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Re: What would you have done differently when retiring?

I retired in May 2014.
But, in retrospect, I should have retired sooner like in 2013.
The extra months staying on the job didn't really worth it.
by BHCadet
Wed Mar 04, 2015 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: What would you have done differently when retiring?
Replies: 116
Views: 12621

Re: Wife tired of saving...

OP... It is a good problem to have.
If I have met your savings goal and there is budget left, I would go for it.
However, I wouldn't let others to influence our spending decision.
by BHCadet
Wed Mar 04, 2015 6:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 155
Views: 11156

Re: Do you consider mortgage payments as savings?

Before the house is payoff, the payments will increase my equity and net worth.
After the house is payoff and when I’m retired, the savings from not having a mortgage payment will decrease my withdrawal rate. Therefore, will affect the amount I need to save.
by BHCadet
Wed Mar 04, 2015 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 316
Views: 12836

Re: Poll: Increasing international equities

I am staying the course; keeping same AA. However, for the last couple years, I’ve directed the capital gains and dividend distributions in my taxable account to the Vanguard Total International Stock Fund because its performance is lacking behind the Vanguard Total Stock Market Index Fund. Otherwis...
by BHCadet
Wed Mar 04, 2015 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 56
Views: 3193

Re: Is my employer's 'retiree' practice common?

Alan, The reduced benefit I'd receive by taking the pension early isn't a problem. I don't have any plan to take the pension until 65. My concern is that I won't be considered a company "retiree" until I'm 65 and start drawing on the pension. In the intervening years I'll just be a "...
by BHCadet
Wed Jan 21, 2015 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my employer's 'retiree' practice common?
Replies: 16
Views: 2499

Re: Keeping CC Receipts

I use a shoe box to keep the CC receipts along with the deposit slips and check stubs from my Credit Union for several months.
And I reconciled the transactions in Quicken after they've downloaded every month.
by BHCadet
Mon Jan 12, 2015 1:39 pm
 
Forum: Personal Consumer Issues
Topic: Keeping CC Receipts
Replies: 45
Views: 3733

Re: TurboTax Premier now free (for some)

TurboTax Premier is still free.
As a flagship customer, I just downloaded it to my computer.
by BHCadet
Mon Jan 12, 2015 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Premier now free (for some)
Replies: 20
Views: 4017

Re: Sanity check: turnover of my active management vs. Vangu

The market has been up since 2009, for a $5,300,000 account to have only a long term gain of $173,696 and a short term loss of $18,121, your portfolio either have a very high turnover rate or underperform significantly.
I would move the money to Vanguard ASAP to save the money.
by BHCadet
Mon Jan 12, 2015 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sanity check: turnover of my active management vs. Vanguard?
Replies: 11
Views: 1816

Re: Bogleheads 2015 Hedge Fund Contest

Name: Direct Holding Partners
Long:
AAPL Apple Inc.
BA Boeing Co.
ORCL Oracle Corp.

Short:
CZR Caesars EntMt Corp
NSTG NanoString Technologies Inc
SAPE Sapient Corp
by BHCadet
Sun Jan 04, 2015 2:37 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 126
Views: 11445

Re: Paper Statements

I keep electronic copies too. But, I do keep the latest annual statements with my Trust documents together. In case something happens to us, my succession trustee will have an easier time to locate my assets. I'm thinking put a copy of my marriage certificate, the deed of the house, and the latest t...
by BHCadet
Sun Jan 04, 2015 2:10 pm
 
Forum: Personal Consumer Issues
Topic: Paper Statements
Replies: 68
Views: 3415

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2241.73
by BHCadet
Fri Jan 02, 2015 11:05 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 20017

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: 92
Views: 6171

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: 92
Views: 6171

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: 237
Views: 24718

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: 6301

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: 314
Views: 50207

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: 13841

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: 8315

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: 360
Views: 52649

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: 841

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: 823

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: 12414

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: 5746

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: 1351

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: 8789

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: 5602

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: 3674

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: 1013

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: 24606

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: 10190

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: 10154

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: 5749

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: 1271003

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: 97
Views: 15674

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: 360
Views: 52649

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: 279
Views: 29087

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: 9010

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: 9010

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: 13087

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: 3872

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: 647

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: 5807

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: 6283

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: 3349

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: 7109

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: 5572

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: 4947

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: 23441

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: 6068
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