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by G12
Sat May 23, 2015 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 7158

Re: please confirm: early retirement

We live pretty cheaply and could not live on $35K - $40K a year. Just property taxes, homeowners, vehicle, and health insurance takes a big chunk. Glasses and contacts are not free and neither are teeth cleanings. Will that 15-year-old ever get a drivers license and go on your car insurance? Will y...
by G12
Sun Mar 22, 2015 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Account Closing Fees
Replies: 90
Views: 7924

Re: Edward Jones Account Closing Fees

For example, if I'm sitting at dinner with 8 people and say "do you want dessert?" everybody knows I'm not asking for us to split 1 dessert 8 ways but asking if they want individual deserts. Or I might say "Hey lets order pizza" when in reality we know that it will take at least...
by G12
Wed Mar 18, 2015 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Rental property vs. REIT
Replies: 38
Views: 3348

Re: Rental property vs. REIT

Totally agree, one of advantage of real estate leverage though is that there are no margin calls. Yet the REITs in the index/fund/ETF will have loans with covenants and may be callable by the lender, or nonrenewed. REIT prices are more volatile than local real estate in general. I don't feel like w...
by G12
Wed Mar 18, 2015 10:07 am
Forum: Personal Finance (Not Investing)
Topic: master bath remodel: return on investment?
Replies: 42
Views: 3046

Re: master bath remodel: return on investment?

Wife and I are considering major remodel of our master bath. Not being familiar w/ the industry, I was shocked by the cost estimate of $35K. Does anybody have any stats or personal experience regarding how much of that cost would be reflected in the increased value of the house? There's a good chan...
by G12
Wed Mar 18, 2015 9:49 am
Forum: Personal Finance (Not Investing)
Topic: just cashed in EE bonds - tax question
Replies: 13
Views: 1148

Re: just cashed in EE bonds - tax question

We had a good amount mature this month, those things become a tax time bomb at maturity if you have significant income as you indicate. I had already done a trial run of our 2014 taxes, which should otherwise be similar to 2015, then included the interest for federal taxes. I paid at this link from ...
by G12
Sun Mar 15, 2015 11:49 am
Forum: Personal Consumer Issues
Topic: Do you buy "off-brand" gasoline?
Replies: 81
Views: 9741

Re: Do you buy "off-brand" gasoline?

I've had some small engines go bad (weedeaters) using cheap gas with Ethanol. I've had repair shops suggest I not use Ethanol fuels to preserve engine life. I also read warnings wherein using too much Ethanol will void an engine warranty. I also have a gas pickup truck that does not see much use, a...
by G12
Sun Mar 15, 2015 11:44 am
Forum: Personal Consumer Issues
Topic: Do you buy "off-brand" gasoline?
Replies: 81
Views: 9741

Re: Do you buy "off-brand" gasoline?

It appears from the activity at the pumps and regular presence of a tanker truck that Costco probably has the freshest gas available. They also tout their detergent additives but it would be nice if they would get it certified as "Top Tier." As far as I know it is not and Costco has not r...
by G12
Thu Mar 12, 2015 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Account Closing Fees
Replies: 90
Views: 7924

Re: Edward Jones Account Closing Fees

I wish you luck, but what you are describing are different accounts. No different than someone at Vanguard having an individual taxable account (funds & brokerage), ROIRA, Roth, joint taxable brokerage with spouse, spouse's multiple accounts, etc. Although a name may appear on the "account&...
by G12
Tue Mar 10, 2015 5:09 pm
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 7721

Re: High Cost of Fruits and Vegetables

The Soylent site goes out of its way to hide the product ingredients. After much pecking around it is obviously a soy based product (duh), non-organic, not GMO free, and ingredients may be sourced from China. I will definitely pass on that just from the soy/China components. I eat fast food maybe 5x...
by G12
Thu Mar 05, 2015 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: If you have $1 million...
Replies: 65
Views: 6683

Re: If you have $1 million...

I don't know that this is really reflective of the true scenario of the poster that drove the poll questions. I go with the second choice, but his situation is much different than ours and we would not want the lifestyle creep associated with the biggest house, requisite fill of said house with furn...
by G12
Sat Feb 28, 2015 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 410
Views: 22694

Re: Do you consider mortgage payments as savings?

It's not saving. It's paying for something you already bought. It's more like you are systematically paying for something you agreed to buy via installments. If if it is the normal 5-20% downpayment, one has a minority equity interest in property that a bank and the county/city government encumbers...
by G12
Sat Feb 28, 2015 1:25 pm
Forum: Personal Consumer Issues
Topic: Wife doesn't want to retire - I do
Replies: 65
Views: 6666

Re: Wife doesn't want to retire - I do

Are you a retired husband with a working wife? How does it work out for you? Do you feel guilty? Does your wife feel embarrassed? I am 51 and have been, uh, "retired" for 3 years, although I still have my fingers in a lot of different things. My spouse does not mind, she works 4 days/week...
by G12
Fri Feb 27, 2015 2:17 pm
Forum: Personal Consumer Issues
Topic: 3 Kids and 2 Dogs - Next Vehicle
Replies: 31
Views: 2114

Re: 3 Kids and 2 Dogs - Next Vehicle

I would encourage you to look into a Ford Flex. We were very pleasantly surprised with the Flex's looks and the way it drives. We bought a used on 3 years ago and are looking to buy another one when we need to replace our other car. They are available with AWD, too. I bought a new Flex last year, F...
by G12
Wed Feb 25, 2015 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 65
Views: 4950

Re: Credit Card Rewards (Travel)

Thanks, 2steps.
by G12
Wed Feb 25, 2015 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 65
Views: 4950

Re: Credit Card Rewards (Travel)

I have a question regarding Serve, RedCard, etc. Has anyone been charged cash advance fee if loading via a credit card and can a Visa or MC be used to load Serve? None of the employees at the Walgreen's I use has a clue and the Serve website seems silent to this. I am about done with the points chas...
by G12
Fri Feb 20, 2015 3:09 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 174
Views: 12476

Re: What is your favorite consumer product?

Mrs.Feeley wrote:Ariat work boots.


Have had a pair of Ariat Workhog H2O ropers for 4-years, they are amazingly comfortable.
by G12
Thu Jan 22, 2015 4:28 pm
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 139
Views: 13452

Re: Keurig-cup coffee makers - why?

I tend to drink more coffee & chicory than other coffee, so the K-cups are way too weak no matter the coffee. 2.5 cups of filtered water, 3 minutes in the microwave, add 3-scoops of C & C, stir and let sit for 3 minutes, use pour-over filter placed on large mug and let filter/drain, boom - g...
by G12
Tue Jan 13, 2015 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Energy Select Sector SPDR ETF (XLE)??
Replies: 4
Views: 456

Re: Buying Energy Select Sector SPDR ETF (XLE)??

I don't know. I look at all the shares I own of VDE, the Vanguard equivalent, @ $62.96 and tell myself I was dumb for not selling when it was > $145.
by G12
Mon Jan 12, 2015 7:31 pm
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 11330

Re: Is a Sub-4% SWR a Boglehead Quirk?

Is a Sub-4% SWR a Boglehead Quirk? It may be safe to say that a considerable segment on here are anal retentive and possibly not very adaptive, but one can only plan and control so much. The withdrawal ranges presented may prove reasonable, they may not be. If a 3.5% withdrawal rate for a 35-40 yea...
by G12
Sun Jan 04, 2015 8:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's best fund: Healthcare?
Replies: 60
Views: 7931

Re: Vanguard's best fund: Healthcare?

14 years and counting in a RO IRA.
by G12
Fri Jan 02, 2015 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Help with spouse and finances (read: lots of debt)
Replies: 108
Views: 15815

Re: Help with spouse and finances (read: lots of debt)

Good for you, OP. When someone won't even make minor changes to correct juvenile, and what could be dangerous, behavior like continuing to rack up speeding tickets it makes one realize there are deeper rooted problems. Unlike you, I have a younger sister with 2 children and her husband has devolved ...
by G12
Wed Dec 31, 2014 6:17 pm
Forum: Personal Consumer Issues
Topic: Best albums from 2014?
Replies: 63
Views: 5856

Re: Best albums from 2014?

My top 10, in no particular order. I am basing this on how much I listened to the albums. 4. Justin Townes Earle: Single Mothers - Mellow rock with a touch of country I am always looking for good music. Post your favorites from 2014! I really like JTE, have seen him live 6x, I think he really is mo...
by G12
Wed Dec 31, 2014 5:54 pm
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 249
Views: 25074

Re: What do you drive, and why?

I got a 2014 Ford Flex SEL a few months ago after driving a 2002 Nissan Pathfinder for 12+ years. Added a third dog and the interior of the Pathfinder just wasn't big enough for taking long trips to trials, plus the seats in the Flex are much more comfortable and better safety features. Although it'...
by G12
Sun Dec 14, 2014 2:10 pm
Forum: Personal Consumer Issues
Topic: Oregon wine tour
Replies: 5
Views: 660

Re: Oregon wine tour

The Dundee area is nice, short drive south of Portland. Sokol Blosser Goosepen block is excellent Pinot Noir, the tasting rooms are very nice. There are two other wineries around there with very nice outdoor spaces. Duck Pond is more value oriented and offers some Washington wines from a sister vine...
by G12
Wed Nov 19, 2014 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Need Income - Wellesley Income or Wellington Fund
Replies: 22
Views: 3632

Re: Need Income - Wellesley Income or Wellington Fund

It would be advantageous to you to run trial tax returns for what your early retirement scenario would look like and determine how much qualified dividends you can receive to keep your tax costs low. Look up the W/W annual distributions from recent years, determine how much was tax friendly, ie QDI,...
by G12
Wed Nov 19, 2014 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Need Income - Wellesley Income or Wellington Fund
Replies: 22
Views: 3632

Re: Need Income - Wellesley Income or Wellington Fund

I will only be taking the quarterly distribution from the funds, whatever it may be and will not be touching the original investment. So given this, should Wellesley's distribution be higher if rates were higher? If you are invested in Wellesley when a rate increase occurs, the yield of the fund wi...
by G12
Wed Nov 19, 2014 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Need Income - Wellesley Income or Wellington Fund
Replies: 22
Views: 3632

Re: Need Income - Wellesley Income or Wellington Fund

I think I phrased my previous question incorrectly....but I think I understand now. These funds (W/W) produce yield income, which is bond income and dividend income, which is stock income. In a rising interest rate environment the bond yield should increase and the dividend income should remain con...
by G12
Wed Nov 19, 2014 5:43 pm
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 12581

Re: Vacation in France

We are still debating over rental car, especially outside of Paris. I feel we should, but my girlfriend thinks it will a hassle and public transport in France being so great, we can just use that. You should definitely go, traveling in Europe brings back great memories for my wife and me. Regarding...
by G12
Mon Nov 17, 2014 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Is my Tommy Lee Jones approved Portfolio a disaster?
Replies: 17
Views: 3396

Re: Is my Tommy Lee Jones Approved Portfolio a disaster?

Gentlemen and women, thank you for the important work you do. I have recently exited a job that kept me very busy for the last 30 years. I'm making much less these days and I have much more time to look into other matters; that combined with my CPA and another family member both in my ear over the ...
by G12
Tue Nov 11, 2014 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Auto Rate Increase
Replies: 4
Views: 571

Re: State Farm Auto Rate Increase

I just received my renewal for State Farm auto insurance in NJ. A 33.2% rate increase of which 15.3% increase for my car and another 55.6% increase on my wife's. I called and explained no changes took place and why the increase. The answer was my wife turned 65 years old! Is this a normal increase ...
by G12
Wed Nov 05, 2014 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 51
Views: 4039

Re: Cash - Throw it on the table!

Roughly $160k, which would be a pretty small % of our portfolio. Part of it is rental RE reserve for repairs, taxes, etc. Part of it is due to maxing retiring accounts/HSA in a one income family and needing additional cash for monthly expenditures. Part of it is an opportunity fund for private secto...
by G12
Wed Oct 29, 2014 4:51 pm
Forum: Personal Consumer Issues
Topic: Pets and extended travel
Replies: 13
Views: 1291

Re: Pets and extended travel

Would it be one uninterrupted trip or broken down into a few weeks at a time? We have 3 dogs we spend a lot of time with, I couldn't do it, nor could a I bring one average size and 2 moderately large dogs around traveling/driving for a few weeks at a time as it would drive me crazy!!! 4-5 day trips ...
by G12
Mon Oct 20, 2014 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Advice needed for next 10 years: Save, spend borrow?
Replies: 27
Views: 4341

Re: Advice needed for next 10 years: Save, spend borrow?

I am assuming you are still married with the double Roth contributions. My wife and I are in a similar situation as far as tapping savings to fully fund retirement accounts and an HSA although half of our accounts are in taxable. One thing to keep in mind is all contributions to the Roth accounts ca...
by G12
Fri Oct 17, 2014 3:10 pm
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 107
Views: 11041

Re: Smartphone questions

I have S3 and like it a lot. I believe the screen color & rendition, size, speed, camera, LTE, microsd slot, removable battery work for me. Anything more would be good but overkill for my needs. Where can I find a S3 for $120? Could you please suggest some sites? Thanks! It would be nice to hav...
by G12
Fri Oct 17, 2014 1:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 44
Views: 6069

Re: Livesoft - Thank you

livesoft wrote:I really appreciate the thanks, but let's get back to whatever we were doing before this thread showed up. :)


I will return to estimating/minimizing YE 2014 tax impact.....legally, of course. Estimating YE partnership distributions is a PITA.
by G12
Fri Oct 17, 2014 1:42 pm
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 107
Views: 11041

Re: Smartphone questions

Samsung S4/S5 vs. Samsung Note3/4 vs. Apple iphones vs. Motos vs. anything else? Which smartphone(s) do Bogleheads generally prefer? Does it trend any which way? Does it matter? I think it depends on user preference. I like Android, my wife loves Apple. I recently upgraded from an S3 to an S5, move...
by G12
Fri Oct 17, 2014 1:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 279
Views: 29990

Re: Roll Call for the Retirement Class of 2014!

I have been retired for just over three weeks. Congrats. Upgraded from a Galaxy S3 to an S5 about a month ago. Largely similar, yet distinctively different and better. Baby steps, it gets done. If one spouse is retired and the other continues to work is this person truly "retired"? She wi...
by G12
Fri Oct 17, 2014 1:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 44
Views: 6069

Re: Livesoft - Thank you

livesoft is my favorite poster, he and I are much more similar than dissimilar in investing outlook and mantra. I would have more than one :beer with him. I do appreciate some sarcasm applied with advice, too, so sscritic rates highly with me as well. :moneybag
by G12
Fri Oct 17, 2014 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: 30-yr fixed or 7-year ARM
Replies: 5
Views: 467

Re: 30-yr fixed or 7-year ARM

Case for ARM: Being a small condo, there is a good chance I will be ready for a larger place in 5-7 years. I would save about $100/mo with this option. Even if I decide to keep the condo and be a landlord, after 7 years, if I applied my 100/savings to my load, I would have only $84K left. Even if r...
by G12
Fri Oct 17, 2014 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 10809

Re: Relatively new here. What did you do in 2008/09

A lot of posters had the trueism of "Investors feel the pain of large losses much more so than happiness from large gains" banged into their memory banks. I sold all of the REITs I had in 2007 after a lengthy holding period, then further reduced my equity holdings to 60% in January, 2008, ...
by G12
Thu Oct 02, 2014 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Yet Another Pension Buyout Scenario
Replies: 42
Views: 3454

Re: Yet Another Pension Buyout Scenario

Sounds like you guys did your homework and I hope your son has success and enjoys his profession. I can't tell you what to do with your pension, much of it is personalized to your unique situation. I had a cash balance pension option years ago that I rolled to an IRA which has generated good returns...
by G12
Thu Oct 02, 2014 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Yet Another Pension Buyout Scenario
Replies: 42
Views: 3454

Re: Yet Another Pension Buyout Scenario

I've been solely responsible for all my kids' expenses since the divorce. The kids are 19 and 13, so the older will be out on his own when he completes his culinary program , the the younger will remain at least another 5 years (till college age). Once they're off, my financial circumstances will i...
by G12
Wed Oct 01, 2014 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 64
Views: 4484

Re: Do you deviate from the BH philosophy?

I have 3 dogs which could be classified aggressive breeds by those promoting misguided breed specific legislation (BSL). Bogleheads might say no thanks or one is enough. I also own some actively managed funds, individual securities, investment real estate, small business interests, etc. I work at mi...
by G12
Wed Oct 01, 2014 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Had a bad experience with Amica
Replies: 25
Views: 2282

Re: Had a bad experience with Amica

This is not an example of bad experience with Amica. Your friend was never a client of Amica. It is like saying someone had bad experience with Mensa because he was not admitted to Mensa. He simply did not make the cut. I agree with this. I spoke with an Amica rep yesterday to obtain quotes after r...
by G12
Wed Oct 01, 2014 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 18853

Re: Is my husband a spendthrift? Or I a tightwad?

As I skimmed this thread the idea that kept coming back was the principle of "pay yourself first." That means take out what you need to save and then stay under what is left when you spend. I found the same in EmergDoc's post, which captures everything that really matters here. I have to ...
by G12
Wed Oct 01, 2014 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Hard Money Lending, flipping houses 12% return Lets hear it
Replies: 56
Views: 3653

Re: Hard Money Lending, flipping houses 12% return Lets hear

I understand the risk of possibly getting stuck with the property but i am more concerned in loosing the whole $210k if something goes south here. I did this in early 2010 with an acquaintance, not a friend, who was a contractor and also did flipping. Fortunately, I put the property in my name, pai...
by G12
Fri Sep 19, 2014 1:04 pm
Forum: Personal Consumer Issues
Topic: Acura RDX - test drove it again and it's about off my list
Replies: 58
Views: 6065

Re: Acura RDX - test drove it again and it's about off my li

Been looking at 5 passenger upscale SUVs for awhile and have looked at the RDX a couple of times before. If you are going "upscale" and one would think money is not a huge obstacle why not the MDX, it is a much superior vehicle? I would take a gently used MDX over the RDX if trying to kee...
by G12
Thu Sep 18, 2014 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Next Door
Replies: 26
Views: 4556

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 3:42 pm
Forum: Investing - Theory, News & General
Topic: Jason's Zweig's new dictionary ---enjoy
Replies: 28
Views: 2804

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
Tue Sep 16, 2014 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10673

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...

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