Search found 28 matches

by packerguy
Wed Jan 13, 2021 3:20 pm
Forum: Personal Consumer Issues
Topic: How to do the Boundary Waters?
Replies: 30
Views: 2970

Re: How to do the Boundary Waters?

For specific questions try this forum: https://bwca.com/index.cfm?fuseaction=f ... e&confid=1

For your other time in Northern Minnesota, I highly recommend the North Shore of Lake Superior; great scenery, hiking (the Superior Hiking Trail), waterfalls.
by packerguy
Fri Mar 13, 2020 8:55 am
Forum: Personal Consumer Issues
Topic: North Dakota (Rt 94) & South Dakota (Rt 90) Trip
Replies: 14
Views: 808

Re: North Dakota (Rt 94) & South Dakota (Rt 90) Trip

Near the South Dakota/Minnesota border not far off I90, the following may be of interest to you. Palisades State Park (SD), Blue Mounds State Park (MN), and Pipestone National Monument (MN).
by packerguy
Wed Mar 11, 2020 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Traditional IRA to Avoid 22% tax bracket, or just go Roth?
Replies: 9
Views: 735

Re: Traditional IRA to Avoid 22% tax bracket, or just go Roth?

Another benefit of dropping your taxable income below $78,750 (married, filing jointly) which slightly below the end of the 12% bracket is that any qualified dividends and long term capital gains are taxed at 0% vs. 15%.
by packerguy
Sat Nov 02, 2019 12:24 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 402
Views: 87662

Re: The One-Fund Portfolio as a default suggestion

What do people think about AOR (iShares Core Growth Allocation ETF) as an alternative to VSMGX for those that cannot purchase VSMGX commission free (at Schwab there is a$50 fee). AOR's expense ratio is higher at 0.25% and the mix of underlying indexes (funds) is a bit different although it is still ...
by packerguy
Fri Oct 25, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: ACA - Sell Dividend stocks and pay capital gains?
Replies: 11
Views: 1098

Re: ACA - Sell Dividend stocks and pay capital gains?

Do you have the option to go on COBRA for 18 months? This would almost get you to age 65.
by packerguy
Tue Aug 13, 2019 2:39 pm
Forum: Personal Investments
Topic: How to plan for a possible early retirement?
Replies: 7
Views: 1396

Re: How to plan for a possible early retirement?

You can also pull money out of a 401k at age 55. The IRS Rule of 55 allows an employee who is laid off, fired, or who quits a job between the ages of 55 and 59 1/2 to pull money out of his 401(k) or 403(b) plan without penalty. This applies to workers who leave their jobs anytime during or after the...
by packerguy
Tue Mar 26, 2019 7:05 am
Forum: Personal Finance (Not Investing)
Topic: New Hampshire PhD student – Rent or Buy
Replies: 13
Views: 803

New Hampshire PhD student – Rent or Buy

My daughter will be entering a doctoral program at the University of New Hampshire in Durham. I would like to hear opinions on whether it may make sense to buy versus rent for four years (perhaps three). Her boyfriend would be living there as well. I really know nothing about the real estate market ...
by packerguy
Tue Jan 15, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Bogleheads-type forum for Genealogy Research?
Replies: 11
Views: 1201

Re: Bogleheads-type forum for Genealogy Research?

Rootsweb is another source where you can search trees that have been uploaded to the site for free.
The advanced search is here:
https://wc.rootsweb.com/cgi-bin/igm.cgi
by packerguy
Fri Dec 28, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Need year end help to keep MAGI down for ACA!
Replies: 8
Views: 675

Re: Need year end help to keep MAGI down for ACA!

You could contribute to an HSA if your health plan is eligible.
by packerguy
Fri Nov 30, 2018 11:26 am
Forum: Personal Investments
Topic: Nullify Sequence of Returns Risk by Borrowing?
Replies: 31
Views: 2277

Re: Nullify Sequence of Returns Risk by Borrowing?

You could write covered calls on your blue chip stocks to try to squeeze out some extra income. If you consider this please to do your research on cover calls so you know the risks.
by packerguy
Wed Oct 10, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Hiking NH White Mountains. Taking one lens.
Replies: 25
Views: 1209

Re: Hiking NH White Mountains. Taking one lens.

I hiked Mt. Lafayette earlier this summer with a Nikon cropped sensor and a 18-70mm lens and I didn't feel like I was missing out on any shots I wanted. I would say go with the 24-70.
by packerguy
Mon Aug 20, 2018 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Retire and become an Adventure Guide
Replies: 34
Views: 3117

Re: Retire and become an Adventure Guide

I don't know if you are into kayaking, but the Bayfield, Wisconsin area has a number of businesses that guide kayak trips in the Apostle Islands.

Also, perhaps Wilderness Inquiry would be of interest to you: https://www.wildernessinquiry.org/about ... olunteers/
by packerguy
Fri May 11, 2018 12:39 pm
Forum: Personal Investments
Topic: Beyond 401k, IRA, 529, mortgage
Replies: 22
Views: 1923

Re: Beyond 401k, IRA, 529, mortgage

Are you eligible to contribute to an HSA?
by packerguy
Mon Apr 30, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Northern Hiking/Walking Vacation
Replies: 19
Views: 1997

Re: Northern Hiking/Walking Vacation

I also would recommend the Minnesota's Superior Hiking Trail and also the UP of Michigan. There is a shuttle service for the Superior Hiking Trail, park your car at one trailhead, get shuttled to another trailhead and hike back to your car. https://superiorhiking.org/ http://superiorhikingshuttle.com/
by packerguy
Mon Apr 30, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Must See in South Dakota
Replies: 59
Views: 6794

Re: Must See in South Dakota

I would say the Badlands is a must see. Wall Drug and the Corn Palace are a not must see, but are along the way.
by packerguy
Tue Mar 20, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Is a Model Release normal for wedding videography?
Replies: 28
Views: 3157

Re: Is a Model Release normal for wedding videography?

A model release will allow the photographer to sell photos/videos of you with no further (none in your case) compensation. For example, the photographer could sell a clip from your wedding to a bridal shop for a TV or online commercial.
by packerguy
Fri Mar 16, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Which Day Hiking Trails Do You Recommend?
Replies: 44
Views: 4577

Re: Which Day Hiking Trails Do You Recommend?

Bean and Bear Lake on the Superior Hiking Trail in Minnesota.

https://shta.org/trail-section/silver-b ... r-wayside/
by packerguy
Mon Mar 05, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Who Has a Low Hour Post-Retirement "Job" with Good Health Insurance?
Replies: 10
Views: 2032

Re: Who Has a Low Hour Post-Retirement "Job" with Good Health Insurance?

I have heard you can get health insurance working at REI around 20 hours a week; at Aldi for 25 hours a week.
by packerguy
Mon Feb 19, 2018 4:04 pm
Forum: Personal Investments
Topic: Best Investment Options with Zero Earned Income
Replies: 16
Views: 1373

Re: Best Investment Options with Zero Earned Income

You could buy I-Bonds. The tax on the interest is not due until you redeem them.
by packerguy
Fri Feb 16, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Minnesota lake resorts summer 2018
Replies: 32
Views: 3110

Re: Minnesota lake resorts summer 2018

The most scenic part of MN IMHO is the North Shore of Lake Superior. Great hiking with waterfalls and scenic vistas. The rocky shoreline of Lake Superior is beautiful. Stop in Duluth and see the big ships come in. I haven't looked much at the site below but it should be a good starting point. https:...
by packerguy
Wed Dec 27, 2017 4:14 pm
Forum: Investing - Theory, News & General
Topic: Ally 1-year 2.0% CD vs. USAlliance 3-year 2.4% CD
Replies: 5
Views: 1957

Re: Ally 1-year 2.0% CD vs. USAlliance 3-year 2.4% CD

The yield of I-bond is currently 2.58%. How does it compare against Ally 1-year 2.0% CD? I have never bought I-bonds and am not familiar with it except the fixed interest portion and 1/5 year rules. If I want to put away $20K this year for a minimum of a few years without a danger of loss, which ro...
by packerguy
Wed Dec 20, 2017 3:41 pm
Forum: Personal Investments
Topic: Medium Term (2-4 year horizon) investment advice
Replies: 28
Views: 1633

Re: Medium Term (2-4 year horizon) investment advice

You could consider I-bonds (savings bonds), the current interest rate is 2.58% (not 4 to 5%), they are safe, they are tax deferred, no state income tax on earning, adjusted for inflation, can be redeemed for a small penalty after 1 year. Each person can buy $10,000 per year, so you could buy $10,000...
by packerguy
Thu Dec 14, 2017 12:33 pm
Forum: Personal Investments
Topic: 40,000 to safely invest
Replies: 15
Views: 1184

Re: 40,000 to safely invest

You could consider I-bonds (savings bonds), the current interest rate is 2.58%, they are safe, they are tax deferred, no state income tax on earning, adjusted for inflation, can be redeemed for a small penalty after 1 year. Each person can buy $10,000 per year, so you could buy $20,000 worth in Dece...
by packerguy
Wed Dec 13, 2017 1:54 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2867
Views: 455287

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I decided to do a 401K rollover to IRA with Schwab, but they did not have as good of a promotion as TD Ameritrade. I called and asked if they would match the TD Ameritrade offer. It took a few hours to confirm that they would match it, but it was pretty easy. So it does hurt to ask.
by packerguy
Fri Dec 08, 2017 4:26 pm
Forum: Investing - Theory, News & General
Topic: Which is better: Wellesley or 5-yr 2.5% CD?
Replies: 51
Views: 5125

Re: Which is better: Wellesley or 5-yr 2.5% CD?

You could consider I-bonds, they are tax deferred, no state income tax on earning, adjusted for inflation, can be redeemed for a small penalty after 1 year.

See this link for some info: http://www.mymoneyblog.com/savings-i-bo ... -rate.html
by packerguy
Thu Dec 07, 2017 12:44 pm
Forum: Personal Investments
Topic: Which to do - Roth conversion or LTCG?
Replies: 21
Views: 1596

Re: Which to do - Roth conversion or LTCG?

Here is another link explaining the 30% tax bracket. https://earlyretirementnow.com/2016/07/13/that-sneaky-30-federal-income-tax-bracket/ I did some preliminary tax estimates for this year and I am going to be hit by this. The things I am doing to try to minimize the effects of this is to reduce my ...