Search found 30 matches

by jiclemens
Sat Jan 09, 2010 2:30 pm
Forum: Personal Consumer Issues
Topic: The Inquirer #3: Your best investment ever?
Replies: 38
Views: 5249

Oh, and throughout my career in California, we have bought, improved and sold 6 homes. Investments have done well but rather dull comparitively. When we retired, we moved to South Carolina, paid cash for our retirement home and eliminated all debt except for purchasing a home for my mother. I feel h...
by jiclemens
Sat Jan 09, 2010 2:16 pm
Forum: Personal Consumer Issues
Topic: The Inquirer #3: Your best investment ever?
Replies: 38
Views: 5249

best investment?

My first HP-95C programmable in the '70's, followed by an Apple II, followed by the seriously "powerful" Compaq 'luggable.'
by jiclemens
Fri Jan 08, 2010 4:56 pm
Forum: Personal Consumer Issues
Topic: Windows 7 - Options for AV, Firewall and Spyware software
Replies: 33
Views: 6146

mse adequate?

Yes. Security Essentials replaces Windows Live OneCare. OneCare offered redundant services already handled by windows and they were dropped in WSE. Windows and Security Essentials cooperate to give you anti-virus protection, firewall, malware and spyware protection. You do not need to worry about Wi...
by jiclemens
Fri Jan 08, 2010 4:36 pm
Forum: Personal Consumer Issues
Topic: Windows 7 - Options for AV, Firewall and Spyware software
Replies: 33
Views: 6146

mse adequate?

Yes. Security Essentials replaces Windows Live OneCare. OneCare offered redundant services already handled by windows and they were dropped in WSE. Windows and Security Essentials cooperate to give you anti-virus protection, firewall, malware and spyware protection. You do not need to worry about Wi...
by jiclemens
Sat Jun 20, 2009 4:10 pm
Forum: Personal Investments
Topic: Vanguard short term bond fund vs Thrift savings G fund?
Replies: 12
Views: 4059

g fund

some of the best advise I recieved here several years ago by fellow diehards was to first, commit to my asset allocation, then fill up as much of the bond component I could with the G fund. I followed this advise, and have since retired and adjusted my asset allocation a bit for retirement and I hav...
by jiclemens
Wed Oct 29, 2008 3:46 pm
Forum: Investing - Theory, News & General
Topic: Bonds
Replies: 16
Views: 4223

summarize

Thank you Lauren. Could you further explain "the fundamentals?" Or maybe could you respond with what is an ideal mix of funds in a deflationary and inflationary period? I gathered that you feel TIPS and Intermediate Treasuries are a good mix during inflationary periods but not deflationary times. Is...
by jiclemens
Wed Oct 01, 2008 12:49 pm
Forum: Personal Consumer Issues
Topic: Windows vs. Linux: Questions from a Beginner
Replies: 66
Views: 15955

old laptops

My XP finally blew up on my old HP Pavillion N5195 and I decided before buying a new computer I would give Linux a try. Not enough horsepower for Vista, computer too old to be interested in troubleshooting why XP blew up. Used Linux some at work along with some other Unix implementations. OpenOffice...
by jiclemens
Wed Apr 23, 2008 10:06 am
Forum: Personal Investments
Topic: fyi-Managed Payout Funds
Replies: 48
Views: 10508

These funds are a definite departure from Vanguard's usual conservative strategy and I hope they are not simply an attempt to keep up with the competition for the investor dollar. Paul A lot of academic work has been done on using various asset classes to properly diversify a porfolio and some, lik...
by jiclemens
Mon Apr 21, 2008 6:23 pm
Forum: Personal Investments
Topic: fyi-Managed Payout Funds
Replies: 48
Views: 10508

I got a bad feeling about this. You just know people are going to buy these thinking they're safer than they really are. We are sure to get people in the funds who don't understand them well enough. I can foresee a bunch of questions on the 7% payout "distribution focus" fund. Unless the equity mar...
by jiclemens
Mon Apr 21, 2008 12:09 pm
Forum: Personal Investments
Topic: fyi-Managed Payout Funds
Replies: 48
Views: 10508

The official prospectus is at the site with other info

I hope this thread will be a place for folks to offer thoughts and questions. As a retiree myself now most of our assets are in tax advantaged accounts. Hopefully record keeping would not be that difficult but I need a little time to review the prospectus now. I'm sure I'll have more questions later.
by jiclemens
Mon Apr 21, 2008 8:33 am
Forum: Personal Investments
Topic: fyi-Managed Payout Funds
Replies: 48
Views: 10508

fyi-Managed Payout Funds

New York Times Retirement special section today mentioned that the funds would be publically open today.
-John
by jiclemens
Wed Apr 16, 2008 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: In My Next Life
Replies: 25
Views: 5576

I want to be born rich

That way I could spend my time with persuits that matter to me instead of being a corporate slave.
by jiclemens
Tue Mar 25, 2008 9:01 pm
Forum: Investing - Theory, News & General
Topic: Active Wellington Fund
Replies: 11
Views: 3263

Wellington/Wellesley

In all the years I've followed Diehards I don't believe anyone has disparaged these funds, especially for your tax advantaged accounts. A few would argue Wellington is not diversified enough compared to a Target Retirement fund. And of course you must consider whether you can achieve your desired as...
by jiclemens
Wed Mar 12, 2008 7:31 pm
Forum: Personal Investments
Topic: G-Fund Related Question
Replies: 6
Views: 1713

good advise to me from a Diehard

I was advised several years ago to put all I could of my bond allocation into the G fund and if there was any balance remaining to put that in Inflation Protected. I've had no complaints so far but am frustrated by my lack of understanding of what exactly the G fund is.
by jiclemens
Tue Mar 11, 2008 8:13 pm
Forum: Investing - Theory, News & General
Topic: How I lost 98.5% in an individual stock
Replies: 39
Views: 10542

disastrous mistakes

I'll bet a lot of us could confess to making disastrous mistakes in our investment careers because it is so easy to rationalize the risk. When I was young (70's and 80's) I had just learned about dollar cost averaging but not about performance chasing and I discovered 44 Wall Street. I rode that one...
by jiclemens
Wed Jan 23, 2008 10:53 am
Forum: Personal Investments
Topic: question for csrs federal retirees
Replies: 3
Views: 1999

thank you

It is certainly a new chapter.
by jiclemens
Tue Jan 22, 2008 7:48 pm
Forum: Personal Investments
Topic: question for csrs federal retirees
Replies: 3
Views: 1999

question for csrs federal retirees

2007 is my first full year of retirement under the federal civil service plan. I was wondering if OPM or someone sends out something like a W2 summarizing income and taxes paid?
by jiclemens
Wed Nov 07, 2007 8:18 pm
Forum: Investing - Theory, News & General
Topic: Swensen Portfolio in Retirement
Replies: 8
Views: 3870

thanks

Thanks CB. I will look at the references.
John
by jiclemens
Mon Nov 05, 2007 6:34 pm
Forum: Investing - Theory, News & General
Topic: Swensen Portfolio in Retirement
Replies: 8
Views: 3870

how to implement?

CyberBob,
Please go into how you implement this 10 year scenario. You must execute sales every year to keep feeding your moneymarket. You would not want to end up at year 10 with all equities, right? How about a real-world example? Thanks,
John
by jiclemens
Mon Oct 22, 2007 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with Vista E-mail System
Replies: 12
Views: 2809

go with Windows Live Mail Desktop

That is the actual replacement for Outlook Express and it is a SUBSTANTIAL improvement.
by jiclemens
Fri Sep 28, 2007 9:33 am
Forum: Personal Investments
Topic: OT Joint checking accounts for living expenses
Replies: 24
Views: 5701

cherrypicking

I would suggest cutting the woman some slack. The advise is not bad when taken in the context that many young marriages fail due to poor communication over finances and lack of common sense support from us gray-haired curmudgeons. Of course everyone's circumstances vary. When we started out, I was s...
by jiclemens
Tue Sep 04, 2007 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: [poll] ethical dilemma: ...best buy DVD player (closure!)
Replies: 35
Views: 9258

Interesting comments about Sony

I've always been a believer and happy customer in both Sony and Bose. Guess what. The last two Bose systems I had were faulty to the core. They make good speakers but their electronics have gotten so bad I won't risk the expense any more. It is too hard to correct the problem. Seems a common trait a...
by jiclemens
Sun Aug 26, 2007 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite Scotch?
Replies: 62
Views: 22739

Johnny Red is my "well drink" when not working on Rodney Strong cabs. However, it seems 18 years is when a lot of scotch hits its prime. Then, at 18, I'm happy with Glenfiddich or MacAllan or Chivas and probably many others I haven't tried yet. I absolutely do NOT like Cutty Sark and my taste is a b...
by jiclemens
Fri Jul 13, 2007 11:40 am
Forum: Personal Investments
Topic: Federal TSP G fund and compounding
Replies: 2
Views: 1521

Federal TSP G fund and compounding

The G fund is often recommended here and I've noticed that the returns on this fund are reflected in an ever-increasing share price rather than posting as re-invested dividends earned. Can anyone explain if and how we benefit from compounding in this fund unless the share price is different for ever...
by jiclemens
Mon May 28, 2007 8:51 pm
Forum: US Chapters
Topic: Calling all Docs! Physician Chapter/Interest Group
Replies: 169
Views: 87153

Count me in

partner is nearing retirement as pediatrician in coastal northern CA.
by jiclemens
Fri May 25, 2007 2:33 pm
Forum: Investing - Theory, News & General
Topic: Your Questions for Jack Bogle
Replies: 34
Views: 13889

the soul of capitalism

Dear Mr. Bogle, I have been a fan, customer and student of yours for nearly 30 years. I am concerned for the future of the US. Do you have an opinion of libertarianism? Do you believe libertarians can make a positive contribution to our future and our standing in the world due to their views on free...
by jiclemens
Thu May 24, 2007 11:19 am
Forum: Investing - Theory, News & General
Topic: A serious question about REITs
Replies: 14
Views: 3677

Rites

I guess if 'rites' is the proper pronunciation then us non-yankees will need to switch from saying ree-its to saying 'rats.'
Southerners are never rat all of the time but one can see they are certainly rat some of the time. And rites will become rats at some point.
-John
by jiclemens
Wed May 23, 2007 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: what are you ding after retiring ???
Replies: 18
Views: 6246

tc101-another kindred spirit here

I retired late last year at 54 in small beachtown in CA. Gave up car. Rent small place near coast. Gym almost every day now. Bike into town for groceries, mail, gym or reading on beach. Paint on foggy days. In process of building home on Savannah River in South Carolina where I will be near family, ...
by jiclemens
Sat Apr 21, 2007 6:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's target allocation returns appear lower?
Replies: 1
Views: 1465

Vanguard's target allocation returns appear lower?

When checking Portfolio Watch at the VG web site I decided to review the target allocation page for preset stock/bond ratios and I would swear the historical returns have all been lowered about 1%. Does anyone else see this and know why?
John
by jiclemens
Thu Apr 05, 2007 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: what is your job/occupation?
Replies: 84
Views: 45543

another software engineer

healthcare, now recently retired and loving it.