Search found 631 matches
- Wed Apr 14, 2021 12:09 pm
- Forum: Personal Consumer Issues
- Topic: 2021 Wrangler Rubicon unlimited
- Replies: 29
- Views: 2153
Re: 2021 Wrangler Rubicon unlimited
In 2015 I bought my daughter a 2011 40th anniversary edition Wrangler Unlimited with ~55k miles. It came with the hard top but she bought and used a soft top for several years before switching back to the hard top. In addition to normal college kid driving, she's taken it to festivals all over the U...
- Tue Apr 13, 2021 10:03 pm
- Forum: Personal Finance (Not Investing)
- Topic: Anyone contemplating OLY (One Less Year)?
- Replies: 52
- Views: 4774
Re: Anyone contemplating OLY (One Less Year)?
Life is funny. Man plans, god laughs, etc. A few years ago I planned on retiring 6/2023, then 2020 happened and after the recovery I decided to move that date up to 6/2021 and went as far as filling out part 1 of my pension retirement form earlier this year. But an opportunity at work presented itse...
- Tue Apr 13, 2021 7:18 pm
- Forum: Personal Finance (Not Investing)
- Topic: How would you handle this? -- big utility company problem!
- Replies: 68
- Views: 4793
Re: How would you handle this? -- big utility company problem!
Did your neighbor's utility bills go down after you spent the $2,450 to re-insulate?
- Tue Apr 13, 2021 4:20 pm
- Forum: Personal Investments
- Topic: Multiple years of expenses in cash when starting retirement
- Replies: 91
- Views: 6340
Re: Multiple years of expenses in cash when starting retirement
Thanks for everyone’s comments about how they are using the cash and the reasons for stockpiling. However, I’m really looking at how people actually accumulated that cash? Was it slowly over time, selling bonds/equities right before retirement, foregoing other investments the final X years to fund ...
- Tue Apr 13, 2021 3:40 pm
- Forum: Personal Finance (Not Investing)
- Topic: walking the last mile - selling our family home
- Replies: 12
- Views: 1858
Re: walking the last mile - selling our family home
My wife and I are both onboard with the idea of selling our home we've owned since 2000 where our now adult kids primarily grew up and building on some riverfront property we own. Unlike your situation our two properties are only about 20 minutes apart by car so no location upheaval will be involved...
- Mon Apr 12, 2021 9:44 pm
- Forum: Personal Investments
- Topic: Do brokers close accounts of angry customers?
- Replies: 32
- Views: 2717
Re: Do brokers close accounts of angry customers?
What did you say? Sorry, I realize this may come off as a trolling question. I do not mean it that way. This is a genuine question on whether I should be concerned about this in general. Got into a heated fight over the phone with a representative earlier today, and was wondering if people here hav...
- Fri Apr 09, 2021 5:36 pm
- Forum: Personal Finance (Not Investing)
- Topic: Remodel during housing hysteria?
- Replies: 54
- Views: 3580
Re: Remodel during housing hysteria?
Did you consider a full tear down and rebuild? How secure are your jobs? Where are you going to live while the remodel is happening? Will you be increasing the heated/cooled square footage that the current market value is based on? Starting to consider a tear down, but new builds are coming in at $...
- Fri Apr 09, 2021 3:39 pm
- Forum: Personal Finance (Not Investing)
- Topic: Remodel during housing hysteria?
- Replies: 54
- Views: 3580
Re: Remodel during housing hysteria?
Did you consider a full tear down and rebuild? How secure are your jobs? Where are you going to live while the remodel is happening? Will you be increasing the heated/cooled square footage that the current market value is based on?
- Fri Apr 09, 2021 2:00 pm
- Forum: Personal Consumer Issues
- Topic: Smoker recommendations? Meat, not Marlboro.
- Replies: 31
- Views: 2762
Re: Smoker recommendations? Meat, not Marlboro.
RecTeq RT-700 pellet grill/smoker. We had a Big Green Egg for over a decade and switched to the RecTeq 2 years ago. Love it! +1 I have owned an RT-380 for 3 plus years which has been great and just bought a RecTec Bullseye to replace an 11 year old Big Steel Keg (BGE knockoff) that finally died. Fo...
- Fri Apr 09, 2021 11:27 am
- Forum: Personal Investments
- Topic: I cant find anything better than S&P
- Replies: 74
- Views: 7964
Re: I cant find anything better than S&P
Vtsax then chill? Isnt it literally same as vfiax historically? Not according to portfoliovisualizer. Certainly with in error 11.53 vs 11.35 CAGR https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&timePeriod=4&startYear=1972&firstMonth=1&endYear=2021&...
- Fri Apr 09, 2021 11:00 am
- Forum: Personal Investments
- Topic: I cant find anything better than S&P
- Replies: 74
- Views: 7964
Re: I cant find anything better than S&P
My vote: Total US Stock Market Index and chill. Vtsax then chill? Isnt it literally same as vfiax historically? Not according to portfoliovisualizer. Certainly with in error 11.53 vs 11.35 CAGR https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&timePeriod=4&s...
- Fri Apr 09, 2021 9:59 am
- Forum: Personal Investments
- Topic: I cant find anything better than S&P
- Replies: 74
- Views: 7964
Re: I cant find anything better than S&P
- Wed Apr 07, 2021 2:21 pm
- Forum: Personal Investments
- Topic: How much cash do you really hold?
- Replies: 91
- Views: 6287
Re: How much cash do you really hold?
I usually just keep a couple months of expenses in cash but in preparation for retirement next year I'm slightly adjusting our asset allocation by keeping the proceeds of an upcoming inheritance in cash, by selling my wife's accumulated ESPP stock, and by selling one actively managed mutual fund I'd...
- Wed Apr 07, 2021 11:03 am
- Forum: Personal Consumer Issues
- Topic: Shoe Choice for a Walker
- Replies: 33
- Views: 2691
Re: Shoe Choice for a Walker
My wife and I walk about five miles every day (sometimes up to ten miles). The miles take a toll on my walking shoes, and I'm ready to replace my second pair of Solomon X-Ultra 3 hiking shoes (most recent pair purchased on 11/8/2020). The heel end of the sole has worn through. Price is not an issue...
- Mon Apr 05, 2021 10:18 pm
- Forum: Personal Investments
- Topic: 2021 Check Up. 31 Years Old. NW $5M.
- Replies: 48
- Views: 5844
Re: 2021 Check Up. 31 Years Old. NW $5M.
I am 21 years old with only a 10 million net worth. How will I cope?
- Mon Apr 05, 2021 1:52 am
- Forum: Personal Investments
- Topic: AA for someone 2 years from retirement
- Replies: 47
- Views: 4781
Re: AA for someone 2 years from retirement
I'm 421 days from retirement and we're 73/27 with 75% in tax deferred, 2% Roth (will grow to 3% by retirement date), and 23% in taxable. I have 2 years expenses, about 2% of net worth, over and above my pension in cash in taxable. The 27% FI is a combination of TIAA traditional, muni bond mutual fun...
- Sat Apr 03, 2021 11:26 am
- Forum: Personal Consumer Issues
- Topic: Duolingo
- Replies: 41
- Views: 3482
Re: Duolingo
I have had a duolingo account since 2015 and am currently on a 660 day-in-a-row Spanish streak. However I've completed only 3.5 of the 8 checkpoints for Spanish, in part because you have to jump through many advertising and other hoops for each lesson. Looks like we are at a similar point. 600+ day...
- Thu Apr 01, 2021 8:03 pm
- Forum: Personal Consumer Issues
- Topic: Duolingo
- Replies: 41
- Views: 3482
Re: Duolingo
I have had a duolingo account since 2015 and am currently on a 660 day-in-a-row Spanish streak. However I've completed only 3.5 of the 8 checkpoints for Spanish, in part because you have to jump through many advertising and other hoops for each lesson. For example currently each lesson is about 20 s...
- Thu Apr 01, 2021 1:56 pm
- Forum: Investing - Theory, News & General
- Topic: What am I missing? Don't max out your 401k.
- Replies: 80
- Views: 10599
Re: What am I missing? Don't max out your 401k.
Of Dollars and Data article: Why You Shouldn’t Max Out Your 401(k) Phooey! What if You Always Maxed Out Your 401k? https://retireby40.org/what-if-always-maxed-401k/ Pick the year you started (or should have started for some) and see where you would be with the S&P 500 Index Fund (VOO): https://...
- Thu Apr 01, 2021 12:06 pm
- Forum: Personal Consumer Issues
- Topic: High spenders what do you spend on?
- Replies: 255
- Views: 25256
Re: High spenders what do you spend on?
No one is into art/fine collectables? RM That'd require me to understand art or fine collectables. Well.. I don't. My wife just inherited our only piece of something approaching fine art. It is a statue by a Russian/French sculptor nicknamed Erte which my late mother-in-law paid almost $8k for in 1...
- Wed Mar 31, 2021 6:45 pm
- Forum: Investing - Theory, News & General
- Topic: The Consequences of Ignoring Social Security - The White Coat Investor
- Replies: 12
- Views: 2426
Re: The Consequences of Ignoring Social Security - The White Coat Investor
It is weird that an article dated March 2021 has comments going back to 2015.
- Wed Mar 31, 2021 11:49 am
- Forum: Personal Consumer Issues
- Topic: High spenders what do you spend on?
- Replies: 255
- Views: 25256
Re: High spenders what do you spend on?
Get sick. Medical: $26,000 per year, unreimbursed, mostly for Rx's. Buy a second/third residence....however, if you do it right your NW will increase more than cash decreases. Get expensive toys and use them. Planes are number one Boats Race cars RV's Golf vacations Art collections Car collections ...
- Tue Mar 30, 2021 11:03 am
- Forum: Personal Consumer Issues
- Topic: High spenders what do you spend on?
- Replies: 255
- Views: 25256
Re: High spenders what do you spend on?
I am not a high spender but imo if you want to run through dollars like candy then buy a boat. And here I deleted my boat post because our total annual spend has never been over $120k and averages in the mid $60k range, putting us well below OP's targets. There are boats and there are boats. I wish...
- Mon Mar 29, 2021 6:12 pm
- Forum: Personal Consumer Issues
- Topic: High spenders what do you spend on?
- Replies: 255
- Views: 25256
Re: High spenders what do you spend on?
- Mon Mar 29, 2021 6:09 pm
- Forum: Personal Consumer Issues
- Topic: High spenders what do you spend on?
- Replies: 255
- Views: 25256
Re: High spenders what do you spend on?
I am not a high spender but imo if you want to run through dollars like candy then buy a boat.
We did spend over $20k on a 10 day med. cruise for 4 in 2020. Someday I hope we get to take it.
We did spend over $20k on a 10 day med. cruise for 4 in 2020. Someday I hope we get to take it.
- Mon Mar 29, 2021 12:38 pm
- Forum: Personal Consumer Issues
- Topic: Alabama Vacation: Orange Beach vs Gulf Shores?
- Replies: 14
- Views: 2036
Re: Alabama Vacation: Orange Beach vs Gulf Shores?
25 miles west of Gulf Shores puts you on Dauphin Island. The delta watershed runoff there doesn't make for very clear water imo.
- Fri Mar 26, 2021 7:28 pm
- Forum: Personal Consumer Issues
- Topic: Alabama Vacation: Orange Beach vs Gulf Shores?
- Replies: 14
- Views: 2036
- Thu Mar 25, 2021 6:50 pm
- Forum: Personal Finance (Not Investing)
- Topic: Should I stay or should I go?
- Replies: 48
- Views: 5053
Re: Should I stay or should I go?
You are in the top 4% of net worths for your age group per dqydj. If you can't retire who can?
- Wed Mar 24, 2021 9:08 am
- Forum: Personal Investments
- Topic: What do most people do with a 401K upon retirement if they dont need it?
- Replies: 169
- Views: 15283
Re: What do most people do with a 401K upon retirement if they dont need it?
Furthermore, I spoke with a person who is financially successful and prudent in my family. He is older than me by a good bit. I asked if he considered Roth conversions. He said, “Never heard of them.” Bear in mind he is financially successful and prudent. He uses an advisor, reluctantly by his own ...
- Tue Mar 23, 2021 8:20 pm
- Forum: Personal Consumer Issues
- Topic: Baylor, Auburn or ‘Bama?
- Replies: 73
- Views: 5250
Re: Baylor, Auburn or ‘Bama?
Alabama (and UAB) and Auburn are all classified as Carnegie R1: Doctoral Universities – Very high research activity. Baylor is not.
- Tue Mar 23, 2021 7:22 pm
- Forum: Personal Consumer Issues
- Topic: Baylor, Auburn or ‘Bama?
- Replies: 73
- Views: 5250
Re: Baylor, Auburn or ‘Bama?
You've never heard of Tim Cook or Jimmy Wales?
- Tue Mar 23, 2021 3:54 pm
- Forum: Personal Finance (Not Investing)
- Topic: Calling Pralana Calculator Users
- Replies: 29
- Views: 2135
Re: Calling Pralana Calculator Users
xlsm format indicates the spreadsheet contains macros. I paid for Pralana Gold and it is also .xlsm format and opens fine in Excel 365. I just downloaded PRC2021.2.Bronze-******.xlsm and it also opened right up in Excel 365 though I had to give explicit permissions to edit the file and for it to run...
- Tue Mar 23, 2021 9:56 am
- Forum: Personal Consumer Issues
- Topic: Baylor, Auburn or ‘Bama?
- Replies: 73
- Views: 5250
Re: Baylor, Auburn or ‘Bama?
Auburn '82 Accounting BS. I worked for a big 8 firm but decided accounting wasn't for me. I grew up in Tuscaloosa (Tuscaloosa High School grad) as my dad was a faculty member there for 22 years and all my siblings and in-laws are UA grads, many still living in T-town. I have lived in Alabama for the...
- Mon Mar 22, 2021 8:59 pm
- Forum: Personal Investments
- Topic: What do most people do with a 401K upon retirement if they dont need it?
- Replies: 169
- Views: 15283
Re: What do most people do with a 401K upon retirement if they dont need it?
Let it ride. And be prepared for RMDs as previously mentioned. You will see mentions of Roth conversions. I view them as gimmicky and unnecessary. The stated gain from Roth conversions, if this information can be squeezed out of the posters, is tiny in the big picture. The juice isn't worth the squ...
- Mon Mar 22, 2021 12:25 pm
- Forum: Personal Investments
- Topic: What do most people do with a 401K upon retirement if they dont need it?
- Replies: 169
- Views: 15283
Re: What do most people do with a 401K upon retirement if they dont need it?
Rolling over to an IRA likely involves snail mailing a check around, which means time out of market. If the market moves during this time with a seven figure portfolio, it could cost you thousands. I plan to leave it in the 401k. If your 401k is administered directly by one of the larger brokerages...
- Sun Mar 21, 2021 1:29 pm
- Forum: Personal Investments
- Topic: Which international to move into.....
- Replies: 25
- Views: 2340
Re: Which international to move into.....
A showing you drive to in your hybrid Camry.watchnerd wrote: ↑Sun Mar 21, 2021 6:31 amEnough to cover AARP-discounted senior matinee movie tickets!Triple digit golfer wrote: ↑Sun Mar 21, 2021 3:37 am $17! Do you realize how much that'd be worth at a 10% return for 30 years?!
- Sat Mar 20, 2021 10:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: Can you give financial advice to friends and receive money?
- Replies: 54
- Views: 4596
Re: Can you give financial advice to friends and receive money?
Some of my friends have been asking me for advice about investment choices and retirement planning. Most of the questions are simple, I have been happy to give them my candid advices which are appreciated. However, maybe my advices have helped them and words are spreading. More people are asking me...
- Thu Mar 18, 2021 1:17 pm
- Forum: Personal Consumer Issues
- Topic: Costco Citi Visa annual reward; Executive Member annual reward redemptions
- Replies: 49
- Views: 8621
Re: Costco Citi Visa annual reward; Executive Member annual reward redemptions
Update: I made my first visit to a warehouse in over a year today. Wow, great to be back. No problem getting cash for my Costco Citi Visa annual reward, except, at least in my warehouse, you must go to the checkout cashier. They would not cash it at Customer Service as in past years. I tried to get...
- Thu Mar 18, 2021 1:11 pm
- Forum: Personal Consumer Issues
- Topic: [On-going Scams - Post them here]
- Replies: 452
- Views: 33162
Re: So how exactly would this text message scam work?
I think it is more likely to be a stealthy realtor solicitation than a scam. My wife is cleaning out her late mom's house before the reverse mortgage company takes possession. Somehow realtors have gotten her cell number and texted her several solicitations about it, and in some they've implied they...
- Wed Mar 17, 2021 11:02 pm
- Forum: Personal Finance (Not Investing)
- Topic: Financial tools mentioned on the forum - strengths and weaknesses
- Replies: 38
- Views: 5000
Re: Financial tools mentioned on the forum - strengths and weaknesses
Should be an interesting meeting!
- Wed Mar 17, 2021 11:01 pm
- Forum: US Chapters
- Topic: Chicago virtual Bogleheads meeting
- Replies: 58
- Views: 6141
Re: Chicago virtual Bogleheads meeting
Looking forward to this!
- Wed Mar 17, 2021 6:09 pm
- Forum: Investing - Theory, News & General
- Topic: 4% rule disputed (Again??!!)
- Replies: 421
- Views: 29691
Re: 4% rule disputed (Again??!!)
Seems there's a cult-like subculture on Bogleheads insisting 4% SWR is too high. Seems to reflect the inherent conservatism of Bogleheads rather than any empirical studies. This x 1000. Similarly there's a conservative 60/40 AA cult that insists on injecting their dogma in almost every bogleheads t...
- Thu Mar 11, 2021 9:08 pm
- Forum: Personal Investments
- Topic: Life insurance instead of pension survivorship
- Replies: 16
- Views: 1178
Re: Life insurance instead of pension survivorship
I will earn a pension in about 12 years when I am 56. The pension will be worth 60 percent of my final salary with colas each year. I anticipate the pension will be around 85,000 a year. If I choose a survivorship option to include my spouse the payout will be lower- I need to call human resources ...
- Wed Mar 10, 2021 3:33 pm
- Forum: Personal Finance (Not Investing)
- Topic: Is it worth building your dream house?
- Replies: 109
- Views: 7049
Re: Is it worth building your dream house?
My current house is great with an excellent location but as we age we have less and less in common with the neighborhood demographic. Also, looking to the future there are things that I would like to change as we age. All this has got me thinking it is time to build our dream house so we can enjoy ...
- Wed Mar 10, 2021 1:42 pm
- Forum: Personal Finance (Not Investing)
- Topic: Listing Realtor asking me to have mortgage lenders call her directly.
- Replies: 85
- Views: 6506
Re: Listing Realtor asking me to have mortgage lenders call her directly.
If the agent is making unreasonable demands you can complain to their managing broker and if they can't resolve it consider filing a BBB complaint or one with the NAR. If your state has a real estate licensing board you could also make a complaint to them. Some realtors in hot markets seem to think ...
- Wed Mar 10, 2021 10:59 am
- Forum: Personal Finance (Not Investing)
- Topic: Is it worth building your dream house?
- Replies: 109
- Views: 7049
Re: Is it worth building your dream house?
My current house is great with an excellent location but as we age we have less and less in common with the neighborhood demographic. Also, looking to the future there are things that I would like to change as we age. All this has got me thinking it is time to build our dream house so we can enjoy ...
- Tue Mar 09, 2021 5:32 pm
- Forum: Personal Finance (Not Investing)
- Topic: Might miss out on that stimulus cheddar...again
- Replies: 17
- Views: 3599
Might miss out on that stimulus cheddar...again
Our family income in 2019 was too high to qualify for 2020 stimulus money as my wife taking a buyout pushed us into high earner territory. I read this in an AARP article on the subject of how the process will go in 2021: "The new legislation says the Treasury Department can use information from...
- Tue Mar 09, 2021 4:32 pm
- Forum: Personal Investments
- Topic: Tools for optimizing Roth conversions?
- Replies: 63
- Views: 5515
Re: Tools for optimizing Roth conversions?
The Chicago Bogleheads are hosting a demo of the Pralana Gold retirement calculator done by its creator Stuart Mathews. Pralana Gold IMO does a very good job of modeling and optimizing Roth conversions and I'm almost positive that feature will be demoed. The zoom meeting is on March 18th at 7 and th...
- Mon Mar 08, 2021 2:14 pm
- Forum: Personal Investments
- Topic: Looking for next steps after early retirement
- Replies: 9
- Views: 2077
Re: Looking for next steps after early retirement
I would confirm that you must sell all the investments in your managed Fidelity account if you decide to self manage it. I previously switched from a managed Schwab account to self management and all that happened is that I was given control over the account. No investments were sold as part of the ...
- Sun Mar 07, 2021 10:49 am
- Forum: Personal Investments
- Topic: Roast me! ER doctor portfolio
- Replies: 128
- Views: 13667
Re: Roast me! ER doctor portfolio
You're obviously in fantastic shape and don't need any financial advice but that hasn't stopped me in the past so here goes nothing.
Consider diversification into real estate. Start here imo:
https://duckduckgo.com/?q=real+estate+i ... com&ia=web
Consider diversification into real estate. Start here imo:
https://duckduckgo.com/?q=real+estate+i ... com&ia=web