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Re: Company Phantom Stock - Are We Making a Sound Decision?

Cash out every time and increment you can you can...to much of your portfolio is in your company...in fact I would advocate not holding any stock in the company you work for...you already have a risk on trade with your position of an employee...you already have the risk of the company down sizing an...
by JambokLive
Sun Feb 02, 2014 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Company Phantom Stock - Are We Making a Sound Decision?
Replies: 21
Views: 1228

Re: More from Target?

The ultimate irony is that Target lost its customers data, so they want to try to make it right....with one year of credit & identity watch...sounds good..we then send you to a sign up sight that requests you to provide "..Name, address, date of birth and Social Security number which are re...
by JambokLive
Sun Jan 19, 2014 2:07 am
 
Forum: Personal Consumer Issues
Topic: More from Target?
Replies: 33
Views: 2097

Re: Different Ways A Computer May Be Compromised

use 2 factor authorization (2FA) everywhere that offers it...brokers like schwab and boa offer it ....also buy a mac
by JambokLive
Thu Jan 09, 2014 2:38 am
 
Forum: Personal Consumer Issues
Topic: Different Ways A Computer May Be Compromised
Replies: 55
Views: 3024

Re: How much did your credit card rewards cost you in 2013?

I use cash back credit card for everything I can..then pay it off in full every month....for 2012 I earned $3,205 in cash back rewards credited into my bank account...it is like free money!
by JambokLive
Sun Jan 05, 2014 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much did your credit card rewards cost you in 2013?
Replies: 104
Views: 6066

Re: SWR Funding Mechanics

Thanks for the answers
by JambokLive
Sat Jan 04, 2014 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: SWR Funding Mechanics
Replies: 5
Views: 345

Re: Investors beware... account security IS important!

Schwab provides 2 factor authentication at no charge, during login you must include a one time token key generated by a token generator token key provided by Schwab....bullet proofs your account.
by JambokLive
Sat Jan 04, 2014 12:28 am
 
Forum: Personal Consumer Issues
Topic: Investors beware... account security IS important!
Replies: 89
Views: 7409

SWR Funding Mechanics

Hi I am 59 just now retired (Dec 13th) and I have a question on the mechanics of SWR. I plan to live on my interest & dividends. The question I have is it better to chose not to reinvest interest and dividends and simply sweep them into my bank spending account on the monthly basis Or Is there a...
by JambokLive
Fri Jan 03, 2014 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: SWR Funding Mechanics
Replies: 5
Views: 345

Re: Shorting your own employer

Check the company policies, hi-tech firms often prohibit employees from using options or shorting the company
by JambokLive
Mon Dec 23, 2013 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Shorting your own employer
Replies: 48
Views: 3487

Re: General Contractor

multiple bids!...At least 3
by JambokLive
Wed Nov 13, 2013 2:00 am
 
Forum: Personal Consumer Issues
Topic: [selecting a] General Contractor
Replies: 20
Views: 1350

Re: cell service lousy in our home

If you have AT&T you can use their micro-cell...works great.
by JambokLive
Thu Sep 12, 2013 4:16 pm
 
Forum: Personal Consumer Issues
Topic: cell service lousy in our home
Replies: 13
Views: 679

Re: Small business question

You are an employee just like most for us...he dies business closes ...you find a new job....nothing new here and certainly no nuanced "i deserve it" or should the owner sell me a piece. Hasr for to understand why you think you are owed anything
by JambokLive
Mon Aug 19, 2013 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Small business question
Replies: 10
Views: 659

Re: How to Optimize Wireless Internet Signal at House

Uee the new Apple Air Extreme...unbelievable coverage....so much so that is is "outstanding"
by JambokLive
Mon Aug 19, 2013 8:42 pm
 
Forum: Personal Consumer Issues
Topic: How to Optimize Wireless Internet Signal at House
Replies: 14
Views: 2292

Re: Fitness Wristbands??

FitBit is the real deal...my and I both wear the FitBit band and it is awesome. Power last about 7-8 days then needs to be charged ( 1 hr)..You can also swim with it..shower with it,,,etc..tracks steps, milage, sleep, calories...etc...

I can't say enough about it.


Check it out
by JambokLive
Thu Jul 11, 2013 9:52 pm
 
Forum: Personal Consumer Issues
Topic: Fitness Wristbands??
Replies: 13
Views: 1505

Re: How much I need to retire.

check out FireCalc.com...maybe just what you need
by JambokLive
Sun Jul 07, 2013 11:19 pm
 
Forum: Investing - Theory, News & General
Topic: How much I need to retire.
Replies: 65
Views: 11033

Re: Bond Funds

I always hear others remarking and recommending iBonds, however given the limited amount of iBonds you can purchase each year...for even a modest portfolio the max iBonds don't really materially impact the portfolio, in my case with a 4M portfolio max iBonds are just a rounding error, I also find al...
by JambokLive
Tue Jul 02, 2013 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Funds
Replies: 67
Views: 5005

Re: First Time - "Renting" Home to Parents

An alternate approach is to claim your parents as dependents on your tax return if you in fact provide at least half of their support.
by JambokLive
Mon Apr 29, 2013 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: First Time - "Renting" Home to Parents
Replies: 12
Views: 1124

Re: Disability insurance- review of policy

True...as long as they don't a set time for own occupation..such as "own occupation for 2 years ...any occupation after 2 years..."
by JambokLive
Fri Apr 12, 2013 6:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Disability insurance- review of policy
Replies: 12
Views: 536

Re: Disability insurance- review of policy

Often in STD policies "own occupation" is only for the first 2 years and after you must so disable that you can't work in any form or job. That is a key term & condition that is very very important..critical...here some conditions you should be aware of make sure you understand and agr...
by JambokLive
Fri Apr 12, 2013 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Disability insurance- review of policy
Replies: 12
Views: 536

Re: Post your asset allocation here:

Age 58
Husband & Wife Retired
No Pensions


4.1M Total (not including homes)

47% Growth - VTSMX / VGTSX
47% Income - VBMFX
6% Cash
by JambokLive
Mon Apr 08, 2013 10:22 am
 
Forum: Investing - Theory, News & General
Topic: Post your asset allocation here:
Replies: 136
Views: 11075

Re: Quick 401k vs Debt question

I have heard many talk about paying off the mortgage...that it is similar to "buying a bond" that has the effective rate of the payed off mortgage. Which on face value makes much sense, however it seems to me that once you do that your "stuck" with that return and "bond"...
by JambokLive
Sun Apr 07, 2013 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick 401k vs Debt question
Replies: 7
Views: 656

Re: Experiences with Zillow-listed mortgage lenders\brokers?

AimLoan.Com...is a great direct lender..al internet driven...very fast processing and loan close..best rates you can find.
by JambokLive
Sun Mar 10, 2013 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Experiences with Zillow-listed mortgage lenders\brokers?
Replies: 9
Views: 966

Re: Experiences with Zillow-listed mortgage lenders\brokers?

Check out Redfin...I bought 2 houses with them...they have a stated rebate of around 2.5% from the commission...this is the future of Real Estate...
by JambokLive
Sun Mar 10, 2013 5:59 pm
 
Forum: Personal Consumer Issues
Topic: Experiences with Zillow-listed mortgage lenders\brokers?
Replies: 9
Views: 966

Re: Does This Pass the Sniff Test?

Your probably right..I am not an expert on that part of SSDI..since now I only know about me.....I guess I should figure on the smaller amount and see what happens when she gets to 62..
by JambokLive
Fri Feb 15, 2013 9:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does This Pass the Sniff Test?
Replies: 32
Views: 1869

Re: Does This Pass the Sniff Test?

Clear enough...I did not clearly state the facts enough...however I think a re-reading of the thread one could reasonably understand/infer that I am on SSDI and my wife can claim on my SSDI @ 62...mea culpa...in the future I will try to be more precise...however I do appreciate everyones opinion...i...
by JambokLive
Fri Feb 15, 2013 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does This Pass the Sniff Test?
Replies: 32
Views: 1869

Re: Does This Pass the Sniff Test?

Lack of background knowledge can lead one to make assumptions that are incorrect and indict someone unjustly. FYI...SSDI has provisions to try to work again while on disability to see if you can...if is unsuccessful you can return to the original SSDi claim and benefit. From the SSDI handbook.... .....
by JambokLive
Fri Feb 15, 2013 8:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does This Pass the Sniff Test?
Replies: 32
Views: 1869

Re: Does This Pass the Sniff Test?

Hey Zotty.

Really thanks for the link...optimizing the tax footprint can save me a chunk of change over 30 years...I really appreciate the link!
by JambokLive
Fri Feb 15, 2013 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does This Pass the Sniff Test?
Replies: 32
Views: 1869

Re: Does This Pass the Sniff Test?

BTW...one more thing maybe you can help clear up...what is the mechanics of actually drawing the SWR...do you sell bond fund and stock fund every month (per AA) to provide the cash...or do you lump sell enough for a whole year pf SWR and keep that in cash?
by JambokLive
Fri Feb 15, 2013 4:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does This Pass the Sniff Test?
Replies: 32
Views: 1869

Re: Does This Pass the Sniff Test?

BTW..FireCalc was a nice resource....helps with fear/unknown/comfort factor....however I do realize that it is a calculator on the web and I am blindly accepting FireCalc's model...but nice checkpoint... "....Here is how your portfolio would have fared in each of the 111 cycles. The lowest and ...
by JambokLive
Fri Feb 15, 2013 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does This Pass the Sniff Test?
Replies: 32
Views: 1869

Re: Does This Pass the Sniff Test?

Thanks for the comments RM...yes the ~180K would be used to *Service* the 2 mortgages...I project that within 2-3 years my mom will have to move into my sister's house due to age ( she is 88 now) that will eliminate that mortgage and throw off ~100K of equity which will be invested in my AA.. So the...
by JambokLive
Fri Feb 15, 2013 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does This Pass the Sniff Test?
Replies: 32
Views: 1869

Re: Does This Pass the Sniff Test?

SSDI benefit is $2,571 a month ( 30,852 Annually)...@62 wife draws on SSDI 2,439 a month (29,268 Annually) = $60,120 Anually
by JambokLive
Fri Feb 15, 2013 4:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does This Pass the Sniff Test?
Replies: 32
Views: 1869

Re: Does This Pass the Sniff Test?

Actually regarding age...its a little more nuanced which is why I just took the liberty of lump summing the SS...actually I am 58 and my wife is 61...the SS is actually SSDI where my wife will draw on my SSDI @ age 62....at that point we will be @ ~60K per year from SSDI until FRA...and I am covered...
by JambokLive
Fri Feb 15, 2013 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does This Pass the Sniff Test?
Replies: 32
Views: 1869

Re: Does This Pass the Sniff Test?

Thanks for the pointer to that wiki link....
by JambokLive
Fri Feb 15, 2013 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does This Pass the Sniff Test?
Replies: 32
Views: 1869

Re: Does This Pass the Sniff Test?

No...definitely not safe...was temporary...that is why I am changing to a more sensible/safer long term plan and allocation to support my retirement that will start within 3 weeks....
by JambokLive
Fri Feb 15, 2013 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does This Pass the Sniff Test?
Replies: 32
Views: 1869

Does This Pass the Sniff Test?

I would appreciate your perspective… Here is the scoop: I want to retire TODAY…..I want gross ~ 180K - 200K per year SSN (Combined with spouse) - Start in 2 years @ 60K per year All kids adult children Have 529 for each of my 4 toddler aged grandchildren funded with initial one initial payment of 15...
by JambokLive
Fri Feb 15, 2013 2:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does This Pass the Sniff Test?
Replies: 32
Views: 1869

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