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Re: Retiree Next Door

livesoft wrote:
caroljm36 wrote:As I said elsewhere, the new three-legged stool of retirement is social security, 401k/IRA and a paid off house. :sharebeer

Ha! I thought that all one needed for retirement was a working younger spouse.


Ding, ding, especially with low cost spouse + 1 or family health insurance. :wink:
by G12
Thu Sep 18, 2014 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiree Next Door
Replies: 26
Views: 3801

Re: Jason's Zweig's new dictionary ---enjoy

Risk Premium? volatility? Load? There was this term that popped up in 3rd or 4thQ of 2008. Mmm, now what was that called, when people had grossly overestimated their true risk tolerance and found themselves down a lot of money and should make a significant shift in asset allocation after the fact? ...
by G12
Thu Sep 18, 2014 4:42 pm
 
Forum: Investing - Theory, News & General
Topic: Jason's Zweig's new dictionary ---enjoy
Replies: 23
Views: 1749

Re: Any success stories of ppl who never made >$50,000?

This forum can be extremely hostile to those who don't roll out of school with computer science or medical degrees. Not everyone makes $100k at their first job, and not making enough to max your 401k doesn't mean you lack intelligence. There are a ton of highly educated careers that add value to so...
by G12
Tue Sep 16, 2014 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 9376

Re: Why COULDN'T we just retire on Social Security?

In addition to regular expenses such as taxes Let's not forget the transfer payments to billionaire owners of sports franchises foisted upon property owners due to overzealous county commissioners to build $600M and up sports complexes for professional sports teams in which the county is paid a pit...
by G12
Fri Sep 12, 2014 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why COULDN'T we just retire on Social Security?
Replies: 66
Views: 5886

Re: Fantasy football debt owed

It is a game of skill, not a game of chance, so its not gambling. From experience with fantasy baseball, there is skill involved, but outcomes can be greatly affected by luck or good/bad fortune determining long term injuries/disabled list to upper tier players on a roster, especially after 8 weeks...
by G12
Tue Sep 02, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Fantasy football debt owed
Replies: 27
Views: 1970

Re: Winery to visit in North Willamette (OR)/McMinnville are

I have visited Sokol Blosser and enjoyed it. Sokol Blosser produces some excellent wine. The tasting room and other visitor areas were greatly upgraded last year, would definitely recommend visiting there. Re-visited last September, I didn't recall the traffic being so bad in Dundee area last time ...
by G12
Thu Aug 14, 2014 4:18 pm
 
Forum: Personal Consumer Issues
Topic: Winery to visit in North Willamette (OR)/McMinnville area?
Replies: 19
Views: 1785

Re: That sudden moment when Money is not a Problem.........

His priorities have been completely re-arranged, as they should be. Just something to think about as we will all be in a similar situation someday (Even though, most folks I know are in denial). Sorry to hear about your friend's diagnosis, I can empathize after being diagnosed 2+ years ago with a s...
by G12
Thu Aug 07, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: That sudden moment when Money is not a Problem
Replies: 33
Views: 6726

Re: Do any boggleheads invest in individual companies?

Does anybody hold individual companies, as a portion of your portfolio? Anybody with a riskier 80/20 Stocks to bonds?? I own 16 individual stocks, plus numerous ETFs/funds. It definitely takes more oversight. All the public equity holdings represent roughly 45% of my investment portfolio, then anot...
by G12
Mon Jul 28, 2014 6:50 pm
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 95
Views: 5820

Re: Knowledge gaps + anxiety = shame; gender and investing

Is it fair to say that some folks are less assertive in decision making? That is not quite the same as saying that some folks are more confident in decision making. One can be confident that the decision is the correct one, but still not carry it out. Why is that? Apathy and laziness, which are pre...
by G12
Mon Jul 14, 2014 2:57 pm
 
Forum: Investing - Theory, News & General
Topic: Knowledge gaps + anxiety = shame; gender and investing
Replies: 77
Views: 5721

Re: Urban garden bed--ideas to deter dog owners

it seems that the signs have not worked and that even yelling out the window does not work because even so, "It's usually the same person/dog in the same place every day OP, you are in a tough situation with very limited ability to persuade those that choose otherwise. I have three dogs that I...
by G12
Thu Jul 10, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: Urban garden bed--ideas to deter dog owners
Replies: 44
Views: 4138

Re: Boglehead Beer

That's fine, but it tastes nothing like a wheat beer and 100% like an IPA. Love the Sumpin Sumpin, along with Lagunitas Pils, Censored, Hairy Eyeball and Brown Shugga'. Their brewpub in Petaluma is a lot of fun. At a limited cellar event last year a cask of Hairy Eyeball was available which was rid...
by G12
Wed Jul 09, 2014 5:31 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 48105

Re: Boglehead 4wd Car (for family)?

Audi Q5, VW Touareg and Jeep Grand Cherokee. We are going with the grand cherokee with a Diesel engine. The Jeep Grand Cherokee offered the best value in our opinion. Did you test the TDI versions of the Audi and VW to make the comparison with the Jeep? I test drove a TDI Touareg Lux two weeks ago ...
by G12
Wed May 07, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead 4wd Car (for family)?
Replies: 38
Views: 3448

Re: Regret - Stock % too high in taxable, and too low in Rot

Clearly then, the Roths should hold equities while equities are going up and not-equities when equities are going down. It's pretty simple really. Let me get right on that. :happy Most people likely live in states with state income tax, here it would be 6%. I am agnostic and own equities in taxable...
by G12
Sat May 03, 2014 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Regret - Stock % too high in taxable, and too low in Roths
Replies: 41
Views: 3123

Re: Seattle and Portland, OR restaurant recommendations

Le Pigeon in Portland is awesome, may have been the best dinner I had in 2013, and is a multiple James Beard award winner. I enjoyed Pok Pok, too.
by G12
Thu May 01, 2014 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Seattle and Portland, OR restaurant recommendations
Replies: 31
Views: 1359

Re: Let's compare 2013 effective tax rates

On income that is required to be reported to the IRS, ie wages, dividends, interest, cap gains, rents/royalties, partnership distributions, etc, less deductions for retirement plans/IRAs, HSA, Federal deductions/exemptions, foreign tax, and excluding all earnings in tax advantaged retirement account...
by G12
Wed Apr 16, 2014 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Let's compare 2013 effective tax rates
Replies: 46
Views: 2805

Re: Why Americans are Retiring Overseas

BTW, "Southwest" US definitely worthy of consideration - Santa Fe, Albuquerque, etc. Visited many times and had good times, NM would be on the "potential" list, it may be a place where I enjoy visiting more than living. Would still have some concerns longer term regarding water ...
by G12
Tue Apr 08, 2014 9:03 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 11912

Re: Why Americans are Retiring Overseas

Yeah, you would pretty much have to hold me at gunpoint to make me retire in those places. On the other hand, Thailand is quite nice and I wouldn't need much push. It's not that cheap, though. My dad lives in a town of ~ 28k on the MS river, it is fairly well known and even attracts international t...
by G12
Tue Apr 08, 2014 7:52 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 11912

Re: Why Americans are Retiring Overseas

Puff piece or not, it is intriguing - for those thinking of Florida, Arizona, Palm Springs etc. it just might be worth considering Costa Rica or Panama or other destinations (written by a guy who just bought in Florida 8-) There is a middle tier that I would consider well before another country: [*...
by G12
Tue Apr 08, 2014 4:28 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 11912

Re: Mr. Money Mustache: Hero or Foolish?

For me money is primarily a moral problem. Once I grasped that Mr. MM could not really help me with the main thing I needed to solve, I released him so to speak as my "potential guru" and was free to visit his site occasionally to see what he was up to next and pick up great tips on which...
by G12
Tue Apr 08, 2014 3:43 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 255
Views: 35058

Re: How Many Properties Do You Own?

Primary, one SFR rental, 3 commercial properties.
by G12
Fri Apr 04, 2014 11:06 am
 
Forum: Investing - Theory, News & General
Topic: How Many Properties Do You Own?
Replies: 19
Views: 2268

Re: Renal Property Math - Make Sense?

You don't want to be far away getting calls that something is going wrong. Enjoy your overseas adventure....you may stay longer than you plan and when you return you may wish to try another adventure in another place. Why tie yourself down to a chunk of property. And as a guy who has had 5 rentals,...
by G12
Tue Apr 01, 2014 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renal Property Math - Make Sense?
Replies: 21
Views: 2138

Re: Boxed Wines

I am far from being a wine snob or connoisseur….would love first hand recommendations of any that really may approximate an average bottled wine? I have never had boxed whites before. I met a friend down on St. George Island in February and he brought Black Box Cab Sauv and it was awful. I had brou...
by G12
Mon Mar 31, 2014 8:48 pm
 
Forum: Personal Consumer Issues
Topic: Boxed Wines
Replies: 29
Views: 2186

Re: Mr. Money Mustache: Hero or Foolish?

IN some respects, MMM is a little like Clark Howard with attitude. I have no cause to throw stones at MMM, guy is living how he wants, is financially independent and uses his brain to stay that way, what's not to like? My wife knows I am "retired", but I don't go around telling people that...
by G12
Mon Mar 31, 2014 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 255
Views: 35058

Re: Detached Townhome vs. Single Family Home Costs

HOA management varies in quality, ability, and fiduciary capacity. I had good fortune owning in a condo complex and never had an assessment of any form. Others I know have had major assessments for roof/siding/retaining wall replacements, theft of funds from the HOA, board members steering work to c...
by G12
Fri Mar 21, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Detached Townhome vs. Single Family Home Costs
Replies: 24
Views: 2732

Re: How much do you make a year in Dividends?

I'm only in my late 20s, so a long way away from retirement. I also make good income (175k-185k depending on bonus amount and share price of RSU) I would just like to increase my yearly income streams and thought dividends would be good addition to what I am already investing. Apparently I don't un...
by G12
Tue Mar 18, 2014 5:09 pm
 
Forum: Investing - Theory, News & General
Topic: How much do you make a year in Dividends?
Replies: 72
Views: 6446

Re: How much do you make a year in Dividends?

> $52k, about half of which is generated in tax advantaged accounts, + net rental from residential & commercial properties, + EE & I bonds, before long it looks like income from a well paying job. I have a well diversified equity portfolio which contains some consistent dividend growth holdi...
by G12
Tue Mar 18, 2014 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: How much do you make a year in Dividends?
Replies: 72
Views: 6446

Re: What "annual" retirement income are you hoping to achiev

It is interesting that currently 47% of bogleheads are aiming for 100k or more. And yet, it is my sense that most of us feel like we can live comfortably on 70k or even less. Well, I put $100k knowing what our portfolio, private holdings, pension, SS, etc should exceed that, but would hope to keep ...
by G12
Mon Mar 17, 2014 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: What "annual" retirement income are you hoping to achieve?
Replies: 70
Views: 4430

Re: "Getting Real About Retirement"

If you are spending that much time doing calculations about whether you will have enough money to retire then you should keep working. Best thing about retirement is when you don't have to worry about how much you spend. I spend my time figuring out how to reduce my taxes. I'm not faulting anyone f...
by G12
Sun Mar 16, 2014 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Getting Real About Retirement"
Replies: 27
Views: 3267

Re: "Getting Real About Retirement"

I'm not an engineer but was a finance professional. Posters should come back in 10-15 years and report how accurately their spreadsheets/estimates/data/results reflected real life experience. :happy I recently spent 12 hours running my dogs in trial competition and was very happy with the results th...
by G12
Sun Mar 16, 2014 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Getting Real About Retirement"
Replies: 27
Views: 3267

Re: Best funds in my 401k for "dry powder"?

3. Short-Duration Bond Fund, 50% PTLDX (PIMCO Low Duration Inst) & 50% GSTGX (Goldman Sachs Short Duration Govt Inst), ER 0.50% Has actually performed well vs the short term bond fund universe over short and 10+ year periods. I do not know the future. Go to Morningstar and check it out. If I ab...
by G12
Thu Mar 06, 2014 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best funds in my 401k for "dry powder"?
Replies: 12
Views: 1127

Re: Confusion about reinvesting dividends in taxable

I use specific ID and do not reinvest in taxable. I also tend to use ETFs and buy in round lots to keep things "cleaner". I also tend to make larger investments instead of dealing with a lot of small tax lots. The dividends swept to money market can be used to fund/exchange into IRAs, vaca...
by G12
Thu Mar 06, 2014 5:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Confusion about reinvesting dividends in taxable
Replies: 37
Views: 2461

Re: Mouse/Rat traps

I have used the JAWZ traps, they work pretty well. There is also a version that incorporates a heavy old school metal spring with a lighter trigger. I don't recall the name, but fingers beware b/c that thing goes off hot and hard. If you are dealing with a crawl space the electronic sonic device may...
by G12
Thu Mar 06, 2014 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Mouse/Rat traps
Replies: 29
Views: 2100

Re: How Many Funds Do You Have in Taxable?

We have 14, 13 are ETFs, the one fund is VTIAX. 13 are at VBS, 1 is at Wells, they are all equity holdings in his & her taxable + 2 joint accounts. That excludes sweep money market accounts. A few are replicated in Roth/TIRA accounts. I don't find it complex nor difficult to manage, + the joint ...
by G12
Thu Mar 06, 2014 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 5497

Re: need help with shades/blinds

so that exactly it, i have some irregulary shaped high windows. some are triangles some are rhombuses. so how do you open and close the shutters on those high windows. and how do you fit the irregular shapes? We have some high, tall windows with triangular and odd quadrilateral pieces and got Hunte...
by G12
Sun Mar 02, 2014 8:30 pm
 
Forum: Personal Consumer Issues
Topic: need help with shades/blinds
Replies: 13
Views: 713

Re: Filling in a backyard pool/input wanted on cost-benefit

Sorry for your loss. I bought a piece of property that was a double lot, ie house on one lot, a full size pool on the other that was roughly 10 feet deep at the deepest point. Split the lots and put the one with the pool up for sale. After 11 months I had zero offers, so I had the pool apron broken ...
by G12
Wed Feb 26, 2014 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Filling in a backyard pool/input wanted on cost-benefit
Replies: 22
Views: 1860

Re: Honda CR-V vs Subaru Forester

While at the Drs office this week I happened to flip through a recent copy of Motor Trend's 2014 SUV pick of the year, which was the Forester, see link. The Acura MDX would have won if it had a decent electronic dash UI but on a cost basis the Forester looks like a good deal. http://www.motortrend.c...
by G12
Fri Feb 21, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Forester (edit: decision made!)
Replies: 43
Views: 5495

Re: Nice couches are pricey, where I can get them for less?

We replaced a long slip covered sofa that was worn out with a leather Turner grand sofa from Pottery Barn about 8-months ago and the delivery guys were barely able to get it into the TV room. The Doberman and AmStaff mix have yet to make a scratch or puncture the leather. Wait for a sale. This was a...
by G12
Mon Feb 17, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Nice couches are pricey, where I can get them for less?
Replies: 43
Views: 4183

Re: Possible Involuntary Retirement

though I will get taxed on interest and Dividends earned annually in the taxable account It is likely you will be in the 0% dividend bracket. Given that you find an area outside the US that you enjoy and it is low cost living and has comparatively cheap health insurance with access to quality care ...
by G12
Sun Feb 16, 2014 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Possible Involuntary Retirement
Replies: 14
Views: 1824

Re: Thoughts on Pet Insurance- Dog??

From experience as a commercial lender when I worked for a living I had the opportunity to evaluate a credit facility for a company that owned a subsidiary which offered pet insurance as a business line. The margins were incredible. It's a numbers game, if major health events happen to your dog earl...
by G12
Sat Feb 01, 2014 6:56 pm
 
Forum: Personal Consumer Issues
Topic: Thoughts on Pet Insurance- Dog??
Replies: 18
Views: 1472

Re: 25% Amica Homeowners Premium Increase

The independent agent I use had said most of the renewals in his book of business were increasing 7-12%, my renewal increase with Encompass was less than 3% in December and that is with 2 big lap dogs that some believe are aggressive breeds.
by G12
Sat Feb 01, 2014 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: 25% Amica Homeowners Premium Increase
Replies: 28
Views: 3743

Re: Doom and Gloom

Rejoice, federal tax rates are very low for the vast majority of tax payers. Just think in 1981 the highest federal marginal tax rate was 70% and we aren't currently dealing with high inflation, boy do I recall my dad grousing about the escalating costs of Cadillacs and such. Things look pretty good...
by G12
Tue Jan 14, 2014 7:57 pm
 
Forum: Personal Consumer Issues
Topic: Doom and Gloom
Replies: 41
Views: 3540

Re: Europe solo at 50?

Walking with another person is easier, because there is someone to watch backpacks while the other one uses a lady's room or asks for directions. And that's why I chose El Camino for the first solo trip. On El Camino there is no need to ask for directions and I am certain to meet many people. After...
by G12
Wed Jan 08, 2014 8:55 pm
 
Forum: Personal Consumer Issues
Topic: Europe solo at 50?
Replies: 59
Views: 3851

Re: Official 2014 IRA is DONE sign-up

At the current rate we should be done both before she applies for SS benefits as well as her being required to take RMDs...all the while keeping the amount converted from bumping us up into the next marginal tax bracket. :beer Coco gives 4-paws of approval to this methodology. :beer With 50+ catch ...
by G12
Wed Jan 01, 2014 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Official 2014 IRA is done. Sign-up
Replies: 47
Views: 2790

Re: How much was your total 2013 credit card rewards

$1,878 combo of Chase, Amex, CapOne and Discover cards. Wife signed up for two new cards this week which will result in 85,000 travel points, then I think we are done with this CC thing. Too much juggling and monitoring required for my taste as had fraudulent charges I found on two of the cards with...
by G12
Tue Dec 31, 2013 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much was your total 2013 credit card rewards
Replies: 51
Views: 4260

Re: Adopting a rescue greyhound

Despite their racing origin, most of the ones I encountered are couch potatoes that like to hang around on couches. That has been my experience around them. They are nothing like, say, a Rhodesian Ridgeback that requires a ton of extended exercise, rather they like short bursts of fast exercise and...
by G12
Mon Dec 30, 2013 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Adopting a rescue greyhound
Replies: 17
Views: 1028

Re: What are your financial goals for 2014?

1) Avoid all large discretionary housing related upgrades/replacements as 2012/2013 was out of hand. 2) Ask (notice I write "ask" here, not tell) to review all of her high cost discretionary purchases in 2013 and try to reduce them 50%. Then she will say I have no idea how much I spent and...
by G12
Fri Dec 27, 2013 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are your financial goals for 2014?
Replies: 56
Views: 4382

Re: Something I don't understand about music

Tim Buckley was a wonderful talent who burned out way too early. I suppose drowning in the Mississippi would do that to a fellow. :| Back to Dylan. My favorite song of his is "Don't Think Twice, It's Alright". My favorite acoustic version is Johnny Cash's from way back when, but overall I...
by G12
Thu Dec 26, 2013 6:08 pm
 
Forum: Personal Consumer Issues
Topic: Something I don't understand about music
Replies: 108
Views: 6543

Re: turkey was juiceless

I +1M on the brining, but if doing so one really needs to read the turkey label to be aware for potential salt content already in the turkey and adjust the brine accordingly. Butterball Fresh has a 5% water injection in the bird, but not salt/hydrolyzed solution, etc. I had really good results buyin...
by G12
Thu Dec 26, 2013 5:49 pm
 
Forum: Personal Consumer Issues
Topic: turkey was juiceless
Replies: 28
Views: 2164

Re: How many folks have a dog?

You're the second or third person that suggested that she might have Staffie mixed in with her Boxer bloodlines. It's her markings, ears, size and snout. We had ours DNA tested due to how many people would come up and after meeting her ask what breed she was. I think the test result on her was fair...
by G12
Thu Dec 26, 2013 5:35 pm
 
Forum: Personal Consumer Issues
Topic: How many folks have a dog?
Replies: 112
Views: 7589

Re: How many folks have a dog?

We rescued this sweet little gal in late October after having to say goodbye to our Weimaraner in July...she's just a tad over a year old and about 50 lbs. A lot of work and commitment involved but it's the difference between a house and a home. My wife wouldn't rest until we found her and brought ...
by G12
Thu Dec 26, 2013 3:38 pm
 
Forum: Personal Consumer Issues
Topic: How many folks have a dog?
Replies: 112
Views: 7589
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