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Old 02-13-2008, 01:05 PM   #81
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What's with the wire transfer? Is not your Vanguard account set up for ACH transfers to/from your checking account already? And it's free!
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Old 02-13-2008, 01:06 PM   #82
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What's with the wire transfer? Is not your Vanguard account set up for ACH transfers to/from your checking account already? And it's free!
Vanguard's Ach transfer limit is $100K, and it takes two days, and I remember reading SOMEWHERE that my bank has fees on Ach transfers of this type, after a certain number/month. And really, after that phone call I just wanted to get it ALL moved to Vanguard and out of my underhanded, scheming bank as soon as I could. It only cost $15.

Uh-oh! Hope I'm not losing my LBYM attitude. It does fit into my budget, though.
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Old 02-13-2008, 01:10 PM   #83
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Hee hee! Luckily, government is a major "industry" in Louisiana, comprising a large portion of our economy. So, there are probably quite a few women here fitting that description.
I'm thinking Wisconsin has got to be right there with you, we have one of the highest amount of retired govt workers per capita in the USA.........

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Wait! Change that "luckily" to "unfortunately". We need some manufacturing plants and other employers and jobs around here in this poorest state of the Union.
You guys HAVE to be richer than Mississippi..........
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Old 02-13-2008, 01:15 PM   #84
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I'm thinking Wisconsin has got to be right there with you, we have one of the highest amount of retired govt workers per capita in the USA.........

You guys HAVE to be richer than Mississippi..........
We're giving them some serious competition! Usually we are neck and neck at the bottom of the "good lists" and the top of the "bad lists". Mississippi managed to get a Nissan plant, and other automotive plants, and the casinos on the Gulf Coast. We have oil, gumbo, and crooked politicians. I have great hopes for our new governor, but he has only been in office a few weeks.
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Old 02-13-2008, 01:34 PM   #85
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We're giving them some serious competition! Usually we are neck and neck at the bottom of the "good lists" and the top of the "bad lists". Mississippi managed to get a Nissan plant, and other automotive plants, and the casinos on the Gulf Coast. We have oil, gumbo, and crooked politicians. I have great hopes for our new governor, but he has only been in office a few weeks.
You forgot Mardi Gras and low test scores..........
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Old 02-13-2008, 01:41 PM   #86
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You forgot Mardi Gras and low test scores..........
ROFL!! So true. And fais-do-do on the bayou, pirogues, crawfish, pelicans, and now gutted, moldy houses standing sadly in what was once called America's most European city.
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Old 02-13-2008, 02:22 PM   #87
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ROFL!! So true. And fais-do-do on the bayou, pirogues, crawfish, pelicans, and now gutted, moldy houses standing sadly in what was once called America's most European city.
I haven't been your way for "quite a spell", but I went to Mardi Gras one year, and other than the drive down and the drive back, I remember NOTHING! (Although I was told by some folks I trust I had a great time!)
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Old 02-13-2008, 05:02 PM   #88
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It only cost $15.
Uh-oh! Hope I'm not losing my LBYM attitude. It does fit into my budget, though.
I don't think $15 is going to lead you from a lifetime of frugality to frittering it all away...

Besides you're supposed to set aside 5%-10% of that windfall and blow it on something frivolous. Hopefully $15 wasn't all of it!

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... I remember NOTHING! (Although I was told by some folks I trust I had a great time!)
Well, gosh, that's what the pictures are for. Haven't they shown them to you yet?
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Old 02-13-2008, 05:09 PM   #89
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W2R - I'm shocked that someone of your intelligence could be intimidated by an anonymous voice on the phone. I just read this thread and all the good information on it. The only thing I might add is my standard reply to all phone calls from strangers: "Sorry, I only take private calls here," and hang up immediately. Then I don't worry about hurting the feelings of someone who might be a volunteer at a charitable organization.
My mother has been taken in by solicitors in the past to her regret. I've told her that anyone that telephones or comes to the door uninvited, should be dismissed immediately. She and I are both softies so therefore don't dare let a word in edgewise lest we feel sorry for the person.
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Old 02-13-2008, 05:52 PM   #90
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W2R - I'm shocked that someone of your intelligence could be intimidated by an anonymous voice on the phone. I just read this thread and all the good information on it. The only thing I might add is my standard reply to all phone calls from strangers: "Sorry, I only take private calls here," and hang up immediately. Then I don't worry about hurting the feelings of someone who might be a volunteer at a charitable organization.
My mother has been taken in by solicitors in the past to her regret. I've told her that anyone that telephones or comes to the door uninvited, should be dismissed immediately. She and I are both softies so therefore don't dare let a word in edgewise lest we feel sorry for the person.
Thanks for the compliment - - I guess he just went right for my weak points at a vulnerable moment. I normally just hang up too, but I thought maybe there was a problem with the check (since he knew about it). Oh well!
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Old 02-13-2008, 05:58 PM   #91
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I don't think $15 is going to lead you from a lifetime of frugality to frittering it all away...

Besides you're supposed to set aside 5%-10% of that windfall and blow it on something frivolous. Hopefully $15 wasn't all of it!
Nope! Not the entire amount. I would feel guilty if I spent principal, but I have an idea. I think what I'll do instead, is to allow myself to fritter away my ENTIRE $1395 tax refund AND $600 economic stimulus check this year. Normally, things like that always have to go into the nestegg. Now, the question will be to figure out something that I want before the refund check arrives (about ten days). :confused: I am actually quite satisfied with what I have. Maybe some art. Maybe new clothes.
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Old 02-13-2008, 06:12 PM   #92
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Isn't being slightly unscrupulous sort of like being slightly pregnant?
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Old 02-13-2008, 06:30 PM   #93
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Isn't being slightly unscrupulous sort of like being slightly pregnant?
Well remember, I live in Louisiana - - home of the grey area, where politicians that are only a little bit corrupt are often the best choice on the ballot.

But one thing's for sure: When I ER, I am not going to be just a little bit retired!
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Old 02-13-2008, 07:36 PM   #94
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w2r,

Warning: Unsolicited advice coming.

I see you transferred the money to Vanguard. If you didn't already invest it according to your overall AA, I suggest this - for the immediate future, put it in Vanguard's Prime Money Market fund.

This is my thinking: you don't want to make any radical changes. VMMXX yield is 4.03% according to the latest update I have. That means that every $100,000 invested will give you $336 per month. Should be stable and above the inflation rate.

Good luck to you!
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Old 02-13-2008, 07:48 PM   #95
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w2r,

Warning: Unsolicited advice coming.

I see you transferred the money to Vanguard. If you didn't already invest it according to your overall AA, I suggest this - for the immediate future, put it in Vanguard's Prime Money Market fund.

This is my thinking: you don't want to make any radical changes. VMMXX yield is 4.03% according to the latest update I have. That means that every $100,000 invested will give you $336 per month. Should be stable and above the inflation rate.

Good luck to you!
Thank you. That's exactly where it's headed. Guess we were thinking along the same lines! I plan to move into my equity index funds very gradually, given the uncertain market right now. Meanwhile, the balance will remain in VMMXX.
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Old 02-13-2008, 07:53 PM   #96
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Well, I *have* noticed that the more someone agrees with me, the smarter they are...

:bows:

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Old 02-13-2008, 09:21 PM   #97
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Well, I *have* noticed that the more someone agrees with me, the smarter they are...

:bows:

I need some boots...........
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Old 02-13-2008, 09:35 PM   #98
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Now, the question will be to figure out something that I want before the refund check arrives (about ten days). :confused: I am actually quite satisfied with what I have. Maybe some art. Maybe new clothes.
I haven't been paying attention-- is Mardi Gras done yet? How many LA residents own their own Mardi Gras float?

Or buy out some supplier's bead surplus, and let people wonder what you did to acquire so many of them...
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Old 02-14-2008, 06:48 AM   #99
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I haven't been paying attention-- is Mardi Gras done yet? How many LA residents own their own Mardi Gras float?

Or buy out some supplier's bead surplus, and let people wonder what you did to acquire so many of them...
Good idea! Yes, Mardi Gras is over - - it was very early this year, on February 5th. As far as beads go, like most "locals" I have boxes and boxes of beads that I don't need, but are too pretty or choice to just throw out. I have them hung all over my house, too, at least on my mirrors and in my dressing room! TMI. Anyway, my tax refund check appeared this morning, earlier than the IRS said it would (thank you, TurboTax!), so I might do some impulse shopping this weekend.

Anyway, in other news, the $$ is safely in Vanguard VMMXX this morning and I feel SO MUCH BETTER. My bank was bought out a couple of years ago by Capital One, and frankly, I trust Vanguard a lot more than Capital One.
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Old 02-14-2008, 03:53 PM   #100
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Anyway, in other news, the $$ is safely in Vanguard VMMXX this morning and I feel SO MUCH BETTER. My bank was bought out a couple of years ago by Capital One, and frankly, I trust Vanguard a lot more than Capital One.
Plus, VMMXX currently pays you a 4% interest rate.
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