Search found 146 matches

by alanf56
Wed Dec 07, 2011 7:44 am
Forum: Investing - Theory, News & General
Topic: Dan Wiener
Replies: 16
Views: 2684

Dan Wiener

I know you guys must know this Dan Wiener guy. What are your thoughts about him? I got an email that at the same time trashes Vanguard funds but says he uses them to make more but only ones you might not think about using. Geesh is this guy a tool or what?
by alanf56
Fri Nov 25, 2011 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard CD
Replies: 10
Views: 1410

Re: Vanguard CD

Also, make sure you understand the differences between a brokered CD and one you get at a bank. If you want to get out of the bank one, you pay an early withdrawal penalty; it you want to get out of the brokered one, you must sell it on the open market and yo may get more or less than your original...
by alanf56
Fri Nov 25, 2011 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard CD
Replies: 10
Views: 1410

Vanguard CD

I am getting a lump sum payout soon and am trying to figure out how I will allocate. I want to do a simple split of some of the money into Total Stock Market, Total Bond and Total International stock. Probably a 40/60 split. With another portion I want to put into a CD and am wondering if the CD's I...
by alanf56
Sun Oct 16, 2011 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Kindergardener's merit award [how to invest it]
Replies: 17
Views: 1475

nisiprius wrote: But I'm curious: what sort of "merit award" is given to kindergarteners?
I was curious about that as well. :D
by alanf56
Sun Oct 02, 2011 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Annaly Capital Management
Replies: 19
Views: 2918

alanf56, I try not to obsess about minute details, or tell people who made misspellings to correct 'm, butt this is an asset whose bottom line is fundamentally sound. You wouldn't want us to make rude puns about it. So perhaps you should edit the initial posting and the thread title to spell the fi...
by alanf56
Sun Oct 02, 2011 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Annaly Capital Management
Replies: 19
Views: 2918

Re: Bogleheads diversify

Hi Alan: This was your last post about individual stocks: Posted: March 07, 2011 7:08 am Check out FCX for a little copper and gold. Even though it has really climbed I don't believe it is nearly done yet. Last March the FCX stock price was over $50. Today it is about $30. Eric Tyson, author of Mut...
by alanf56
Sun Oct 02, 2011 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Annaly Capital Management
Replies: 19
Views: 2918

I used to own NLY a couple of years ago too and was considering setting up a DRIP with them. At the end of the day I simply didn't trust the dividend to last really long term so I went ahead and dropped them when I took up an indexing approach. I know the firm is vulnerable to increasing interest r...
by alanf56
Sat Oct 01, 2011 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Annaly Capital Management
Replies: 19
Views: 2918

Re: Analy Capital Management

Has anyone here looked at Analy (NLY)? Looks like they have a consistent track record with high dividends over the years. The manager has a significant amount of shares in the company so that makes it more interesting to me. Back when I used to own individual stocks, I owned some shares of NLY. I w...
by alanf56
Sat Oct 01, 2011 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Annaly Capital Management
Replies: 19
Views: 2918

Annaly Capital Management

Has anyone here looked at Analy actually should be Annaly as pointed out,(NLY)? Looks like they have a consistent track record with high dividends over the years. The manager has a significant amount of shares in the company so that makes it more interesting to me.
by alanf56
Sun Jul 24, 2011 9:39 pm
Forum: Forum Issues and Administration
Topic: What's the difference between Outbox and Sentbox
Replies: 11
Views: 12127

Outbox is usually where messages go if you are offline or server is down. Once you are online again they get sent.
by alanf56
Sun Jun 12, 2011 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Hybrid - is it worth it?
Replies: 86
Views: 8676

ohiost90 wrote:just to throw a third suv in the mix, check out the chevy traverse / GMC Acadia.

More cargo room and hauling capacity. Down side is mpg.
We are looking at the Hyundai Sante Fe. $22K base, 20/26 mpg, 100K drivetrain warranty.

It is worth having a look at it for sure.
by alanf56
Thu Jun 09, 2011 9:14 pm
Forum: Personal Consumer Issues
Topic: www.condomembershipclub.com worth it?
Replies: 11
Views: 1681

Have you looked at what you can get yet or tried to book? I saw in a search that a bargain radio station was offering the lifetime memberships for 69.95.
It does seem too good to be true so of course makes me skeptical!
by alanf56
Sun Mar 27, 2011 4:58 am
Forum: Personal Finance (Not Investing)
Topic: Commuting to SF by car: East Bay to Civic Ceneter
Replies: 21
Views: 4333

TAKE BART
by alanf56
Fri Mar 25, 2011 12:28 pm
Forum: Personal Consumer Issues
Topic: OK...should we go to Maui??
Replies: 34
Views: 3605

What would Suze say???? :)
by alanf56
Tue Mar 22, 2011 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: What % equity in your home have you reached at age X
Replies: 90
Views: 9919

100% 49 290k
by alanf56
Tue Mar 22, 2011 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Morrill and Janes bank
Replies: 1
Views: 497

Morrill and Janes bank

http://www.mjbtrc.com/default.aspx What do you guys think of this bank? It looks like they have kept their rate the same for 2 years. It seems whenever I move a chunk of cash into a bank the rate drops!! I have a Capitol one account that stayed the same for a long time but it just dropped now to 1.1...
by alanf56
Tue Mar 22, 2011 11:20 am
Forum: Personal Finance (Not Investing)
Topic: LT Savings Rates - down again
Replies: 3
Views: 820

You might check this out. I haven't done it yet but am looking into it.
http://www.mjbtrc.com/default.aspx
by alanf56
Sun Mar 13, 2011 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Anyone using Capital One Banking services?
Replies: 5
Views: 1560

I have a Costco account that at the time got a little more interest plus the 10% bonus. Have a few accounts linked to it and no trouble moving money around with the usual 3 business days for the ACH to clear. It seems to be the best rate out there right now without having to jump through hoops. That...
by alanf56
Mon Mar 07, 2011 7:08 am
Forum: Investing - Theory, News & General
Topic: Best gold/silver mining stocks to invest in?
Replies: 18
Views: 2657

Check out FCX for a little copper and gold. Even though it has really climbed I don't believe it is nearly done yet.
by alanf56
Fri Feb 18, 2011 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: New, approaching the big 5-0 BDay, wanting to get it togethr
Replies: 13
Views: 1463

Don't forget to have a colonoscopy done if you haven't already.
by alanf56
Sat Feb 12, 2011 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: What is the longest you would commute to a job?
Replies: 77
Views: 8375

When I lived in CA I commuted 1 hour 45 minutes one way for ten years. I did it but would NEVER do it again. If it wasn't such a great job I wouldn't have done it then either!
by alanf56
Thu Feb 10, 2011 8:15 pm
Forum: Personal Consumer Issues
Topic: free Tshirt for Vanguard fans on Facebook (first 1000 only!)
Replies: 74
Views: 10513

I think they are giving away more than a thousand too. It has been going for quite some time now.
by alanf56
Sun Feb 06, 2011 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use BOTH TurboTax and TaxCut?
Replies: 24
Views: 3401

I just wish I could get my brokerage 1099s soon, not online at either WF or Fido Me too! I was hoping to be able to get mine in ahead of others that have to wait because they itemize. Ameritrade says they won't be sending theirs out until the 15th which is the date the itemizers can start... Oh well.
by alanf56
Sun Feb 06, 2011 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Anyone use BOTH TurboTax and TaxCut?
Replies: 24
Views: 3401

I ran taxact and tt and got the same result
by alanf56
Sun Feb 06, 2011 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Any Boglehead Not Invested in an Ally CD?
Replies: 86
Views: 18764

Re: Any Boglehead Not Invested in an Ally CD?

[/quote] You don't control those funds for 5 years. You might think you can break the CD within 5 years but it is NOT up to you. http://www.ally.com/legal/#tabs=agreements[/quote] Point us to the verbage in the legal agreement that leads you to that conclusion. I tend to believe the chat result an e...
by alanf56
Sun Feb 06, 2011 9:03 am
Forum: Personal Consumer Issues
Topic: Help! Palladium-pro has taken over my computer
Replies: 46
Views: 5114

maybe try running hijackthis and get rid of any of the following if they are in the list: R1 - HKCU\Software\Microsoft\Windows\CurrentVersion\Internet Settings,ProxyServer = http=127.0.0.1:60061 R3 - URLSearchHook: (no name) - *{CFBFAE00-17A6-11D0-99CB-00C04FD64497} - (no file) O2 - BHO: AdvBHO - {2...
by alanf56
Wed Feb 02, 2011 6:05 pm
Forum: Personal Consumer Issues
Topic: The Munchkin Man's Honda Civic
Replies: 75
Views: 9993

You get what makes you happy!!!!
by alanf56
Wed Feb 02, 2011 6:56 am
Forum: Personal Consumer Issues
Topic: Pitchers and Catchers
Replies: 46
Views: 5327

GIANTS REPEAT!!!! hey you wouldn't have believed me last year either if I had posted Giants win the World Series...
by alanf56
Thu Jan 27, 2011 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Sum of money to invest
Replies: 8
Views: 1671

Is it me or does that AA add up to 110%???
by alanf56
Fri Jan 21, 2011 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Best Online Bank to buy CDs from
Replies: 35
Views: 4936

That "amount withdrawn" lingo from Discover (in the post above) got me to thinking... Some banks let you withdraw a portion of your money and pay a penalty on it without breaking the entire CD. Ally doesn't do this - just called to confirm. So if you want flexibility, just split your money up into ...
by alanf56
Fri Jan 21, 2011 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Best Online Bank to buy CDs from
Replies: 35
Views: 4936

Since Ally did have unfavorable reviews I went back to Discover Bank. They also have a 2 month penalty for early withdrawal. Thanks for the replies. For a 5 year CD the penalty is 6 months at Discover Bank. Early Withdrawal Fees CD term of less than one year -- 3 months simple interest on the amoun...
by alanf56
Fri Jan 07, 2011 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity plan
Replies: 4
Views: 1054

So nobody sees any problems with this???
by alanf56
Thu Jan 06, 2011 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity plan
Replies: 4
Views: 1054

Annuity plan

OK guys so I came across this one .... Take a look and tell me where the catch is on this so called hybrid annuity plan. I know it is just too good to be true. http://www.seniorannuityalert.com/hybridincomeplan.aspx
by alanf56
Thu Jan 06, 2011 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Account Recommendations
Replies: 3
Views: 1430

I opened a Capital one account a few years ago and then when the Costco offer came up I opened another one. I have not had a problem with either over the years. It typically takes a few business days for a transfer of money happens but it does happen. I have received the bonus on the Costco account ...
by alanf56
Tue Dec 28, 2010 8:38 am
Forum: Investing - Theory, News & General
Topic: Baby Boomers' Retirements in Jeopardy
Replies: 4
Views: 1056

I would be happy to get 4% on all my nest egg from here on out! :)
by alanf56
Tue Dec 14, 2010 9:56 am
Forum: Personal Consumer Issues
Topic: Cliff Lee to Philadelphia
Replies: 45
Views: 4990

GIANTS still have the better pitching staff!!! :)
by alanf56
Wed Dec 08, 2010 5:12 pm
Forum: Personal Consumer Issues
Topic: Re:
Replies: 4
Views: 1203

Great Call LOL It only went up $3.86 today on a neutral market day.. geesh
by alanf56
Sat Dec 04, 2010 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Pension, lump sum or annuity?
Replies: 58
Views: 8266

[quote="JW Nearly Retired" Age 70 is 14 years away so you would be giving up 14x12x2650 = $445,200 in income over those years. Assuming you spend nothing of your lump sum and do grow it to $700K, the safe yearly withdrawel rate of 4% only amounts to $28000/year = $2333/month. Still less then the $26...
by alanf56
Wed Dec 01, 2010 2:52 pm
Forum: Personal Consumer Issues
Topic: driving down the pacific coast highway
Replies: 31
Views: 4395

Six hours would be if you took I-5. More like 8 hours on 1 and 101. Well worth the time though. Monterey/Pebble Beach is nice for scenery and further down Big Sur is absolutely beautiful. Get out and hike around there a bit and you will really enjoy it. Julia Pfeiffer State Park there has a nice bea...
by alanf56
Tue Nov 30, 2010 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: investing lump sum
Replies: 16
Views: 2580

Yes indeed I will be 55 in January. One problem I do have is I don't have a high percentage of funds in tax advantaged accounts. Since I will retire in November 2011 there isn't much time for me to build much more either. Since that is the case would it be more wise for me to up the percentage of th...
by alanf56
Tue Nov 30, 2010 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: investing lump sum
Replies: 16
Views: 2580

I wonder what Laura thinks... :)
by alanf56
Tue Nov 30, 2010 11:12 am
Forum: Investing - Help with Personal Investments
Topic: investing lump sum
Replies: 16
Views: 2580

investing lump sum

At this time next year if I take a lump sum option I will have one in the neighborhood of 500K. I would want to roll this amount over and not touch it for quite a few years. Is it possible to roll this over into Vanguard admiral shares??? If so the mix I am considering is: 55% VBTLX Vanguard Total B...
by alanf56
Tue Nov 30, 2010 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Pension, lump sum or annuity?
Replies: 58
Views: 8266

dogdoc I think in reading all the posts the one thing that really sticks in my mind is that if you take the annuity and it is 50% survivorship then you will lose half of your money if your husband were (god forbid) to pass. Then I think the deal really loses its appeal. I can see where this decision...
by alanf56
Tue Nov 30, 2010 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Pension, lump sum or annuity?
Replies: 58
Views: 8266

Be aware that a ‘Life Annuity with 50% survivor’s benefit’ is not necessarily the same as the ‘Joint and Survivor Annuities’ talked about later in this thread. Annuities can be purchased which maintain the benefit for the second to die at the same level and do not reduce it to 50%. An annuity with ...
by alanf56
Tue Nov 30, 2010 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Pension, lump sum or annuity?
Replies: 58
Views: 8266

So.... If I take the 480000 and just put it in a conservative 5 year CD at PenFed at 2.75% and wait until I am 70 that money will have grown to over 700K which I think is much better than taking a monthly payment. Age 70 is 14 years away so you would be giving up 14x12x2650 = $445,200 in income ove...
by alanf56
Mon Nov 29, 2010 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: Pension, lump sum or annuity?
Replies: 58
Views: 8266

My case

I am in a similar place when planning to retire end of 2011 at almost age 56. In my case the payout will be around 480000 (low estimate) or 2650 per month. The reason I say low estimate is because this is actually the number I was given if I did it this year and both payments will most likely go up....