Search found 153 matches

by nbseer
Sun Nov 19, 2017 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Bond fund in a ROTH
Replies: 28
Views: 2187

Re: Bond fund in a ROTH

I split my Roth funds between Wellseley fund and money market... use it as a potential emergency fund for things like a car, new roof, to replenish my normal living expenses. It's nice to be able to have access to cash tax-free whenever I need it. Already in retirement, took SS at 65, doing Roth con...
by nbseer
Sun Oct 29, 2017 8:14 pm
Forum: Investing - Theory, News & General
Topic: Bernstein's bond choice for cowards and ST IG
Replies: 28
Views: 3274

Re: Bernstein's bond choice for cowards and ST IG

I had all of my fixed income in VFSUX, but due to fears of interest rate increases and price drop, put it all in 1-year CD's paying 1.5%. I know that's less than VFSUX current yield, but didn't want to see that price go down. Plan on buying new CD's hopefully at a higher rate a year from now.. does ...
by nbseer
Mon Oct 23, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: Favorite HIIT Workouts
Replies: 24
Views: 1671

Re: Favorite HIIT Workouts

Stationary bike, random hill program. Pedal like crazy going up, take it easy in between, 20 minutes is all it takes. Intersperse with 120 pushups, dumbbell curls, presses, lat pulldowns, etc.. every other day, you will be in great shape!
by nbseer
Thu Oct 19, 2017 8:25 pm
Forum: Investing - Theory, News & General
Topic: For those near retirement and rebalanced to Bonds...
Replies: 34
Views: 3627

Re: For those near retirement and rebalanced to Bonds...

Been retired 3 years, taking SS, DW getting spousal benefit. Have gone almost 100% to 1-2 year CDs, but mostly because I was lucky to ride the bull market in the 1990s.. will also be getting a pension in a few years, and have enough in my tIRA that my main concern in a few years will be the 'tax tor...
by nbseer
Sat Oct 07, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7710

Re: Do you want your receipt?

Since I use my Citi cashback card for just about every purchase, I always get a receipt and keep it until I go online and make sure the proper amount has been charged. Seems like the receipt is the only proof you have if a charge is wrong. Just a habit of mine!
by nbseer
Mon Oct 02, 2017 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond Index IRA vs CD IRA
Replies: 9
Views: 889

Re: Total Bond Index IRA vs CD IRA

I've shifted all of my IRA bond funds into mostly short-term one-year CDs that pay 1.5%. That's a bit less than the short-term Vanguard bond fund I was in, but I figure a year from now interest rates will be higher than they are now resulting in a loss of capital in the bond fund. When the one-year ...
by nbseer
Sat Aug 26, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Desperate to get rid of mosquitoes, what else could we try?
Replies: 62
Views: 4314

Re: Desperate to get rid of mosquitoes, what else could we try?

If you have ground cover, ivy, etc. growing alongside the foundation of your house rip it out. We had terrible mosquitoes, situation got better after I removed all the stuff growing low to the ground along the house.. mosquitoes breed and live in that stuff.
by nbseer
Wed Aug 23, 2017 5:37 pm
Forum: Investing - Theory, News & General
Topic: Mike Piper and CDs
Replies: 54
Views: 6386

Re: Mike Piper and CDs

Retired.. have enough... want to preserve principal and don't need more appreciation in my tIRA and Roth.

75% CDs.. mostly short-term held in Vanguard...
25% VFSUX (Vanguard short-term investment grade bond fund Admiral) can be made available for re-balancing in case of stock market decline.
by nbseer
Tue Aug 22, 2017 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: What do you do with RMD money you don't need?
Replies: 51
Views: 4555

What do you do with RMD money you don't need?

If you're fortunate enough to have more $$ than you need to live on from RMDs/Social Security and possibly a pension, what do you do with the excess money from your RMDs? Do you spend it on the things you always lusted after, re-invest it (stocks or bonds/cds?), make donations to charity, or give it...
by nbseer
Sat Jul 15, 2017 8:38 pm
Forum: Investing - Theory, News & General
Topic: depleting accounts in retirement
Replies: 27
Views: 5251

Re: depleting accounts in retirement

I've been using Roth money as an emergency fund... new garage door, emergency car repair, etc. I converted at the 15% tax rate, and if I took more out of my tIRA, that would increase my taxes.. don't want to do that.
by nbseer
Tue Jul 11, 2017 4:31 pm
Forum: Investing - Theory, News & General
Topic: Hundreds laid off at Fidelity
Replies: 22
Views: 4548

Hundreds laid off at Fidelity

Despite record profits, Fidelity laying off a lot of people today (Tuesday).

https://www.axios.com/layoffs-at-fideli ... 62317.html
by nbseer
Thu Jul 06, 2017 6:56 pm
Forum: Investing - Theory, News & General
Topic: "Bond wipeout has just begun"???
Replies: 84
Views: 12457

"Bond wipeout has just begun"???

So is this "really" the end of the multi-year bond rally? And if bonds/bond funds are in for a long period of declining prices, and stocks are pricey, what do you do? Sit it out in a money market fund making nothing (and actually losing money to inflation)? https://www.bloomberg.com/news/articles/20...
by nbseer
Mon Jun 19, 2017 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: AA with a pension
Replies: 15
Views: 1926

Re: AA with a pension

I am retired age 65, will wait until 70 to start taking my multi-employer pension since it increases about 9% every year I wait. I would consider it as fixed income, but am very conservative and have most of my tIRA in CDs. Have already started taking SS so DW can get spousal benefit, and use that S...
by nbseer
Fri Jun 16, 2017 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Direct CD vs. Brokered CD
Replies: 18
Views: 2130

Re: Direct CD vs. Brokered CD

A few months ago a Vanguard FA told me he thought new CD issues of no more than 2 year duration were the best at this time.

So that's what I bought in my tIRA... will re-evaluate when they come due over the next 2 years, and hopefully when rates are higher.
by nbseer
Wed Jun 14, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2648
Views: 849885

Re: What Book Are You Currently Reading? Part VI

"Sapiens: A Brief History of Humankind" by Yuval Noah Harari. Fascinating examination of the rise of Homo Sapiens over the other species that did not survive, like the Neanderthal. Calls the "agricultural revolution" the greatest fraud ever, how it enslaved people to work in the fields, leading to a...
by nbseer
Tue May 23, 2017 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 17105

Re: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)

How about this? Retired, higher-earner DH starts SS at FRA of 66, allowing lower-earner DW to begin spousal benefits. Do Roth conversions until RMDs start at 70 1/2, using the SS payments to pay the taxes. With total SS for both around $42,000, and trying to live off just the SS, it's taxed at just ...
by nbseer
Mon May 22, 2017 7:22 pm
Forum: Investing - Theory, News & General
Topic: Zacks says sell Wellesley!?
Replies: 92
Views: 12647

Zacks says sell Wellesley!?

Zacks has a "strong sell' rating (it's worst possible ranking) on Vanguard Wellesley (VWIAX). Complete with scary red warning! What's up with that?
by nbseer
Fri Apr 07, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: Enough to Retire, but the Tax Bill is a shock
Replies: 58
Views: 9278

Re: Advice Needed: Enough to Retire, but the Tax Bill is a shock

For those fortunate enough to get a pension: Use the pension money to pay the taxes on Roth conversions. If you don't get a pension, take SS maybe at age 65, and use that money to pay the conversion tax. If married filing jointly, keep the Roth conversion under $44,000 (if you need to do that much) ...
by nbseer
Sun Feb 26, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: tax calculators don't agree!
Replies: 6
Views: 891

tax calculators don't agree!

Trying to plan for estimated federal tax payments this year, I've been testing with both Turbotax Taxcaster

https://www.turbotax.intuit.com/tax-too ... taxcaster/

and efile.com's

https://www.efile.com/tax-service/tax-calculator/

Turbotax says I get a refund of several hundred dollars, yet efile says I'll owe over $1,000!

What gives? Which one do I trust?
by nbseer
Sat Feb 18, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Roth as emergency fund question
Replies: 1
Views: 314

Roth as emergency fund question

I'm planning on starting Roth conversions this year, up to the 15% marginal tax bracket. Would probably use this Roth account as an emergency fund sometime in the next 10 years. It's in Vanguard.. but their MM fund pays less than 1%. Would it make more sense to just take a withdrawal from my tIRA an...
by nbseer
Fri Feb 10, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Saved too much? What do you splurge on?
Replies: 90
Views: 10415

Re: Saved too much? What do you splurge on?

I agree with giving cash gifts to children while I'm still alive and they are in their 20's, just getting started... But my concern with depleting huge amounts of our savings would be an unexpected medical crisis... we don't have LTCI and would self-fund any stay in rehab-long term care, etc. That c...
by nbseer
Fri Feb 03, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Do ROTH conversion or not?
Replies: 23
Views: 2651

Re: Do ROTH conversion or not?

I'm converting from tIRA to Roth over the next 5 years (from age 65-70, before starting to take pension) at the 15% marginal tax bracket not only to lower the amount subject to RMD, but also to have a tax-free source for big expenses... new roof, cars, etc.
by nbseer
Fri Feb 03, 2017 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Andrews 3% CD or Total Bond Market?
Replies: 44
Views: 8477

Re: Andrews 3% CD or Total Bond Market?

FWIW, I recently moved half my IRA holdings from Vanguard to Fidelity. A Fidelity bond desk guy said the best CDs to buy now are 2-year new issues... which is what I'm doing (I'm in retirement and very conservative!). I'm totally out of all my Vanguard bond funds, seeing higher inflation and interes...
by nbseer
Sat Jan 14, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs. Fidelity [Customer Service Reputation]
Replies: 73
Views: 6519

Vanguard vs. Fidelity [Customer Service Reputation]

I just transferred 50% of my IRA from Vanguard to Fidelity, to take advantage of Fidelity's cash bonus offer. It's just been a few days, but already I am impressed with the increased amount of communication from Fidelity compared to what I get from Vanguard. Does Fidelity have a better reputation fo...
by nbseer
Fri Dec 02, 2016 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: 30/70 Allocation in a rising rate environment
Replies: 2
Views: 950

30/70 Allocation in a rising rate environment

With stocks at all-time highs, and fixed income (bonds) dropping at the prospect of interest rate hikes and possibly inflationary economic policies, a question: How would an allocation of 30% stocks and 70% bonds perform if stocks were to drop, say, 20% because of inflation/rate hikes? Would bonds r...
by nbseer
Tue Nov 22, 2016 1:39 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 276
Views: 40239

Re: Retreat to cash

Call me a scaredy-cat.. but back in September I decided to play it safe and sold all my Vanguard bond funds in my tIRA, putting it into the money market. I am retired, have hit my 'number' and am more interested in preserving my principal, don't really need further gains. Figure I escaped $20,000 in...
by nbseer
Sun Nov 20, 2016 9:11 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard Inflation-Protected Securities Is a Top Pick."
Replies: 23
Views: 4345

Re: "Vanguard Inflation-Protected Securities Is a Top Pick."

"... this fund, which has an 8.3-year duration, making it highly sensitive to changes in interest rates. . . ." Which is why I will stay away from this... look at the last two weeks.. TIPS instruments seem to have fallen just as badly as other bond funds, and interest rates have only begun...
by nbseer
Thu Oct 06, 2016 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion recharacterization question
Replies: 2
Views: 286

Roth conversion recharacterization question

Let's say my goal is to convert $50,000 from tIRA to Roth. I put $25,000 in a bond fund in one Roth IRA, and another $25,000 in a stock fund in a 2nd Roth IRA. In the ensuing year, stocks drop and bonds rise... let's say stocks drop to $15,000. So I want to recharacterize the stocks Roth conversion ...
by nbseer
Mon Oct 03, 2016 12:36 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 42483

Re: The Bogleheads' "100 Things Worth Every Penny" List

My 2 bikes (road and hybrid) that keep me in shape, give me pleasure on beautiful days... my DW who gets so much fun shopping at thrift stores (lucky me... it could have been Nordstrom's!).. Paying for daughter's college and seeing her now in a science career that doesn't pay a whole lot but brings ...
by nbseer
Mon Sep 26, 2016 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: When to collect Social Security - Please check my logic
Replies: 16
Views: 2635

Re: When to collect Social Security - Please check my logic

I have a future pension that increases 9% every year I wait until age 70.. I realize that's probably not the norm but because of that, I'm starting SS at age 65 and waiting on the pension... this also allows DW to get spousal benefit, which is more than twice what she gets on her own work record.
by nbseer
Wed Aug 10, 2016 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: SSA painless experience!?
Replies: 5
Views: 1005

SSA painless experience!?

Applied on the SSA website to begin SS and medicare in a few months... was expecting things to go wrong,, have to go to the local office,, sit there forever before getting help etc. But to their credit, this was a very painless experience. Got a phone call the next day from a woman at SSA, who asked...
by nbseer
Mon Aug 08, 2016 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: IRA to Roth IRA conversion
Replies: 31
Views: 2490

Re: IRA to Roth IRA conversion

Another strategy of Roth conversions which I'm planning to use is to build up a cache of tax-free money for potential large future expenses, like a retirement property, big home maintenance projects, etc. Doing conversions from the tIRA into a Roth, keeping to the 15% marginal tax bracket, and payin...
by nbseer
Wed Aug 03, 2016 8:32 am
Forum: Personal Consumer Issues
Topic: Points/Miles Schemes - Waste of time or worth it?
Replies: 76
Views: 7022

Re: Points/Miles Schemes - Waste of time or worth it?

This was more worth it about 20 years ago when airlines like American were offering triple miles on certain routes. We flew free to Hawaii several times. Problem now is airlines make you jump through so many hoops to get scarce free seats it's not worth it in my opinion. Instead of one-stop flight, ...
by nbseer
Sat Jul 16, 2016 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Moving More Money into Cash as Retirement Gets Closer
Replies: 18
Views: 2284

Re: Moving More Money into Cash as Retirement Gets Closer

For a few years before retiring I built up cash in my money market fund.. it's worked out well, paying for living expenses and allowing me to keep tIRA withdrawals (and taxable income) low until I start taking SS at age 65.
by nbseer
Fri Jul 01, 2016 3:58 pm
Forum: Personal Consumer Issues
Topic: Most frustrating company with worst customer service
Replies: 21
Views: 1774

Re: Most frustrating company with worst customer service

You may not believe this but Comcast has improved over the past year or so.. they put some competent people in charge of improving their terrible customer service and my dealings with phone reps has actually been pretty good...
by nbseer
Fri Jul 01, 2016 2:01 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1584
Views: 282059

Re: What are you up YTD? [Year To Date]

Up around $35,000 year to date.. almost 100% Vanguard bond funds.. I'm retired, don't need to take any risk in the stock market.. with no sign of interest rates soaring anytime soon, bonds have been performing well.
by nbseer
Fri Jun 24, 2016 7:34 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1584
Views: 282059

Re: What are you up YTD? [Year To Date]

At all-time high today after Brexit, thanks to being virtually 100% in short and intermediate term bonds.
by nbseer
Mon Jun 13, 2016 9:54 pm
Forum: Investing - Theory, News & General
Topic: Inevesting Mistakes or Regrets
Replies: 49
Views: 5818

Re: Inevesting Mistakes or Regrets

Playing around with options in the 80's and 90's.. shoulda just bought the stocks and never sold them. Instead of making a few hundred and losing a few hundred.. could have made some real money.
by nbseer
Fri Apr 15, 2016 11:51 am
Forum: Investing - Help with Personal Investments
Topic: OK to spend Roth funds early in retirement?
Replies: 13
Views: 2525

Re: OK to spend Roth funds early in retirement?

That's what I plan to do.. converting from tIRA to Roth up to the 15% tax bracket from age 65-70, then using that stash of tax-free money in the event I want to move to a new home, other large expense, etc. There will still be a good amount left over in tIRA plus I will be getting a pension/ss to li...
by nbseer
Mon Mar 14, 2016 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone heard of this.. spousal 'back benefits'??
Replies: 1
Views: 717

Has anyone heard of this.. spousal 'back benefits'??

Has anyone ever heard of this before? Spousal 'back benefits' that pay a lump sum when a spouse older than FRA files for spousal benefits?


http://www.financial-planning.com/news/ ... 930-1.html
by nbseer
Wed Feb 03, 2016 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 9101

Re: What age did you retire

61...after almost 40 years of 50 hour weeks in a very fast-paced and stressful job. Probably as a carry-over of that mindset, I try to find something of substance to do every day in retirement, whether its going into the city to meet daughter for lunch, going to the gym or long bike ride, or even so...
by nbseer
Sun Jan 31, 2016 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Where to Put Investment - Roth or Taxable Acct
Replies: 6
Views: 1154

Re: Where to Put Investment - Roth or Taxable Acct

So tell me if this makes sense: I have an oil stock in my Vanguard tIRA that has lost 50%... have no plans on selling it until it recovers years down the road. Does it make sense to convert this into my Roth IRA at Vanguard, paying 15% tax now, rather than keep it in the tIRA and eventually pay regu...
by nbseer
Wed Jan 27, 2016 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Who came closest to a $0 [taxes due]?
Replies: 62
Views: 5157

Re: Who came closest to a $0 [taxes due]?

$0 Fed and state (NJ) taxes. Only took a small amount from tIRA to qualify for ACA subsidy (I'm retired but below Medicare age).. used Synchrony MM for most of 2015 expenses and DW's SS payments were not taxed at all. However, I do owe an additional $190 to the ACA, for getting a bit too much subsidy.
by nbseer
Thu Jan 14, 2016 4:05 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2648
Views: 849885

Re: What Book Are You Currently Reading? Part VI

Just finished "1Q84" by Haruki Muratami. Centers on a religious cult, two long-lost lovers, a blurring of reality and fantasy. I've gotten hooked on Muratami, have now read most of his stuff.. very intriguing.
by nbseer
Wed Dec 30, 2015 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Question
Replies: 30
Views: 2644

Re: Health Insurance Question

This calculator can estimate your ACA subsidy situation:


http://kff.org/interactive/subsidy-calculator/
by nbseer
Sun Dec 13, 2015 3:27 pm
Forum: Investing - Theory, News & General
Topic: reinvest or put in money market
Replies: 11
Views: 1565

Re: reinvest or put in money market

I recently started having dividends in my tIRA sent to money market.. then if I want more of that specific bond or stock fund just buy when prices dip rather than reinvesting at various prices.
by nbseer
Sun Dec 06, 2015 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: When to claim Social Security if you won't ever "need" it?
Replies: 50
Views: 5262

Re: When to claim Social Security if you won't ever "need" it?

If you are due to get a pension and have a large tIRA that you want to covert to a Roth, why not take SS at FRA and use it to pay the taxes on the conversions (rather than have to pay the taxes from the tIRA withdrawal). Seems your pension, and at age 70 1/2 your RMDs would help negate the need to d...