Search found 593 matches

by norm
Tue Aug 24, 2010 3:20 pm
Forum: Forum Issues and Administration
Topic: How about a retirement subforum?
Replies: 15
Views: 3042

I second the motion.
by norm
Tue Aug 17, 2010 2:14 pm
Forum: Personal Consumer Issues
Topic: The Smartest and Dumbest Dog Breeds
Replies: 47
Views: 9445

At one time I had a German Shepherd kennel, I trained and exhibited them. On and off since 1975 I have owned Pembroke Welsh Corgis. The Shepherd is very intelligent but for the most part it has to be trained to obey commands but the Corgi figures things out by itself. I currently own a 10 year old f...
by norm
Sat Aug 07, 2010 1:34 pm
Forum: Personal Consumer Issues
Topic: What do Bogleheads do for a living?
Replies: 108
Views: 19590

I do nothing, I'm retired (selected other).
by norm
Fri Aug 06, 2010 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Need AA help for a friend
Replies: 4
Views: 801

When someone says a person can live comfortably on pension and SS I always wonder if the pension is COLA'd and inflation in living costs is taken into account. In any case such a person also needs an emergency fund. An issue is how large the assets are compared to level of expenditures. As an examp...
by norm
Fri Aug 06, 2010 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Need AA help for a friend
Replies: 4
Views: 801

This is difficult to answer. What does she want to do with the money that she apparently doesn't need? That is, what are the goals for her money? She could give it all away to charity, then she wouldn't have to worry about it. She could put it all in stocks and let someone inherit them. She could s...
by norm
Fri Aug 06, 2010 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Need AA help for a friend
Replies: 4
Views: 801

Need AA help for a friend

I could use single some suggestions on how to structure the asset allocation for a friend. Female, age 64, retired. Home & Car fully paid. Can live comfortably on pension & social security. She has a 6 figure bank account that pays 1.30% interest. When CD rates go up she would like to build a ladder...
by norm
Thu Aug 05, 2010 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Is Discover Bank an online Bank safe?
Replies: 14
Views: 4120

My CD ladder is with Discover Bank.
by norm
Thu Aug 05, 2010 2:25 pm
Forum: Personal Consumer Issues
Topic: fish oil or flax seed oil
Replies: 56
Views: 7062

I have been taking Neutraceutical brand fish oil for many years along with their multi-vitamin.
by norm
Tue Aug 03, 2010 11:38 am
Forum: Investing - Help with Personal Investments
Topic: What are some good online savings accounts?
Replies: 52
Views: 9450

I use Discover Bank @ 1.35% and they have very competitive CD rates.
by norm
Wed Jul 28, 2010 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Income tax: Married Filining Separatley vs Joint Return
Replies: 12
Views: 2019

The problem is that she doesn't have access to their last year's tax filing so she has nothing to make a comparison to.

Norm
by norm
Wed Jul 28, 2010 10:12 am
Forum: Personal Finance (Not Investing)
Topic: AARP Membership.. is it worth?
Replies: 76
Views: 14094

If not for the fact that my wife renewed membership last year without my knowledge I would have discontinued it then, this year I will. I have found it to be of absolutely no value.
by norm
Tue Jul 27, 2010 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Income tax: Married Filining Separatley vs Joint Return
Replies: 12
Views: 2019

Income tax: Married Filining Separatley vs Joint Return

A friend of mine is in the process of getting a divorce and was wondering if there is any advantage her tax return as married filing separatley vs filing a joint return.

Any info would be appreciated.

Norm
by norm
Sun Jul 25, 2010 6:41 pm
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 376698

Matterhorn by Karl Marlantes. A novel about the Vietnam War.
by norm
Fri Jul 23, 2010 12:55 pm
Forum: Personal Consumer Issues
Topic: Who's not on Facebook? [CNN.com]
Replies: 184
Views: 23560

I belonged a few years ago only so I could see pictures of my great grand kids but then I started getting overwhelmed with friend requests and other useless crap so I closed my account. I have never twittered nor have I ever texted. No I am not a Luddite I just can't be bothered with this stuff.
by norm
Tue Jul 20, 2010 12:11 pm
Forum: Personal Consumer Issues
Topic: Tattoos
Replies: 108
Views: 14193

I didn't like tattoos either but I changed my mind when I was about 64 and got the following one on my left shoulder: http://img.photobucket.com/albums/v643/Normcee/Animals/Our%20animals/Copyoftigertatt.jpg I also have a ring of fire around my right forearm. My girlfriend has dogwood flowers on her ...
by norm
Sun Jul 18, 2010 12:59 pm
Forum: Investing - Theory, News & General
Topic: Poll: What equity allocation strategy do you use?
Replies: 73
Views: 11833

Simple Slice & Dice Fidelity New Markets Inc - 5% Templeton Global Income ETF - 5% Homestead Short Term Bond - 10% Metropolitan West total Return Bond - 5% VG Total Int'l Stock Index - 12% VG Total Stock Mkt ETF - 10% VG Wellesley - 53% Cash Resrves Savings Account High Yield (3%) Savings Account V...
by norm
Thu Jul 08, 2010 10:45 am
Forum: Investing - Theory, News & General
Topic: Book Swap Boglehead style
Replies: 12
Views: 1916

I am interested.

Norm
by norm
Mon Jul 05, 2010 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Best state in which to die in? :-} i.e. estate taxes
Replies: 13
Views: 2842

I want to die in a state of extacy.
by norm
Tue Jun 29, 2010 6:24 pm
Forum: Investing - Theory, News & General
Topic: Parking money for future investments
Replies: 5
Views: 1222

livesoft,

Thanks for the link, I didn't see that thread.

Norm
by norm
Tue Jun 29, 2010 6:04 pm
Forum: Investing - Theory, News & General
Topic: Parking money for future investments
Replies: 5
Views: 1222

Parking money for future investments

Where do you park money for future investments?
by norm
Tue Jun 29, 2010 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Money, Forbes... What magazines do you subscribe to?
Replies: 62
Views: 8330

Money
Time
The Atlantic
Wired
Discover
Scientific American
by norm
Mon Jun 21, 2010 5:44 pm
Forum: Personal Consumer Issues
Topic: Men, how many razor blades are enough?
Replies: 42
Views: 5673

Having a full beard razor baldes aren't one of my major concerns by I've been using a Gillette Mach 3 Turbo for years. I change blades onces a year (if at all).
by norm
Sun Jun 13, 2010 11:30 am
Forum: Investing - Help with Personal Investments
Topic: How many different accounts (single individual) do you have
Replies: 40
Views: 6480

1. Traditional IRA
2. Inherited Brokerage IRA
3. Inherited IRA
4 Bank #1 Checking & Savings (soon to be closed)
5. Bank #2 Checking & Savings
6. Bank #3 0% Interest account
7. Bank #4 CD Ladder
by norm
Fri Jun 04, 2010 11:28 am
Forum: Investing - Help with Personal Investments
Topic: $200K to spend - need advice
Replies: 16
Views: 3352

How do you plan on paying taxes on the RMDs? Do you already have taxable money for that, would you use part of the $200K for taxes, or do you plan to pay taxes out of the RMDs (ie, tax withholdings from your distribution)? If you see the tax hit on the RMDs increasing as the years go by, it might b...
by norm
Thu Jun 03, 2010 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: How many Bogleheads started out with "Nothing"?
Replies: 90
Views: 11879

I grew up in a South Bronx ghetto. My father died when I was 10 (the eldest of 4). I started working at 12. I dropped out of high school and joined the Air Force. When I got out of the service I talked my way into taking a Jr. Executive test for a local department store. I passed with flying colors ...
by norm
Thu Jun 03, 2010 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: $200K to spend - need advice
Replies: 16
Views: 3352

insurance1288 wrote:Is the $200,000 that you just received an IRA? If so, will it be part of your IRA or is it a beneficiary IRA with you being a non-spousal beneficiary?

If it is the latter, it may make sense to handle it in a different manner.
Neither, it's from seeling my house.
by norm
Thu Jun 03, 2010 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: $200K to spend - need advice
Replies: 16
Views: 3352

Thanks for the replies. The answer to your questions are: I plan to spend it as I want or need to. If there is anything left at thend it goes to my heirs but that is secondary to me. I under my AA by 5% only because it isn't rebalance time for me. All of my money is in an IRA. This is the first year...
by norm
Wed Jun 02, 2010 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: $200K to spend - need advice
Replies: 16
Views: 3352

$200K to spend - need advice

i am 71 and retired. My AA is 35/65 (plan is 40/60). I am about to get $200,000 and I'm confused as to what to do with the money. Do I stick with my AA and buy accordingly while holding X amount back for future buys or do I sit on the money waiting to see what happens with interest rates before maki...
by norm
Wed May 12, 2010 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads: What Expensive Things Do/Did You Own?
Replies: 111
Views: 15012

I'm not the splurging type although I did buy a 2008 Toyota mini-van a few months ago.
by norm
Tue May 04, 2010 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: I sold my house in one day
Replies: 27
Views: 5317

Wow, I'm so happy to hear about your stories. I will say, however, that while price certainly does move a home, it can under cut the seller, too. There is a law of efficiency that applies to all goods sold. If you sell your house in one day, you probably could have waited and made a lot more money....
by norm
Wed Apr 28, 2010 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: I sold my house in one day
Replies: 27
Views: 5317

Thanks everyone. I'm still a bit in shock over the quick sale. I have the signed contract, my lawyer has their 10% down payment and we go to closing by May 30th. All of the large pieces of furniture are being given away or thrown out. Since my girlfriend's house is only 7.5 miles away it will be an ...
by norm
Tue Apr 27, 2010 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: I sold my house in one day
Replies: 27
Views: 5317

mhalley,

I'm an Atheist (maybe that's the secret).

Jason,

My realtor showed me the comparables for similar homes in my town and I priced my house at a reasonable price which is probably why it sold so quickly. I've owned the house for ten years and I made a 60% profit that's good enough for me.
by norm
Tue Apr 27, 2010 5:11 pm
Forum: Personal Consumer Issues
Topic: How many foreign countries have you visited?
Replies: 100
Views: 12131

Peru, Panama, Guatemala, El Salvador, Honduras, Colombia, St.Maarten, Dominican Republic, Haiti, Mexico, Canada, Japan, Korea, Taiwan, Hong Kong, China, Macau, Sri Lanka, Philippines, Saipan, Singapore, Malaysia, Thailand, Turkey, Denmark, England, Scotland, Wales, Spain & Morroco.

That's 30.
by norm
Tue Apr 27, 2010 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: I sold my house in one day
Replies: 27
Views: 5317

I sold my house in one day

My house went on the market April 17th. Four families came to look at it and 3 made bids. I sold it for my bottom parameter price. Signed the contract today and will close next month. About 15 families came to see the house last week. It was a big advantage that the government $8000 first time home ...
by norm
Tue Apr 27, 2010 8:13 am
Forum: Personal Consumer Issues
Topic: Yard Sale
Replies: 14
Views: 2350

Yard Sale

Have you ever had a yard sale? If so how did you decide what to price the for sale objects?
by norm
Sat Apr 24, 2010 2:44 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on grocery/food shopping per month?
Replies: 80
Views: 9267

$400 a month for a family of me. I eat at my girlfriend's house most Saturday nights and bring home leftovers for 1 or 2 meals.
by norm
Fri Apr 23, 2010 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Does your overall appearance match your true wealth?
Replies: 79
Views: 11606

When I retired 6 years ago I stopped wearing suits, ties and jewelry (except for my easrrings), I also stopped getting haircuts (I already had a beard). My uniform now is jeans (many times torn at the knee) XC and t-shirts). I sure not wealthy but I have more money then my appearance would make one ...
by norm
Tue Apr 13, 2010 5:43 pm
Forum: Personal Consumer Issues
Topic: buying a nearly new car
Replies: 25
Views: 3855

I bought my 2008 from a Toyota dealer. I found the car on line (sorry but I don't recall which web site). I was very satisfied with the price that I paid.
by norm
Tue Apr 13, 2010 5:39 pm
Forum: Personal Consumer Issues
Topic: It keeps getting worse for Toyota (Lexus this time)
Replies: 31
Views: 4377

I just bought a 2008 Toyota Sienna and I love it. Before that I owned a 2000 Camry that I bought new.
by norm
Sat Mar 27, 2010 11:46 am
Forum: Investing - Theory, News & General
Topic: Question for Bogleheads: Emergency Fund location ?
Replies: 64
Views: 11229

I just received some insurance pay offs. One which is equivalent to one year's income I am leaving with the insurance company which pays 3.25% interest. I have some money in the VG Prime Money Market Fund. The other insurance pay out which is currently in my savings account waiting for me to decide ...
by norm
Fri Mar 26, 2010 10:24 am
Forum: Personal Finance (Not Investing)
Topic: How Many Savings Accounts Should We Have
Replies: 24
Views: 4128

I have one savings account for my emergency funds plus money that I am sitting on and planning to invest.
by norm
Tue Jan 19, 2010 12:37 pm
Forum: Personal Consumer Issues
Topic: Laptop or Desktop?
Replies: 78
Views: 9622

Once I retired I had no need for a laptop.
by norm
Fri Jan 15, 2010 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Donations for Haiti Earthquake Victims
Replies: 41
Views: 7479

I made a contribution to Save The Children - Haiti on line.
by norm
Wed Jan 13, 2010 11:22 am
Forum: Personal Consumer Issues
Topic: Sam's Club or Costco
Replies: 35
Views: 7968

BJ's
by norm
Mon Jan 11, 2010 5:36 pm
Forum: Personal Consumer Issues
Topic: AAA American Automobile Association
Replies: 38
Views: 10460

I used them last week to jump my battery.
by norm
Mon Jan 11, 2010 1:29 pm
Forum: Investing - Theory, News & General
Topic: Foreign Bond Funds
Replies: 16
Views: 4098

I own Templeton Global Income (GIF) and Fidelity New Markets Income (FNMIX).
by norm
Mon Jan 11, 2010 10:33 am
Forum: Personal Consumer Issues
Topic: Doo Wop
Replies: 10
Views: 1710

The Great Pretender by the Platters hit #1 on the pop charts in 1955.

Save The Last Dance For Me by Ben E. King & The Drifters hit #1 in 1960.
by norm
Sun Jan 10, 2010 1:21 pm
Forum: Personal Consumer Issues
Topic: Doo Wop
Replies: 10
Views: 1710

The Platters? They were late comers to Doo Wop. I started listening to Doo Wop around 1951 2 years before the Platters. The Platters were the first R&B group to have a #1 hit.
by norm
Sat Jan 09, 2010 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of domestic stock index fund do you use?
Replies: 48
Views: 7263

None
by norm
Sat Jan 09, 2010 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of domestic stock index fund do you use?
Replies: 48
Views: 7263

None