend near Tampa. I think that makes 5 ...
by boomerbaby
Sun Sep 20, 2015 5:46 pm
Forum: Personal Consumer Issues
Topic: Family Car Recommendations
Replies: 85
Views: 9934

Re: Family Car Recommendations

Definitely look at the Camry and widen your search area. In the past ten years we never had any trouble with our '04 Camry, just normal maintenance. At the end of August we searched for a nearly new 6 cylinder Camry, Avalon or Accord for under $25K. to replace our 6 cylinder '04 Camry LE with 187k m...
by boomerbaby
Mon Aug 24, 2015 9:32 am
Forum: Personal Investments
Topic: Request your thoughts about managing our own 3 fund portfolio
Replies: 5
Views: 892

Re: Request your thoughts about managing our own 3 fund portfolio

Thanks 22twain and BL. I will sell the GOOG. Just didn't realize some of it is tax free.
by boomerbaby
Sun Aug 23, 2015 9:28 pm
Forum: Personal Investments
Topic: Request your thoughts about managing our own 3 fund portfolio
Replies: 5
Views: 892

Re: Request your thoughts about managing our own 3 fund portfolio

Hodor, thank you for your reply. I had no idea there is a 0% capital gains rate. Taxable income for 2014 was 67,290. For 2015 the 15% bracket will be $74,900. Assuming 2015 would be about the same taxable income, are you saying that we could take a capital gain of $7,610 and pay 0% tax?
by boomerbaby
Sun Aug 23, 2015 7:55 pm
Forum: Personal Investments
Topic: Request your thoughts about managing our own 3 fund portfolio
Replies: 5
Views: 892

Request your thoughts about managing our own 3 fund portfolio

Thanks to the clear Boglehead principles you outline so patiently in this informative forum, DH just fired (he says “traded”) his FA. I have been following “lazy” portfolios and reading the BH forum and sending DH pertinent discussions from BH. He is now a believer and looking for reassurance that w...
by boomerbaby
Mon May 11, 2015 3:17 pm
Forum: Personal Investments
Topic: Portfolio Visualizer Look Back Question
Replies: 2
Views: 331

Re: Portfolio Visualizer Look Back Question

Thanks. Will do. By the month is what I want.
by boomerbaby
Mon May 11, 2015 2:53 pm
Forum: Personal Investments
Topic: Portfolio Visualizer Look Back Question
Replies: 2
Views: 331

Portfolio Visualizer Look Back Question

It appears I can only look back by the year, not the month, on Portfolio Visualizer. Is this correct?

I would like to look back to April 1 of 2013. Is there a way to do this that I am missing? If not, do you know of another website that I can use?

Thanks for your help ...
by boomerbaby
Sun Jan 18, 2015 8:11 pm
Forum: Investing - Theory, News & General
Topic: Buying Worst Rated Stocks Outperforms the Market
Replies: 8
Views: 1974

Re: Buying Worst Rated Stocks Outperforms the Market

Sounds like George Constanza who theorized that doing the opposite would make him successful, so he approached a girl and said "I am unemployed and I live with my parents" ..and she responded favorably. OTOH it might more likely be Kramer who would buy Radio Shack stock today.
by boomerbaby
Thu Mar 20, 2014 11:00 pm
Forum: Personal Investments
Topic: Novice seeks advice
Replies: 2
Views: 467

Re: Novice seeks advice

Thanks, will keep the Dodge and Cox for now although the .64 is irritating after what I have learned from you Bogleheads. We will buy two 10K I bonds. I am glad to have learned about I bonds here. I like how you explained viewing TECO and Reaves as small and mid cap tilt in domestic since DH wants t...
by boomerbaby
Thu Mar 20, 2014 2:35 pm
Forum: Personal Investments
Topic: Novice seeks advice
Replies: 2
Views: 467

Novice seeks advice

I have rearranged my questions to follow your format thanks to kerplunk and Get2bOutdoors. I am a novice seeking advice about investing half of our total funds. My goal is a three fund portfolio. When he retired my husband placed the other half, his 401K rollover, with an advisor. That 401K AA is 60...
by boomerbaby
Sat Mar 08, 2014 6:24 pm
Forum: Personal Investments
Topic: Rip Van Winkle and wife wake up and ask for help...
Replies: 2
Views: 727

Rip Van Winkle and wife wake up and ask for help...

We have been asleep (regarding fees) twice as long as Rip Van Winkle. I read about Lazy Portfolios a few years ago and was attracted to the simplicity and math supporting low fee indexing, but, overwhelmed by choices, never put theory into practice. Now, at 67, we are finally wide awake. After perus...
by boomerbaby
Mon Feb 10, 2014 10:46 pm
Forum: Personal Consumer Issues
Topic: Boglehead investment philosophy in career
Replies: 9
Views: 1192

Re: Boglehead investment philosophy in career

Investment Philosophy Applied to College/Major choice. Could one use the Boglehead philosophy to consider the value of college education, college major and MBA. Tuition is through the roof and jobs for grads today are tougher to find. See: http://www.boombustblog.com/blog/item/9025-value-your-colleg...
by boomerbaby
Sat Nov 23, 2013 6:51 pm
Forum: Personal Consumer Issues
Topic: Masters in Mental Health Counseling
Replies: 21
Views: 1741

Re: Masters in Mental Health Counseling

In mental health the level of respect, education and reimbursement top down appears to be: Psychiatrist - MD ( who may or may not do actual talk therapy, most prescribe.) Psychologist, PHD (talk therapy) Licensed Clinical Social Worker, MSW Mental Health Counselor, BA or MA An 'LCSW' is a licensed c...