Search found 593 matches

by norm
Sun May 17, 2009 2:15 pm
Forum: Personal Consumer Issues
Topic: if you had only 1 magazine on an 8 hr flight...
Replies: 87
Views: 13369

A crossword puzzle magazine.
by norm
Sun May 17, 2009 2:14 pm
Forum: Investing - Theory, News & General
Topic: Nostalgic 1982 CD (certificate of deposit)
Replies: 51
Views: 9431

In the 80's my wife bought us a bunch of 0 coupon bonds at around 13% interest. If the 80's had only lasted another 5 years I could haqve retired 10 years earlier.
by norm
Thu May 14, 2009 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Ever hired an attorney to defend yourself in a civil matter?
Replies: 6
Views: 1902

We sued a building contractor for withholding money we advanced him to buy supplies which he never bought. We won and he had to reply us plus pay us a penalty.
by norm
Wed May 13, 2009 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: JACK BOGLE REPLIES: Oh, to be 70 again!
Replies: 33
Views: 6531

Happy Birthday!

When I grow up I hope I'm just like you (I'm 70).
by norm
Mon May 11, 2009 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Advices please... wife diagnosed with cancer
Replies: 31
Views: 8896

AQ, I can't add anything to what has already been written. My wife has a rare incurable ovarian cancer which was diagnosed last August. After chemo she is in remission and because the cancer is so rare they don't know how long remission could be for. We take everything on a day to day basis. My wife...
by norm
Wed May 06, 2009 7:46 pm
Forum: Investing - Theory, News & General
Topic: How many funds for you?
Replies: 47
Views: 6704

All Vanguard:

IRA
Target Retirement Income
Total International Stock Index

Wife's 401k
Institutional Index Instl Pl

Plus MM for emergency funds.
by norm
Sat May 02, 2009 3:28 pm
Forum: Investing - Theory, News & General
Topic: what is your fixed income AA?
Replies: 32
Views: 4350

Target AA 40% equities/60% bonds

VTENX - VG Tgt Retirement 2010 - 47%
VIPSX - VG Inflation Proof Sec - 32%
VBISX - VG Short Term Bond Indx - 6%
VGTSX - VG Total International Stock Index 13%
VIIIX - VG Institutional Index - 2%
by norm
Thu Apr 30, 2009 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: May need to withdraw money for living expenses
Replies: 8
Views: 1971

Thanks you for all of the replies. I am familiar with Vanguard's Target Retirement Funds. As you can see from my current portfolio in order to get the AA that I wanted I had to augment VTENX with some additional funds. I posted this wondering if there were other funds that could give me a portfolio ...
by norm
Thu Apr 30, 2009 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: May need to withdraw money for living expenses
Replies: 8
Views: 1971

May need to withdraw money for living expenses

I am 70 and retired my wife is 59 and still working but she may have to retire sometime this year because of her health. When she retires it is quite possible I will need to withdraw money from our investments (no more than 4%) to augment the money we need for living expenses. My question is, keepin...
by norm
Thu Apr 30, 2009 11:49 am
Forum: Personal Consumer Issues
Topic: Give Me an Interesting Link... What's Your Passion?
Replies: 56
Views: 15812

Almost every reference source that you can think of:

http://www.refdesk.com/

Information about every city & town in the country:

http://www.city-data.com/
by norm
Tue Apr 28, 2009 12:45 pm
Forum: Investing - Theory, News & General
Topic: Did anyone get the Vanguard Proxy information in the mail???
Replies: 29
Views: 6869

I received mine via snail mail yesterday.
by norm
Fri Apr 24, 2009 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Eat Out - How Often
Replies: 102
Views: 18488

Wouldn't it matter where someone lives? +consumption preferences +own cooking skills +number of people to cook for, the more the more economical to cook onself +acess to subsidiced food or not (+quality of subsidiced food) + the obvious: financial situation Also if someone has a physical disability...
by norm
Thu Apr 23, 2009 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Eat Out - How Often
Replies: 102
Views: 18488

We don't go out to eat but we do order in about once a week.
by norm
Wed Apr 15, 2009 9:48 am
Forum: Investing - Theory, News & General
Topic: Good News: We are in 1938 (according to this guy).
Replies: 3
Views: 977

Hey I was born in 1938, does that mean I can start all over again?
by norm
Sat Apr 11, 2009 11:40 am
Forum: Investing - Theory, News & General
Topic: Some funds well above total market index
Replies: 10
Views: 2234

Based on a 1 year return VTSMX ranks 48th out of 125 large blend funds with an E/R under 0.50. It ranks 38th YTD,
by norm
Sun Apr 05, 2009 5:33 pm
Forum: Personal Consumer Issues
Topic: Help selecting cable movie channels
Replies: 3
Views: 1047

I have HBO/Starz/Encore as a package and if it wasn't for HBO's own series I would cancel the whole thing.
by norm
Tue Mar 24, 2009 12:17 pm
Forum: Personal Consumer Issues
Topic: Question for U.S. veterans
Replies: 28
Views: 4481

I was only in Labrador when in the Air Force and for damn sure I wouldn't want to live there. Have traveled most of Asia and a lot of Latin america on business and The UK on vacation. I would want to live in the mountains of Panama if I had to pick a place outside of the U.S. The U.S.$ is the curren...
by norm
Sun Mar 22, 2009 1:23 pm
Forum: Personal Consumer Issues
Topic: satellite vs. cable vs. FIOS
Replies: 32
Views: 6038

We've used cable for a number of years and have been quite satisfied with it's performance and the service. Last year we added the DVR option so now I am able to tape another program if I am watching TV or two programs when I'm not using it. We switched to cable from satellite because we got tired o...
by norm
Tue Mar 17, 2009 12:30 pm
Forum: Investing - Theory, News & General
Topic: Morningstar Premium service
Replies: 14
Views: 3158

I recently dropped M* Premium and I'm using the T. Rowe Price portfolio services, it fits all of my needs.
by norm
Sat Mar 14, 2009 8:47 pm
Forum: Investing - Theory, News & General
Topic: Article: # Millionaires Shrinks in 2008
Replies: 16
Views: 2827

Mayor Bloomberg is the richest man in NYC with $17 billion. Bill Gates lost $20 billion in investments in 2008 and he is still the richest man in the world.
by norm
Sat Mar 14, 2009 8:44 pm
Forum: Investing - Theory, News & General
Topic: Mortgage rate in Japan 2.375%!
Replies: 15
Views: 2649

I still wouldn't move to Japan.

I saw a program on TV a while back that showed someone paying $1million for a small studio apartment in Tokyo so all things are relative.
by norm
Tue Mar 10, 2009 6:04 pm
Forum: Personal Consumer Issues
Topic: Signs your getting old, you have any to add...........
Replies: 92
Views: 11415

bob90245 wrote:RE: Signs you're getting old

In your younger days, you looked at hot girls thinking about asking them out on a date. You know you're getting old when you look at hot girls and realize you are old enough to be their father.
bob,

Don't feel bad, their mothers are too young to notice me.
by norm
Tue Mar 10, 2009 6:00 pm
Forum: Personal Consumer Issues
Topic: Signs your getting old, you have any to add...........
Replies: 92
Views: 11415

Ron,

My wife started wearing glasses as a little girl and I started when I was 40. About 15 years ago (she was 46, I was 55) she was told that her eyesight would improve as she aged and I would probably needa seeing eye dog.
by norm
Tue Mar 10, 2009 3:23 pm
Forum: Personal Consumer Issues
Topic: Signs your getting old, you have any to add...........
Replies: 92
Views: 11415

I have to take pills in the morning, evening & bedtime. I have no problem taking the morning pills because I take them as soon as I go into the bathroom. OK a few minutes later (there are things that must be taken care of first). Sometimes I take the bedtime pills in the evening. Sometimes I'm not s...
by norm
Tue Mar 10, 2009 2:42 pm
Forum: Personal Consumer Issues
Topic: Signs your getting old, you have any to add...........
Replies: 92
Views: 11415

I send myself e-mails so I can remember to do something. The hotties now call me sir. I was once told that you know you are getting old when the cops & ball players look like kids, they really do. People hear my knees 2 minutes before I enter a room. I am self conscious about wearing my rock band t-...
by norm
Fri Mar 06, 2009 11:14 am
Forum: Investing - Help with Personal Investments
Topic: opinions on rebalancing strategies
Replies: 7
Views: 1757

If say you have 60% in stocks and you bail to cash, and the market jumps 20%, the effect is 6 times larger than in the rebalance case. Best of luck But if you bail to cash and the market drops another 20% and your cash (CDs, etc) goes up 2-3% you are ahead of the game ath that point and you have so...
by norm
Thu Mar 05, 2009 12:52 pm
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 25944

From the list - Clapton

Also Derek Trucks
by norm
Mon Mar 02, 2009 7:32 pm
Forum: Personal Consumer Issues
Topic: Vanguard Renames Target Retirement funds (a Joke)
Replies: 51
Views: 9543

A better name would be the Salvation Army Retirement Funds.
by norm
Mon Mar 02, 2009 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Are Retired Investors in Cash & Bonds Short Sighted??
Replies: 42
Views: 7695

VG Tgt Retirement 2010 represents 50% but broken down by category I am:

21% Total Stock Mkt
2% VG Instit Index
17% Int'l
34% TIPS
20% Total Bond Mkt
6% Short Term Bond Indx

I don't count cash or money market (emergency funds) as part of my AA.

Norm
by norm
Mon Mar 02, 2009 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Support and Encouragement, Please!
Replies: 21
Views: 4249

Alessandro, When I get to the "can't sleep" point I will do something. Fortunately my wife is working and I am getting SS plus a small pension so there is no need to take money out for expenses and I might not have to do it when my wife retires this year. Most likely what I will do at rebalance time...
by norm
Mon Mar 02, 2009 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Support and Encouragement, Please!
Replies: 21
Views: 4249

Nowizard, I am also retired and have similar losses to you. I have been considering selling my equity funds and going to an all bond fund portfolio until the market turns. Some may call that timing but I call it self protection. The market has such a long way up to fully recover so what if I miss ou...
by norm
Mon Mar 02, 2009 11:32 am
Forum: Personal Consumer Issues
Topic: Mel's mother
Replies: 93
Views: 14168

Mel,

My sincere condolences on your loss.

Norm
by norm
Mon Mar 02, 2009 11:30 am
Forum: Personal Consumer Issues
Topic: Median Net Worth Down 45% - How About Yours?
Replies: 36
Views: 6926

Investments down - 28%. Home down 15%. At it's peak our house had doubled in value in the 9 years that we have owned it.

Norm
by norm
Sun Mar 01, 2009 4:59 pm
Forum: Investing - Theory, News & General
Topic: NY Times article - How to Rebalance W.O Diving Into Stocks
Replies: 5
Views: 1508

NY Times article - How to Rebalance W.O Diving Into Stocks

Fundamentally How to Rebalance Without Diving Into Stocks By PAUL J. LIM Published: February 28, 2009 BUYING stocks in a market like this takes a healthy dose of faith — not only in the long-term promise of equities, but also in the potential for an economic recovery on the horizon. Some economists ...
by norm
Thu Feb 19, 2009 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Yikes!!! M*Premium $175
Replies: 15
Views: 3180

I used Premium for one year. Now I use T. Rowe Price for free.
by norm
Sun Feb 15, 2009 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: What retirement income percentage for you?
Replies: 45
Views: 7069

Right now my plan is for our expenses to be 2/3 of what they are now but until my wife retires this year and we have 1 year of retirement under our belt I can't give a %.
by norm
Sat Feb 14, 2009 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Another Paradigm: Plan C for retirees?
Replies: 54
Views: 7646

pooo98 wrote: Just to retire and be delivered from hard work was retirement enough for many of my father's generation. He was very content just to "chill." He needed no costly diversions. Not my generation, or at least I speak for myself. Sam I Am And this is bad why? Norm (chillin on a chilly day)
by norm
Wed Feb 11, 2009 11:35 am
Forum: Investing - Theory, News & General
Topic: [poll] How are you handling credit card debt?
Replies: 47
Views: 7178

We only use 0% interest credit cards.

Norm
by norm
Mon Feb 09, 2009 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: [poll] Which New Car Would you Buy in 2009?
Replies: 57
Views: 10203

Honda Civic Hybrid or a Toyota Matrix
by norm
Fri Feb 06, 2009 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Northern Nevada anyone?
Replies: 42
Views: 7858

EmergDoc,

Here is a web site where you can find stats just about almost any city or town in the country: http://www.city-data.com/

They also have a forum site broken down by state where you can ask residents about places you are interested: http://www.city-data.com/forum/
by norm
Thu Feb 05, 2009 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Northern Nevada anyone?
Replies: 42
Views: 7858

My wife and I went on a swing of 4 southwestern cities last year looking for a place to retire to, Reno was one of those cities. It didn't take us long to know that Reno wasn't the place for us. Suburban homes there were no different (maybe a bit higher priced) from the other 3 cities but the town l...
by norm
Wed Feb 04, 2009 1:08 pm
Forum: Personal Consumer Issues
Topic: [poll] How old is your car?
Replies: 98
Views: 15072

2000 Camry - 103,000 miles. Gets 22mpg.

1997 Ford Windstar 97,000 miles. Gets 15mpg and that is why the Camry has more mileage on it.

Norm
by norm
Sun Feb 01, 2009 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Proposed AA vs Target Date Retirement Fund?
Replies: 8
Views: 2139

Re: Proposed AA vs Target Date Retirement Fund?

With respect to Vanguard's Target Retirement Funds: 1. I like more TIPS than they provide, 2. I like a higher percentage of international than what they provide, and 3. I keep 5% of the portfolio in REITs. The Target Retirement Funds do not provide REITs. Dan Dan, Our thinking is similar except tha...
by norm
Mon Jan 26, 2009 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Taylor turns 85!
Replies: 130
Views: 21282

Happy Birthday Taylor!

Thanks for all of the help you have given me.

Norm
by norm
Fri Jan 23, 2009 5:06 pm
Forum: Investing - Theory, News & General
Topic: Target Retirement Funds - why so little international?
Replies: 43
Views: 6386

I own a Target fund which I supplement with VG International Index, VG TIPS & VG Short Term Bond Index to give me the AA I am comfortable with.
by norm
Wed Jan 21, 2009 4:21 pm
Forum: Personal Consumer Issues
Topic: What is your favorite Pizza Place?
Replies: 47
Views: 10345

Lenny's in Hicksville, NY, been eating it for 10 years and at it's worst it's very good at it's best it's incomparable.
by norm
Mon Jan 19, 2009 11:59 am
Forum: Investing - Theory, News & General
Topic: TIPS: As Percentage of Bond or Overall Portfolio
Replies: 21
Views: 5795

Hi Blues,

I am retired with all of my holdings in taxed advantaged accounts. My bond funds are:

VG Total Bond - 20%
VG Short Term Indx - 6%
VG Tips - 32%

Norm
by norm
Sun Jan 18, 2009 7:19 pm
Forum: Personal Consumer Issues
Topic: The economic situation
Replies: 16
Views: 3024

The economic situation

Investment analyst and entrepreneur Dr. Marc Faber concluded his monthly bulletin (Sep 2008) with the Following: "'The federal government is sending each of us a $600 rebate. If we spend that money at Wal-Mart, the money goes to China . If we spend it on gasoline it goes to the Arabs. If we buy an I...
by norm
Sat Jan 17, 2009 5:46 pm
Forum: Personal Consumer Issues
Topic: What's your favorite pizza?
Replies: 56
Views: 8617

I'm a purist, I prefer a plain cheese pizza. The best pizza I've had was a 3 cheese pizza I had in Woodstock, NY.
by norm
Wed Jan 14, 2009 5:41 pm
Forum: Personal Consumer Issues
Topic: A book quality problem of Jack's new book, Enough
Replies: 17
Views: 3459

Lance,

I know that bootleg books are not permitted in Taiwan now but when I spent a lot of time there in the 70's & 80's there were many bookstores in Taipei that specialized in bootleg books. I would pay $2-3 for current bestsellers. Ah the good ole days.

Norm