Search found 292 matches

by tuckeverlasting
Fri Mar 16, 2012 5:29 pm
Forum: Investing - Theory, News & General
Topic: Scott Burns: Trade cars instead of saving and investing
Replies: 38
Views: 3452

Re: Scott Burns: Trade cars instead of saving and investing

Chances are your 22 mpg car is bigger and heavier making it safer in crashes. There is an argument, I am not sure how valid, that a smaller, lighter, more nimble car can actually be safer than a big heavy one, because one can more easily steer clear of an impending crash. Seems like it could apply ...
by tuckeverlasting
Fri Mar 16, 2012 4:21 pm
Forum: Personal Consumer Issues
Topic: Replacing rented Comcast cable modem?
Replies: 58
Views: 21516

Re: Replacing rented Comcast cable modem?

The large and popular website dslreports has forums and extensive info and tools for all things broadband, including TV and phone: provider-specific. Very useful. BTW I have had Comcast and my own SB modem for many years.

http://www.dslreports.com/forums/all
by tuckeverlasting
Fri Mar 16, 2012 1:11 am
Forum: Personal Finance (Not Investing)
Topic: Reward Checking Accounts vs High Yield CDs/Savings Accounts
Replies: 22
Views: 4013

Re: Reward Checking Accounts vs High Yield CDs/Savings Accou

Thanks a lot. There is really valuable information in this post. I appreciate it. my next question... How safe is this? What due-diligence is needed to make sure these sites I come across are "in fact" Credit Unions. I'd hate to register on a Scam credit union website only to lose my money. Any ris...
by tuckeverlasting
Thu Mar 15, 2012 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Reward Checking Accounts vs High Yield CDs/Savings Accounts
Replies: 22
Views: 4013

Re: Reward Checking Accounts vs High Yield CDs/Savings Accou

I did have a debit card stolen once, from my purse at work. I discovered it that same night and called the bank. The card had already been used to the tune of $800 or so, at Walmart, etc., evidently as a signature-based transaction. The bank gave me provisional credit immediately, then made it perma...
by tuckeverlasting
Thu Mar 15, 2012 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Reward Checking Accounts vs High Yield CDs/Savings Accounts
Replies: 22
Views: 4013

Re: Reward Checking Accounts vs High Yield CDs/Savings Accou

I thought carefully about whether the requirements for my rewards checking account would fit into my life. And I searched diligently until I found one that did. As I posted in another thread, they pay 2.50% interest on up to $20K. In my case, the debit card monthly cycle dates are spelled out clearl...
by tuckeverlasting
Sun Mar 11, 2012 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Deposited 2000 in cash into HSBC ATM: Didn't get credit
Replies: 29
Views: 8289

Re: Deposited 2000 in cash into HSBC ATM: Didn't get credit

Once when I got a small amount of cash from my bank's ATM (on the outside of the branch), it shorted me $5, while debiting my account for the full amount of course. I reported it the next day when the branch opened and they credited my account a few days later, presumably after they verified the mac...
by tuckeverlasting
Sun Mar 11, 2012 7:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: Pat is coming home !
Replies: 115
Views: 13318

Re: Pat is coming home !

Get well soon...and remember, behind every great man...is an even greater woman! :P Thank you for everything.
by tuckeverlasting
Sun Mar 11, 2012 1:57 pm
Forum: Investing - Theory, News & General
Topic: thank you
Replies: 8
Views: 1015

Re: thank you

What's your biggest take away?
That almost anyone can learn the rudiments of investing well enough to become a DIYer. Huge revelation for me.
by tuckeverlasting
Fri Mar 09, 2012 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest Inherited IRA
Replies: 19
Views: 4492

Re: How to Invest Inherited IRA

Thank you livesoft and grabiner for answering my question. I understand the issue better now. In my case, due to my tax situation (no state tax, low bracket) the TIPS will be good in the IRA, and I will stop worrying about it somehow being different because of having to take RMDs. Thank you! 8-)
by tuckeverlasting
Fri Mar 09, 2012 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest Inherited IRA
Replies: 19
Views: 4492

Re: How to Invest Inherited IRA

My spouse has a small inherited IRA. As already mentioned a few times in this thread, we just invest the money in this IRA as part of our overall single portfolio. Just because it is an inherited IRA does not make it special. Money is money. We just invested this IRA in a single bond fund at Vangua...
by tuckeverlasting
Fri Mar 09, 2012 9:56 pm
Forum: Investing - Theory, News & General
Topic: My “Aha!” Moment in Investing
Replies: 94
Views: 10402

Re: My “Aha!” Moment in Investing

So,still confused as to next steps, I wandered in to Barnes & Noble and bought 'Mutual Funds for Dummies' written by Eric Tyson . 'Mutual Funds for Dummies' was part of my "Aha!" moment too. Other books played a part, but that one plus The Bogleheads' Guide to Investing really brought it home for m...
by tuckeverlasting
Thu Mar 08, 2012 12:09 pm
Forum: Investing - Theory, News & General
Topic: I-bond limit
Replies: 37
Views: 4763

Re: I-bond limit

Is the treasury direct site still a hassle to deal with as I've read about in the past? This is the main barrier preventing me from buying these. I don't find the TD site to be a hassle at all, or have any problems with it. Having heard so much about how problematic it can be, I am very careful to ...
by tuckeverlasting
Wed Mar 07, 2012 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Scary scam
Replies: 9
Views: 1693

Re: Scary scam

Then there's the rental scam, where someone goes to a house or apartment for rent, does paperwork and hands over their deposit, first- and last-months' payment, etc., only to find out later the person posing as the landlord had no legitimate connection to the property. I know I've seen accounts of t...
by tuckeverlasting
Wed Mar 07, 2012 5:55 pm
Forum: Investing - Theory, News & General
Topic: My “Aha!” Moment in Investing
Replies: 94
Views: 10402

Re: Kind words

Hi Tuck: Thank you for your kind words--especially about our book. The Bogleheads' Guide to Investing was a labor of love by Mel, Michael and myself. Best wishes. Taylor Dear Taylor, My words and thanks are heartfelt, and you are more than welcome. It comes through loud and clear that your book was...
by tuckeverlasting
Wed Mar 07, 2012 1:30 pm
Forum: Investing - Theory, News & General
Topic: My “Aha!” Moment in Investing
Replies: 94
Views: 10402

Re: My “Aha!” Moment in Investing

I came to investing late in life after receiving an inheritance and was fortunate to stumble upon the Bogleheads' philosophy when I first began my journey. It came about when I found the Bogleheads' Guide to Investing at the library. I had brought home a whole stack of books about investing but this...
by tuckeverlasting
Fri Mar 02, 2012 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: bonds
Replies: 55
Views: 4935

Re: bonds

Where or under what conditions can you find 2.75%? According to what I have been reading on the board, this has been available at PenFed for 7-year CDs, but the rate just dropped a couple days ago to 2.50%. Some have suggested these CDs as an alternative to TIPS in an IRA (specifically mine, but I ...
by tuckeverlasting
Fri Mar 02, 2012 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: bonds
Replies: 55
Views: 4935

Re: bonds

Where or under what conditions can you find 2.75%? According to what I have been reading on the board, this has been available at PenFed for 7-year CDs, but the rate just dropped a couple days ago to 2.50%. Some have suggested these CDs as an alternative to TIPS in an IRA (specifically mine, but I ...
by tuckeverlasting
Thu Mar 01, 2012 12:56 am
Forum: Investing - Help with Personal Investments
Topic: Signature Medallion Guarantee
Replies: 27
Views: 7312

Re: Signature Medallion Guarantee

We're having the same problem with Treasury Direct. My wifes application didnt match her name exactly as her social security card (post marriage hyphenated thing) so they are requiring a signature medallion guarantee. Our credit union doesnt do it and the rest of the banks in our small rural town r...
by tuckeverlasting
Tue Feb 28, 2012 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Adding in this market
Replies: 10
Views: 1174

Re: Adding in this market

I can speak from similar experience. I have had a lot of cash on the sidelines for a long time, but now I have a plan, thanks largely to members of this forum.-Iced Tea I am in the exact same position. After months of learning, planning, agonizing and finally, asking questions here, I am on the ver...
by tuckeverlasting
Tue Feb 28, 2012 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Signature Medallion Guarantee
Replies: 27
Views: 7312

Re: Signature Medallion Guarantee

This problem has been addressed previously in this thread: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=84594 Cliff Notes version: I got the medallion from a bank where I didn't even have an account, after my own bank refused. However OP since you state the following not sure where that leave...
by tuckeverlasting
Tue Feb 28, 2012 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Two books to explain diversification and AA to the retired
Replies: 2
Views: 348

Re: Two books to explain diversification and AA to the retir

I have read a number of investing books from the Bogleheads' booklist, and some others too (all from the library). However the 2 I actually ended up buying because I found them indispensable at my newbie level are The Bogleheads' Guide to Investing , and Mutual Funds For Dummies . They are not only ...
by tuckeverlasting
Tue Feb 28, 2012 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to protect assets from partner's addict daughter?
Replies: 94
Views: 8282

Re: How to protect assets from partner's addict daughter?

If some posters here sound cold (as remarked on upthread), perhaps it is because they have learned there are many things that go by the name of love, which are anything but. In any case it can be helpful to view a situation with the emotion stripped out, a perspective that is difficult to attain on ...
by tuckeverlasting
Mon Feb 27, 2012 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to protect assets from partner's addict daughter?
Replies: 94
Views: 8282

Re: How to protect assets from partner's addict daughter?

The fact that the partner was formerly in an abusive relationship is instructive. It seems to me the partner is falling back into old patterns of dependence (such as financial and emotional), living perpetually in crisis mode and domestic uproar, etc. It is common to repeat old relationship patterns...
by tuckeverlasting
Sun Feb 26, 2012 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: How to protect assets from partner's addict daughter?
Replies: 94
Views: 8282

Re: How to protect assets from partner's addict daughter?

The difficulty is that your romantic partner is the problem, not her child I agree. Bail out now, or go down with the ship. Don't let the drama and notions of "romance" blind you to what is really going on here. Whatever else a long-term relationship may be, it is first and foremost an economic par...
by tuckeverlasting
Wed Feb 22, 2012 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: moving a portion of bonds to ibonds
Replies: 7
Views: 957

Re: moving a portion of bonds to ibonds

Maybe others besides me were wondering if now, or later in the year, is the best time to buy your 2012 allotment of I Bonds. According to The Finance Buff, buying now is a good idea--(see his comments following this blog post): http://thefinancebuff.com/i-bonds-purchase-limit-restored-to-10000-backd...
by tuckeverlasting
Tue Feb 21, 2012 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: I need "high net worth" investing advice please
Replies: 85
Views: 23917

Re: I need "high net worth" investing advice please

This was in contrast to a story I read years ago on how google educated its employees on index investing before going public. (The article was entitled "The best investment advice you'll never get" but the link I had to it has expired with linkrot and I can't find it on the web -- it was in a san f...
by tuckeverlasting
Tue Feb 21, 2012 5:57 pm
Forum: Investing - Theory, News & General
Topic: Interest Rates - Not a Trick Question
Replies: 38
Views: 3252

Re: Interest Rates - Not a Trick Question

Thanks to all for this timely discussion. It has helped clarify my thinking on bonds vs. CDs, a topic that came up in another thread. One question: what is "TANSTAAFL", please? Thanks-- T here A in't N o S uch T hing A s A . . . . (I'll let you finish it.) ...make a conscious decision to take the p...
by tuckeverlasting
Tue Feb 21, 2012 5:22 pm
Forum: Investing - Theory, News & General
Topic: Interest Rates - Not a Trick Question
Replies: 38
Views: 3252

Re: Interest Rates - Not a Trick Question

Thanks to all for this timely discussion. It has helped clarify my thinking on bonds vs. CDs, a topic that came up in another thread. One question: what is "TANSTAAFL", please? Thanks--
by tuckeverlasting
Tue Feb 21, 2012 1:23 am
Forum: Investing - Help with Personal Investments
Topic: First-Time Investor, 62 with Windfall
Replies: 32
Views: 3776

Re: First-Time Investor, 62 with Windfall

I would try to get a copy of the trust and the will...Normally assets must be transferred to the trust before death, but apparently the attorney is working to get around this. If it's less expensive than probate, then that's great. There's something called a pour over will that is often used in con...
by tuckeverlasting
Mon Feb 20, 2012 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: First-Time Investor, 62 with Windfall
Replies: 32
Views: 3776

Re: First-Time Investor, 62 with Windfall

KevinM, You are very kind to write out so much information for me. I pulled out my stack of legal papers related to my dad's estate and looked through them. The entity I have been calling "Admin" (sorry for the inexact term) is a bank who are Trustee of dad's Living Trust. In trying to sift through ...
by tuckeverlasting
Mon Feb 20, 2012 2:38 pm
Forum: Forum Issues and Administration
Topic: HAPPY 5TH BIRTHDAY BOGLEHEADS FORUM
Replies: 30
Views: 3167

Re: HAPPY 5TH BIRTHDAY BOGLEHEADS FORUM

I would like to add that this is a SAFE place where both newbies and experienced investors can discuss sensitive matters without fear of solicitations and the like. I have never seen a forum so free of spam and self-interested agendas, which are not tolerated. The Wiki is a thing of beauty as well. ...
by tuckeverlasting
Mon Feb 20, 2012 3:22 am
Forum: Forum Issues and Administration
Topic: HAPPY 5TH BIRTHDAY BOGLEHEADS FORUM
Replies: 30
Views: 3167

Re: HAPPY 5TH BIRTHDAY BOGLEHEADS FORUM

Happy Birthday Bogleheads! You make a difference in this world.

Here's to you! :sharebeer
by tuckeverlasting
Sun Feb 19, 2012 11:52 pm
Forum: Investing - Help with Personal Investments
Topic: First-Time Investor, 62 with Windfall
Replies: 32
Views: 3776

Re: First-Time Investor, 62 with Windfall

KevinM , thank you very much for addressing each of my concerns in turn! So very helpful. I put my comments about opening new CDs near end of post. Sorry my posts are so long. Assuming CDs can be passed to heirs, administrator is then out of the picture...Unless Capital One has some terms and condi...
by tuckeverlasting
Sun Feb 19, 2012 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: First-Time Investor, 62 with Windfall
Replies: 32
Views: 3776

Re: First-Time Investor, 62 with Windfall

Khanmots , glad to have your opinion added regarding a SPIA! When I first came to the BH forum I noticed SPIAs seemed strongly favored here. This thread has really reinforced that, and I do well to take heed. wjo wrote: If you are ready and willing to manage the portfolio, I see no problem with wha...
by tuckeverlasting
Sun Feb 19, 2012 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: First-Time Investor, 62 with Windfall
Replies: 32
Views: 3776

Re: First-Time Investor, 62 with Windfall

Thank you Kevin M ! Very helpful. The CDs you have now give you more than the income you want: $225K x 5% = $11,250, so you're set for the next few years. Don't let the administrator sell them without a darn good reason! Use the cash to pay estate bills if necessary before selling the CDs. OK, I wil...
by tuckeverlasting
Sun Feb 19, 2012 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: First-Time Investor, 62 with Windfall
Replies: 32
Views: 3776

Re: First-Time Investor, 62 with Windfall

Just a quick comment while I am working on more complete replies to the above: wjo wrote: Your splitting into .1, .8 percentage suggests a desire for precision that makes me a little worried I should have been more clear that the percentages you are referring to are for the Target Retirement Income ...
by tuckeverlasting
Sat Feb 18, 2012 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: First-Time Investor, 62 with Windfall
Replies: 32
Views: 3776

Re: First-Time Investor, 62 with Windfall

Thanks for your comments and guidance , retiredjg . It helps to have some assurance that the course I'm trying to steer is not too far off the mark or going to get me into too much trouble. One other thing I think you should learn about in the next few years is long term care and how an SPIA fits in...
by tuckeverlasting
Sat Feb 18, 2012 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguards Turbo Tax offer
Replies: 48
Views: 3607

Re: Vanguards Turbo Tax offer

This thread is hilarious. ROFL!! :lol
by tuckeverlasting
Sat Feb 18, 2012 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Unclaimed property
Replies: 7
Views: 1091

Re: Unclaimed property

Thanks to this thread I also checked this out and found there was indeed money waiting for me! $342.90 for an insurance refund on property I used to own. Sending off the claim today. Happy dance! :D
by tuckeverlasting
Sat Feb 18, 2012 12:03 am
Forum: Personal Finance (Not Investing)
Topic: At what age did you start feeling old?
Replies: 110
Views: 11007

Re: At what age did you start feeling old?

Not old, exactly, but at some point (long ago, now) I had the unpleasant realization that all the cops and doctors were now younger than me--way younger-- instead of older like it had always been before. :shock: Now some of them are starting to look like they're about 12 years old. And I'm only 62. ...
by tuckeverlasting
Fri Feb 17, 2012 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Your Personal Mentor
Replies: 32
Views: 2308

Re: Your Personal Mentor

Other than Bogleheads do you have someone in your personal life (relative, friend, professional, non professional) that you can rely on for solid advice? Financial in particular but otherwise also. No, and I never have. My entire life I have turned to books (and now the internet) to learn what I ne...
by tuckeverlasting
Fri Feb 17, 2012 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: First-Time Investor, 62 with Windfall
Replies: 32
Views: 3776

Re: First-Time Investor, 62 with Windfall

YDNAL and FNK , Thanks for your comments and for posting very specific portfolios and spelling out how I would get from "here" to "there". Specific is good. :) I need to think things over a little more but will probably end up doing something like what you posted for me. I have my bank account elec...
by tuckeverlasting
Fri Feb 17, 2012 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: First-Time Investor, 62 with Windfall
Replies: 32
Views: 3776

Re: First-Time Investor, 62 with Windfall

Just putting in my 2 cents. . . Is the Disability Income going to transfer to regular Social Security when the OP turns 65/67? Is there no other Pension or Income source after retirement age? What state does the OP live in. I'd be somewhat concerned having all funds in taxable accounts. In Californ...
by tuckeverlasting
Fri Feb 17, 2012 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: First-Time Investor, 62 with Windfall
Replies: 32
Views: 3776

Re: First-Time Investor, 62 with Windfall

KyleAAA and wjo , Thank you for recommending the Target Retirement Income Fund VTINX (.17). It has at present an AA of 30/65/5, as you say with fewer TIPS which is likely not a big deal, and a small difference in expense ratio. I understand the appeal is the simplicity and ease of the All-in-One. B...
by tuckeverlasting
Fri Feb 17, 2012 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: First-Time Investor, 62 with Windfall
Replies: 32
Views: 3776

Re: First-Time Investor, 62 with Windfall

I think you need to reframe this. This is not 'loss of control' this is 'securing your position'. It's a move to safety. You *know* where you stand if you do this. Yes, of course you are right. Thinking otherwise is an illogical emotional response and I need to work on that. When I first started my...
by tuckeverlasting
Fri Feb 17, 2012 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: How can I know whether an inherited IRA has basis or not?
Replies: 9
Views: 9012

Re: How can I know whether an inherited IRA has basis or not

Here is some information I saved from when I was wrestling with this same problem: If no Form 8606 is found--you might also look for Form 5498 which shows an IRA contribution was made. Then look at the tax return for the year the contribution was made to see if a deduction was claimed for the contri...
by tuckeverlasting
Fri Feb 17, 2012 2:30 am
Forum: Investing - Help with Personal Investments
Topic: How much money do I need in retirement?
Replies: 143
Views: 21623

Re: How much money do I need in retirement?

Hector wrote:
verakot wrote: how much money do I need in retirement??
As much as possible..
Brings to mind the apocryphal anecdote told of an esteemed gentleman of great wealth, just deceased. Next morning: "How much did he leave?" was the breathless question. "He left it all," came the reply. :P
by tuckeverlasting
Fri Feb 17, 2012 1:46 am
Forum: Investing - Help with Personal Investments
Topic: All your eggs in one basket?
Replies: 18
Views: 2286

Re: All your eggs in one basket?

Great topic with lots of good info and points made. In addition to more than one bank account, I also keep some actual cash, 1-2 months' worth, "under the mattress." That is in case there is an earthquake or other disaster where everything shuts down for awhile, or at least somehow all the banks, ca...
by tuckeverlasting
Thu Feb 16, 2012 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: First-Time Investor, 62 with Windfall
Replies: 32
Views: 3776

Re: First-Time Investor, 62 with Windfall

YDNAL wrote: It is unclear/confusing if your dad's inheritance is combined with your previous portfolio to come-up with your "current portfolio." I understand your question better now. Astoundingly improbable as it may seem to most readers here, I had no previous portfolio. I have been unable to wo...
by tuckeverlasting
Thu Feb 16, 2012 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: First-Time Investor, 62 with Windfall
Replies: 32
Views: 3776

Re: First-Time Investor, 62 with Windfall

Thanks ValueThinker, Kyle and FNK. I recognize that the SPIA solution is rational and likely a better way to go. The problem lies in the huge psychological barrier I must overcome to actually carry it out--to give up that much control, or perceived control. But certainly warrants further considerati...