Search found 61 matches

by baldeagle
Sun Aug 14, 2011 4:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 135
Views: 40270

Yes! There are meetings in Portland! We've been holding them once per quarter for the past few years.

If interested in being on the distribution list, please PM me. Current list has 34 names. Typical attendance ranges from 8 to 12.

Ron
by baldeagle
Tue Sep 14, 2010 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage Programs
Replies: 34
Views: 3418

We faced the same decision last year when we became eligible for medicare. It was very confusing for quite a while with SO MANY options compared to the 3 choices of group insurance offered by my prior employers. With much study and many marketing visits, it all became clearer, though MA plans remain...
by baldeagle
Tue Jun 01, 2010 8:39 pm
Forum: Personal Consumer Issues
Topic: Recommendations for lodging at Sanibel Island, FL?
Replies: 14
Views: 2508

The Island Inn
by baldeagle
Sun May 16, 2010 6:11 pm
Forum: Personal Consumer Issues
Topic: Dell Computers and Fraud
Replies: 19
Views: 3091

Same as Judsen. I currently have 4 Dells, both LT and DT. I've had at least as many before. And I've bought many for others. The product quality and buying experience has always been at least as good as any of the alternatives. Especially HP!
by baldeagle
Sun May 09, 2010 10:37 pm
Forum: Personal Consumer Issues
Topic: Bringing your own wine to a restaurant
Replies: 30
Views: 4048

"Corkage" service is VERY common in mid to high level restaurants here in Portland, OR. Probably even more common at the high end as dinners may be more particular, the restaurant understands that, and caters to that clientèle. For the typical $10-$20 fee, the diner gets high quality glassware and a...
by baldeagle
Sat Apr 24, 2010 2:04 pm
Forum: Personal Consumer Issues
Topic: Determine if a Microsoft Office XP CD has been activated
Replies: 6
Views: 1933

There is usually an activation limit of three times. But I don't know how to tell how many activations remain until trying. That's why buying a used, but legitimate license may be a waste -- there may be no more activations left.
by baldeagle
Mon Nov 30, 2009 1:12 am
Forum: Investing - Help with Personal Investments
Topic: Withdrawals from retirement portfolio
Replies: 3
Views: 1718

j elwood, I've been retired about 5 years, have about the same asset allocation as you do, and withdraw about 3.5% annually. I have followed your second strategy in combination with a "yes" answer to your question. I.e., I feed all dividends into money market accounts for spending and rebalance when...
by baldeagle
Sun Nov 08, 2009 12:57 am
Forum: Personal Consumer Issues
Topic: My Dell Rant
Replies: 38
Views: 4953

Nothing but good experience with Dell. I own 3 desk tops and 2 laptops currently with OSes including Windows 2000, XP, Win7, and Ubuntu Linux. All solid. I also configure, buy, and install systems for other people and chose Dell exclusively. Never a problem -- all machines are solid, fast, and econo...
by baldeagle
Thu Oct 22, 2009 1:23 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 135
Views: 40270

Just a reminder for all interested in joining the Portland Diehards -- PM me with your email address so I can add you to the list.

Ron
by baldeagle
Thu Oct 01, 2009 5:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 135
Views: 40270

mr.ajandkj --

PM me and I'll put you on the list. We have a standing, quarterly meeting on the second Tuesday of the last month of each quarter. December 8th is the next. But, as Munir wrote, Oregonians are pretty laid back, so we miss a meeting sometimes.
by baldeagle
Thu Mar 26, 2009 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Dedicated Computer Used Solely for On-Line Investing?
Replies: 64
Views: 8985

Thanks CyberBob. Yes, I have current virus protection, firewall, anti-phishing, multiple anti-spyware, etc, on all machines. I even put my 4 year olds' machine on Ubuntu once they stopped supporting Windows Me. Boglenaut, try also running as a Limited User instead of as Administrator, which is what...
by baldeagle
Mon Nov 17, 2008 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Which companies have the reputation for good 401ks?
Replies: 11
Views: 2611

Yes, still true about IBM.
by baldeagle
Sat Oct 25, 2008 11:53 pm
Forum: Investing - Theory, News & General
Topic: Retiree Spending Survey
Replies: 45
Views: 9258

Hi Rick, We are aged 64. Regarding your questions: 1) How long you have been retired. 2) If you are spending more or less than you anticipated. 3) How your spending has changed over the years. 4) How you anticipate your spending will change in the future. 5) If the current market downturn has change...
by baldeagle
Sat Sep 20, 2008 1:44 am
Forum: Personal Consumer Issues
Topic: IRS wants FREE e-filing
Replies: 29
Views: 5854

MickeyD -- how do you get the free TT from Vanguard? CD in the mail?
by baldeagle
Thu Aug 21, 2008 4:38 pm
Forum: Personal Consumer Issues
Topic: Which investment book should I read next?
Replies: 18
Views: 3919

hudson 4351, I'll relate a conversation I had recently with Bill Bernstein about the two books of his on your list. I had asked him to autograph my copy of Intellegent Allocator. Then I asked him if should read Four Pillars. "Did you understand IA?", he asked. "Yes," I said. "Then, you don't need to...
by baldeagle
Mon Aug 18, 2008 1:23 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 135
Views: 40270

Greensky -- Please PM me with your email address.

Mel -- Thanks for those options. After we have the meeting, to determine what our future is, I'll get back to you.

Ron
by baldeagle
Tue Aug 12, 2008 1:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 135
Views: 40270

Bruce,

Yesterday (finally!) I sent email to all 15 names I have on the list to discuss an organizing meeting in September. I thought you were one of them. Did you receive it?

Ron
by baldeagle
Sat Aug 02, 2008 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: [poll] When will (or did) you retire?
Replies: 63
Views: 13933

Three years ago I retired from 40 years in the high tech business. I was 60.5 years old. Celebrated my 59.5 birthday as a prelude to independence just one year later. I'm loving every minute and have never looked back. Never have a spare minute either! So much to do. I volunteer 1-2 days per week at...
by baldeagle
Tue Jul 08, 2008 12:22 am
Forum: Investing - Help with Personal Investments
Topic: Should fixed income securities go in your Roth?
Replies: 23
Views: 4805

LH, interesting idea... I'm doing some of that but not intentionally for that reason. I am putting a substantial amount of money market in my Roth as I will have spent down the taxable account within the next couple years, and will still need to have an emergency account. So, part of the Roth will h...
by baldeagle
Wed Jul 02, 2008 8:18 pm
Forum: Personal Consumer Issues
Topic: Firefox
Replies: 42
Views: 8816

I'm a long-time user of FF and Yahoo email.

I installed FF3 straight from the can on the day it came out. Zero problems with anything, including Yahoo email.
by baldeagle
Sat Jun 28, 2008 5:10 pm
Forum: Investing - Theory, News & General
Topic: The New Retirement Challenge
Replies: 15
Views: 3909

Taylor -- Thanks for the answers to my questions. Much appreciated.
by baldeagle
Thu Jun 26, 2008 2:24 pm
Forum: Investing - Theory, News & General
Topic: The New Retirement Challenge
Replies: 15
Views: 3909

Taylor, thank you for that informative post about annuities. Could you share a bit more of your decision-making process? For example:
  • What coverage were you seeking to annuitize? Just routinr living expenses?
    Did you chose single or joint annuity?
    Did you chose inflation-adjusted annuity?
Thanks!
by baldeagle
Sat May 24, 2008 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement withdrawals
Replies: 11
Views: 2982

bobbyrx, I agree with dbr -- you will probably have to model your alternatives with a spreadsheet or program. There is no one-fits-all solution. I had the same questions you have three years ago when I retired. I had most of the portfolio in IRA with a small amount in taxable and an even smaller amo...
by baldeagle
Wed May 21, 2008 1:53 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 135
Views: 40270

Hello all interested Portland Diehards. I organized the coffee meeting with Bill Bernstein on Mother's day, and have an email list of around a dozen local folks of whom about 5 attended. I'd be happy to organize a meeting of interested Portland Diehards in the next month or so, but I'm going out of ...
by baldeagle
Sun May 11, 2008 3:11 pm
Forum: Investing - Theory, News & General
Topic: S.S. at 62 or 66?? What would you do?
Replies: 61
Views: 14639

Spirit Rider -- your point of SS being 85% taxable sure applies to me. So I included that in my spreadsheet.

Christine_NM -- a good question about how asset location would affect things. I might be able to make some changes to find out. If I do, I'll post back to this thread.
by baldeagle
Sat May 10, 2008 8:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Oregon/Washington Diehards
Replies: 4
Views: 2934

Just to update...

This meeting is ON. Bill will be doing a "booktalk" on The Splendid Exchange at 7:30 pm at the main Portland Powell's, 10th and Burnside. Thereafter, he will be joining about half dozen of us for coffee and discussion.
by baldeagle
Thu May 08, 2008 8:19 pm
Forum: Investing - Theory, News & General
Topic: S.S. at 62 or 66?? What would you do?
Replies: 61
Views: 14639

This decision has always been a thorny one for me too. So I did a big spreadsheet to model 7 scenarios, described below. Scenarios 5 and 6 apply to this discussion. The results of the model are shown in the first three charts, for three different economic climates, at http://www.geocities.com/baldea...
by baldeagle
Tue May 06, 2008 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Expected Longevity of a car
Replies: 17
Views: 4472

Longevity? In miles? In years? FWIW, here's my experience: 1984 Peugeot 505 STI 4dr sedan, 4 cylinder (gas engine) Bought new 24 years old 185K miles Could last forever, I think, if I keep maintaining it. 1988 Toyota Camry 4dr wagon, 2.0 liter 4 cylinder Bought new 20 years old 170K miles Ditto the ...
by baldeagle
Wed Apr 30, 2008 2:59 pm
Forum: Investing - Theory, News & General
Topic: IRA distribution plan to avoid SS penalty
Replies: 66
Views: 13068

Hello Prentis, Seems like you have the same concern as I -- how to get cash for emergencies or big ticket items (e.g., new car) without having to liquidate in a down market or impose higher than normal taxation. In our case, social security is not relevant to the picture as it is taxed at 85% anyway...
by baldeagle
Wed Apr 09, 2008 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Car question
Replies: 24
Views: 5660

Sotol,

In my book I'd ask myself: Why spend 25K now when I could wait five years at $1K/yr and buy a plug-in hybrid station wagon?!

Kinda what I'm doing with my 3 oldies, one of which is an '88 Camry wagon still in great condition throughout.
by baldeagle
Wed Apr 02, 2008 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: do you use software to manage your AA??
Replies: 31
Views: 7304

Quicken.

I use it for all our accounts (investing, IRAs, Roths, checking, savings) and those of both my adult kids. Quicken will manage many things, but I use it mostly for investing -- asset allocation and income monitoring -- and for overall expense tracking.
by baldeagle
Sun Mar 23, 2008 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite Scotch?
Replies: 62
Views: 22270

Another vote for Lagavulin. Chewy stuff. Almost needs a fork to get through all that smokey peat. Love it! But it is SO expensive! Around $85 per fifth now in Oregon. Five years (or more) ago, it could be had for $35 per liter in UK duty free stores. No more. One of the things I learned about duty f...
by baldeagle
Thu Mar 20, 2008 7:25 pm
Forum: Investing - Theory, News & General
Topic: Share Your Withdrawal Strategy
Replies: 28
Views: 6613

avgjoinv, We retired about three years ago at age 60. We have a 60/40 portfolio comprised of about 85% IRA, 15% taxable, and 5% Roth. After SS (taken at age 62) and a micro pension, our living expenses require a withdrawal rate of about 3.2%. We are well within the 15% FIT bracket. Answers to your q...
by baldeagle
Fri Mar 14, 2008 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Tax Planning
Replies: 6
Views: 1478

Midpack, I think you can only use the existing tax code in your spreadsheets and then try sensitivity analysis as noted by Magellan. When the code changes you change your spreadsheet and run it again. In my post on "Best" withdrawal decisions I had to face the same issue as you. I built columns for ...
by baldeagle
Fri Mar 14, 2008 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: "Best" withdrawal decisions
Replies: 8
Views: 2638

CABob,

Both -- I only did the SS analysis for both of us together.

I could run it the other ways (repay/restart her not me, me not her), but I am guessing that whatever I do with my benefit will dominate the results because my benefits are slightly more than 2x my wife's.
by baldeagle
Thu Mar 13, 2008 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: "Best" withdrawal decisions
Replies: 8
Views: 2638

Thanks all for your valuable comments. I finally figured out how to get a crude web site going at Geocities to post some of the Excel charts I made from my model. You can see them here: http://www.geocities.com/baldeagleNW The first three charts show how portfolio value changes over time for the sev...
by baldeagle
Tue Mar 11, 2008 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: "Best" withdrawal decisions
Replies: 8
Views: 2638

"Best" withdrawal decisions

We are a couple of 63-year-olds who retired about three years ago, and took SS at age 62. I have always felt that financial decisions made in the ten years between when we retired and age 70.5, when we cede withdrawal and tax control to MRDs, could be significant for the rest of our lives. In partic...
by baldeagle
Thu Dec 27, 2007 4:48 pm
Forum: Investing - Theory, News & General
Topic: Your withdrawal rates in retirement?
Replies: 82
Views: 18866

rwwoods, Yes, i-orp is an interesting calculator. It takes a perspective of tax minimization. It was recently updated to correctly capture the lowest Fed brackets. Downside is that it assumes annual portfolio returns are equal to whatever average rate of return you specify up front. As we know, any ...
by baldeagle
Tue Dec 25, 2007 12:06 am
Forum: Investing - Theory, News & General
Topic: Simba's backtesting spreadsheet [a Bogleheads community project]
Replies: 1112
Views: 615002

Malachi -- "Trev's awesome spreadsheet"? You mean Simba's?
by baldeagle
Sat Dec 22, 2007 8:11 pm
Forum: Investing - Theory, News & General
Topic: Turbo Tax by Vanguard
Replies: 45
Views: 12348

I'ved used them both for many years. Mostly use Turbo Tax now because of sucky customer service with Tax Cut. Pricing varies a lot for TT. Each year Intuit sends me a CD for both state and federal that I can load, activate online, and pay for online. That's the most expensive approach. Costco sells ...
by baldeagle
Fri Nov 30, 2007 6:54 pm
Forum: Investing - Theory, News & General
Topic: Filling 15% bracket with IRA withdrawals
Replies: 28
Views: 6677

Rich_in_tampa, We do something like you described at 63 years old and retired 2.5 years. We have assets in both taxable and (mostly) tax deferred locations. We live comfortably under the top of the 15% bracket taking withdrawals from IRAs, and paying taxes on them from the taxable account. Even so, ...
by baldeagle
Sat Nov 17, 2007 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Windows Vista.....whaddaya think?
Replies: 105
Views: 26756

Windows Vista

My experience: 1. I bought a decent uniprocessor Compaq with AMD Athlon 64 3800+ processor, 512MB RAM, and standard 7200rpm SATA hard drive. a. Came with Vista Basic. Ran so slow it was unusably frustrating by anyone with moderate PC experience. b. I rebuilt it from scratch with WinXP home as part o...
by baldeagle
Fri Nov 09, 2007 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Is a hardware firewall enough?
Replies: 50
Views: 11348

I never use Defender anymore. It never showed any errors on my weekly scan. Three other Spyware programs (Ad-Aware, SpyBot, and ZoneAlarm Pro) ALWAYS showed something! Maybe they are just better at marketing (keep showing the value of their product by always finding something). Spyware Doctor seems ...
by baldeagle
Fri Nov 09, 2007 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: How to help Dad escape bad ML broker
Replies: 19
Views: 4043

Selling bonds

Alvinsch, I had a similar situation a few years back -- not with munis but with taxable treasuries and agency bonds. I had thought to transfer them to Vanguard from Ameritrade, but still the charge to sell would have been about $750. Instead, I opened an account at ZionsDirect, transferred in the bo...
by baldeagle
Fri Oct 19, 2007 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Another cheap computer question
Replies: 14
Views: 3642

Valuethinker, MS stopped supporting Win98. I think it was around June of this year. I agree with you about Vista. I just bought an AMD Athlon 3800 based Compaq for my wife with Vista Basic. Soooooooooo slow. Unusably slow. I rebuilt it with XP home and it is a beauty. I think XP may be the peak of M...
by baldeagle
Sun Sep 30, 2007 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Wanted -- easy to use backup strategy
Replies: 36
Views: 9755

Backup

I also view backup of data separately from backup of software. For data, I've used Iomega Automatic Backup Pro for over a year now on my network of two computers, and have installed it for other people as well. We all like it and use it the same way -- namely, backing up data files in real time as t...
by baldeagle
Mon Jun 18, 2007 5:43 pm
Forum: Investing - Theory, News & General
Topic: Simba's backtesting spreadsheet [a Bogleheads community project]
Replies: 1112
Views: 615002

Hi Simba,

Something happened to the 35 year run for CHP on the Portfolio tab in rev-6g. The table still shows the $481k ending value, but the graph below it tops out around $100K. Graph looks just like the run to its right for 22 years.
by baldeagle
Sat Jun 16, 2007 12:44 am
Forum: Investing - Theory, News & General
Topic: How are you using Simba's backtest spreadsheet?
Replies: 20
Views: 6382

Simba's SS is immensely fun and interesting to play around with. My observations: 1. The CHP is ctually a pretty optimum arrangement of its 7 asset classes. 2. My own portfolio compares pretty well. 3. Some of Larry Swedroe's interesting and unconventional AAs (as noted in his earlier postings and s...
by baldeagle
Thu Jun 14, 2007 2:44 pm
Forum: Investing - Theory, News & General
Topic: Retirement planning software - affordable
Replies: 8
Views: 3635

Clutch, also look here http://www.gummy-stuff.org for MANY spreadsheets.
by baldeagle
Sat Jun 09, 2007 5:59 pm
Forum: Investing - Theory, News & General
Topic: Has Your Portfolio Beat DFA?
Replies: 49
Views: 22033

gbs, Your response to Richard was really quite impressive! How did you come up with that approach to portfolio modeling? And what do you make of it for real life guidance? I think Larry Swedroe posted something a bit like this a week or so ago, and even posted part of an client paper his firm wrote....