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Re: POLL: Do you personally own a cell phone?

I've a smart phone... But, I don't have the Data plan. However, I can access WiFi at home, library, coffee shop, etc. Just not on the street or in the car. What carrier do you use? I am under the impression that Verizon would not sell you a smart phone without a data plan. I have become so dependen...
by BHCadet
Mon Nov 24, 2014 12:13 am
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 52
Views: 2938

Re: POLL: Do you personally own a cell phone?

I've a smart phone...
But, I don't have the Data plan.
However, I can access WiFi at home, library, coffee shop, etc.
Just not on the street or in the car.
by BHCadet
Sat Nov 22, 2014 3:15 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 52
Views: 2938

Re: What do you splurge on?

Paying for 100% of my daughter's college expense.
Paid for my son's car when he graduated last year.
Gifts to family members.
Travel...
by BHCadet
Fri Nov 21, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 231
Views: 19841

Re: Apple Stores - do they try to be awful?

I am "all Apple" with an old iMac, an iPad and a couple of iPhones. The Genius bar has helped me many times without cost for products that are well out of warranty. I do wish to say that today a friend of mine went to the Apple store in Manhattan Beach . He saw a very long line and went t...
by BHCadet
Tue Nov 18, 2014 9:27 pm
 
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 3904

Re: If your networth is over $3 million, how did you do it?

Salaries - we both work (however, I've retired) with above average salaries. LBYM - We could have lived in a more expensive neighborhood and changed cars every couple years. But, we didn't. Our cars are over 10 years old. Invest and Stay the course - Contributed to the maximum in 401k with additiona...
by BHCadet
Tue Nov 11, 2014 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 270
Views: 33353

Re: Gross Yearly Income needed in Retirement (Speculation)

I just retired this year. Income needed is fluctuated from year to year. I estimated we need the followings after taxes: ...$70k base. ...$30K for travel. ...$20k for big ticket items/emergency. ...$35k for my child’s college. Expenses for college will end in three years. Travel and big ticket items...
by BHCadet
Mon Oct 27, 2014 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 13139

Re: Bogleheads.org equivalents for other areas of life?

http://www.reddit.com/r/bodyweightfitness/

The language is sometime a little rough.
But, this is a great sub forum from reddit for body weight/Calisthenics workouts.
by BHCadet
Mon Oct 27, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 7850

Re: Pull-ups and Push-ups

I'm currently workout five times a week as followed:
Run 15 minutes to warm-up.
7 to 8 sets of the followings:
...8 to 10 pull-ups.
...10 push-ups.
...L-sit - still working on getting one foot up.
...Lunges or Squats.
...Stretches.
Walk 15 minutes to cool-down.
by BHCadet
Thu Oct 02, 2014 2:08 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 350
Views: 48009

Re: Vanguard - set up multiple new accounts, same type

We've three Trust accounts with Vanguard. One of them is a brokerage account. The names of the two non-brokerage accounts are the same except for the date format. One uses '-' and the other one uses '/' The brokerage account has the same name as the one of the non-brokerage accounts. Initially, we w...
by BHCadet
Wed Aug 20, 2014 9:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard - set up multiple new accounts, same type
Replies: 7
Views: 824

Re: Poll: Cash Reserve for Investments

I do have over $100k in cash.
But, it is not earmarked for investment.
It is for my daughter's college expense.
by BHCadet
Sun Aug 17, 2014 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Poll: Cash Reserve for Investments
Replies: 11
Views: 812

Re: Vanguard Lost My Account

Has anybody called Vanguard and asked them to disclose their protocol for compromised accounts, and/or, if that protocol is consistent with OP's experience ? It's doubtful they would tell you with enough detail to be useful. Doing so and getting it published on this message board would give the cro...
by BHCadet
Sun Aug 17, 2014 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 94
Views: 12222

Re: Poll - Do you use Quicken?

Windows 7
by BHCadet
Mon Jul 21, 2014 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 85
Views: 5599

Re: Nuts and bolts - In-Service After Tax Rollover to Roth I

I would also ask Vanguard send me envelopes for mailing the checks to them.
Also, would attach a letter to Vanguard telling them where to deposit the check.
by BHCadet
Wed Jul 16, 2014 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Nuts and bolts - In-Service After Tax Rollover to Roth IRA
Replies: 17
Views: 1295

Re: POLL: Do you have a dedicated REIT allocation?

Including the amounts from Total Stock Market, Total Small Cap Value and Total International, REIT is about 10% of my equity allocation.
by BHCadet
Wed Jul 16, 2014 3:24 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 8495

Re: What after-tax income could you live on today?

At the moment, our after-tax expense is way over 90K because of college expense of our kids.
It will be lower in several years.
by BHCadet
Fri Jul 11, 2014 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 5451

Re: When you retire you plan to?

We're staying at our current house.
However, we may move in the future if our kids moved away after college.
by BHCadet
Mon Jul 07, 2014 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: When you retire you plan to?
Replies: 44
Views: 3637

Re: California Intermediate-Term Tax-Exempt Fund

Approximately 10% of our bonds is VCADX in taxable.
The rest of our bonds is in our tax advantage accounts.
by BHCadet
Sun Jul 06, 2014 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: California Intermediate-Term Tax-Exempt Fund
Replies: 9
Views: 992

Re: The Millionaire Next Door: Are You One?

Yes…
I recently retired, but my spouse is still working.
We're not business owner, but worked for mega corps, LBYM, and keep on saving and investing.
We have a modest house.
Our two cars are 10 and 15 years old.
by BHCadet
Mon Jun 30, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 24167

Re: do you lie about your finances to friends

To me, not sharing personal finance info is not lying.
Just let people generally know you LBYM saving for retirement, college expense, etc, is sufficient.
by BHCadet
Mon Jun 30, 2014 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 10069

Re: Who do you talk with about your financial goals?

My spouse.
But, also share some info with our kids.
by BHCadet
Sun Jun 29, 2014 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9845

Re: Early retirement gotchas

Got bored...
by BHCadet
Wed Jun 18, 2014 12:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Early retirement gotchas
Replies: 28
Views: 5647

Re: What Book Are You Currently Reading? Part V

The Complete Book of Running by James Fixx, circa 1977.
by BHCadet
Wed Jun 18, 2014 12:02 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1230874

Re: I cannot make the jump and retire

I could have retired at 55 two years ago.
But, it took me two years to pull the trigger.
by BHCadet
Fri Jun 13, 2014 10:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: I cannot make the jump and retire
Replies: 73
Views: 8401

Re: Pull-ups and Push-ups

When I first followed this thread in 11/2013, I couldn't do even 1 pull-ups and/or 10 push-ups. But, reading this thread everyday keeps me focus. It wasn't easy. My hands, arms, and shoulders were sore and hurt for too many nights. I can do more now. But, I'm not done yet. It isn't the same as when ...
by BHCadet
Wed May 14, 2014 6:05 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 350
Views: 48009

Re: Roll Call for the Retirement Class of 2014!

My official last day is May 26th. It was May 23rd. I will continue to receive medical insurance coverage from my company including vision until 65, but no dental. I don't have any major plan yet. But, will take a short trip to Las Vegas or San Diego to take me out of work rhythm. I was inspired by t...
by BHCadet
Tue May 13, 2014 9:47 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 257
Views: 25113

Re: RETIRING May 31! Any advice .....?

I too will retire this month on May 23. Financially, I plan to do the same as you. Rollover my 401k to TIRA, Roth Conversion, etc. I do keep a To Do list of things I want to do after retired. Exercises, places I want to visit, volunteer works I interested to do, etc. I retired just before the end o...
by BHCadet
Tue May 06, 2014 11:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8984

Re: RETIRING May 31! Any advice .....?

I too will retire this month on May 23.
Financially, I plan to do the same as you. Rollover my 401k to TIRA, Roth Conversion, etc.
I do keep a To Do list of things I want to do after retired.
Exercises, places I want to visit, volunteer works I interested to do, etc.
by BHCadet
Tue May 06, 2014 2:21 am
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8984

Re: Did you tell anyone you paid off your mortgage?

Yes, we did...
But, only if asked.
by BHCadet
Wed Apr 30, 2014 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 13020

Re: Trouble with Financial Engines Account?

I haven't used financial engines for a long time.
Just checked today from my Vanguard account, the last updated date of my investments including external assets was May 27, 2013.
Such a long time ago...
by BHCadet
Sun Apr 27, 2014 5:22 pm
 
Forum: Investing - Theory, News & General
Topic: Trouble with Financial Engines Account?
Replies: 18
Views: 3863

Re: Determining percentage of reits in portfolio

I struggled with the same question too...
Since Morningstar and Vanguard Portfolio Watch include REIT from all mutual funds when calculating the percentage, in my home spreadsheet for rebalancing, I add about 3% from VTSAX and VSMAX to my REIT allocation. And use the info for helping me to rebalance.
by BHCadet
Sat Apr 26, 2014 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Determining percentage of reits in portfolio
Replies: 5
Views: 638

Re: Do I take the separation package offer?

Can you take unemployment benefits too?
by BHCadet
Tue Apr 08, 2014 1:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Do I take the separation package offer?
Replies: 52
Views: 5710

Re: Meeting with Fidelity [Financial Advisor]

We met with Fidelity account executive. He tried to sale managing our investments, but we have nothing to do with it. When we told him we rebalance in our tax deferred accounts only, he was shock to learn about it. But, I did learn from him using Fidelity tools such as Fidelity Retirement Income Pla...
by BHCadet
Fri Feb 28, 2014 7:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meeting with Fidelity [Financial Advisor]
Replies: 42
Views: 6183

Re: Total Int. Stock % allocation?

I have 30% in Total Intl. in my equity portion of the allocation too.
by BHCadet
Mon Feb 17, 2014 12:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Total Int. Stock % allocation?
Replies: 46
Views: 3304

Re: Safe Withdrawal Rate

I voted for the 3.3% withdrawal rate. But, in reality, I will have several withdrawal rates. At the beginning, for the years before age 65 and pension distribution, the withdrawal rate will be higher. When pension starts at 65, the withdrawal rate will go down to 2.5%. When SS starts at 70, the with...
by BHCadet
Mon Feb 17, 2014 12:18 am
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rate
Replies: 91
Views: 6170

Re: Do you balance your checking account?

I balance my checking account using Quicken. As soon as I write a check, post a future payments to my credit cards or post future transfers between my savings and checking accounts, I update Quicken immediately with the future dates. So, I can adequately forecast my future balance. Of course, for im...
by BHCadet
Sun Feb 16, 2014 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you balance your checking account?
Replies: 114
Views: 5529

Re: Bogleheads and Fast Food

Veggie Grill and Chipotle.
by BHCadet
Mon Feb 10, 2014 5:38 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads and Fast Food
Replies: 77
Views: 4919

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy Birthday!!! Taylor...
by BHCadet
Thu Jan 23, 2014 1:01 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 23224

Re: Who Invests 100% in Passive Index Funds/ETFs

98%...
2% in VCADX - Vanguard California Intermediate-Term Tax-Exempt Fund Admiral Shares.
by BHCadet
Fri Jan 17, 2014 12:55 am
 
Forum: Investing - Theory, News & General
Topic: Who Invests 100% in Passive Index Funds/ETFs
Replies: 79
Views: 6024

Re: Poll: Early retirement investment vehicles

I selected the last one (traditional, taxable, and pension).
Since you didn’t specify, I assume traditional means both IRA and 401K.
by BHCadet
Fri Jan 17, 2014 12:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Early retirement investment vehicles
Replies: 44
Views: 3202

Re: Did you reinvest your distribution cash yet?

Not Yet...
The cash will be reinvested before the end of the month.
by BHCadet
Thu Jan 16, 2014 2:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Did you reinvest your distribution cash yet?
Replies: 34
Views: 2110

Re: Pay check in retirement from funds

I will retire this year.
In my taxable account, all the dividends and capital gains distributions will go to the money market account for withdrawal.
And withdraw rest of the amounts needed for the rest of the year from my taxable account during rebalancing.
by BHCadet
Sun Jan 12, 2014 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: Pay check in retirement from funds
Replies: 21
Views: 1627

Re: Tax returns - keep for 7 years? Longer?

I would say forever.
But, I missed couple years from my old state when I moved when I was in my 20's...
by BHCadet
Sun Jan 12, 2014 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax returns - keep for 7 years? Longer?
Replies: 33
Views: 3262

Re: High Earners - What's Your Profession?

I'm in IT. DW is a software engineer.
by BHCadet
Sun Jan 12, 2014 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 28938

Re: when you reach"your number"

I voted other... I've reached my target and retirement age to receive full retirement benefits from my employer. But, not SS yet. I'm still working waiting for my wife when she can receive full retirement benefits from her employer. We also continue with our savings rate to have more cushions. EDIT:...
by BHCadet
Thu Jan 09, 2014 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: when you reach"your number"
Replies: 84
Views: 9166

Re: In this case would you be done? Have you won?

Since you're still working, I would still contribute the amount to the 401k that will receive matching if there is any.
by BHCadet
Wed Jan 08, 2014 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: In this case would you be done? Have you won?
Replies: 60
Views: 3792

Re: Do you invest in a taxable account?

Yes, but no new money to the taxable account this year (2013) because any money left is going to my kid's college expense.
She is a freshmen.
by BHCadet
Sun Jan 05, 2014 11:40 pm
 
Forum: Investing - Theory, News & General
Topic: Do you invest in a taxable account?
Replies: 111
Views: 7672

Re: College savings for a high-income household

Tax bracket: 33%, approaching 35% Mortgage: 240k @ 4.37%, prefer to keep for tax deductions Maxing out 401k. Contributing ~31k to Roth IRA anually (5.5k via IRA backdoor, and ~25.5k via 401k after tax) Rest goes into taxable At your income level, you have to pay Alternative Minimum Tax (AMT), keepi...
by BHCadet
Thu Jan 02, 2014 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: College savings for a high-income household
Replies: 46
Views: 4937

Re: College savings for a high-income household

Tax bracket: 33%, approaching 35% Mortgage: 240k @ 4.37%, prefer to keep for tax deductions Maxing out 401k. Contributing ~31k to Roth IRA anually (5.5k via IRA backdoor, and ~25.5k via 401k after tax) Rest goes into taxable At your income level, you have to pay Alternative Minimum Tax (AMT), keepi...
by BHCadet
Thu Jan 02, 2014 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: College savings for a high-income household
Replies: 46
Views: 4937

Re: What was your 2013 return?

15.49% on a 65 equities/35 bonds and cash portfolio.
With international as 30% of equities.
by BHCadet
Wed Jan 01, 2014 5:56 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 9653
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