Search found 248 matches

by Marmot
Fri Jul 31, 2015 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Which debt to work on next?
Replies: 22
Views: 1521

Re: Which debt to work on next?

oc4boxer wrote:Just personally speaking, paying off the student loan was very satisfying. I'd do that.


+1
by Marmot
Fri Jul 31, 2015 7:35 pm
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 132
Views: 23895

I haven't read all of the replies, but

we use our local library for our DVD needs. Currently binging on the Fringe series....fringe bingeing (sp?) we call it. Up next is Falling Sky's or maybe The Walking Dead. We aren't doing this because we are extremely cheap, it truly is convenient and at least I am getting something for my taxes.
by Marmot
Fri Jul 31, 2015 7:29 pm
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 48
Views: 3217

Re: Retirees: Questions you hate being asked

I get asked "what do you do all day" from time to time. Sometimes, if I feel like pulling their chain, I say "As little as possible" or something similar. What surprises me is that in 4 years of early retirement (I retired at age 47) not one person has asked me how I was able to...
by Marmot
Wed Jul 29, 2015 10:43 am
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 172
Views: 10589

I did not read all of the replies

I drive a 2000 4runner. I worked in a professional environment and I am the guy the Early retired at 57. Love my "beater", it only has 115,000 miles, I figure another 10 years at least :happy
by Marmot
Wed Jul 29, 2015 10:38 am
Forum: Investing - Help with Personal Investments
Topic: What type of Professional do I Need, or do I just need Bogleheads?
Replies: 17
Views: 2001

Re: What type of Professional do I Need, or do I just need Bogleheads?

Congratulations first off. When we were preparing for early retirement we went through a very intensive budgeting process. We used a software developed by Jim Otar. My wife and I went through the process together, it was the best thing we did IMO. We had most everything in place, but this budgeting ...
by Marmot
Wed Jul 22, 2015 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Opening 529 for children, ages 12, 9, and 4
Replies: 14
Views: 1709

Re: Opening 529 for children, ages 12, 9, and 4

I recently helped my dad open 529's for two great grand children. We went with the Vanguard program. The tax benefit for him on $20,000 only amounted to $64 for his particular state. When we looked at his state program, the funds were the same (Vanguard), but the administration fees added on quite a...
by Marmot
Thu Jul 09, 2015 5:26 pm
Forum: Investing - Theory, News & General
Topic: Anyone else get the recent Vanguard survey?
Replies: 6
Views: 983

Re: Anyone else get the recent Vanguard survey?

I think the point I was making was I liked how they displayed the information. User friendly. The portfolio is close to a excel format.
by Marmot
Wed Jul 08, 2015 8:57 am
Forum: Investing - Theory, News & General
Topic: Anyone else get the recent Vanguard survey?
Replies: 6
Views: 983

Morningstars portfolio info

I love the way Morningstar shows portfolio information. Seems so much simpler, love the X-Ray function and stock intersection function.
by Marmot
Mon Jul 06, 2015 5:29 pm
Forum: Personal Consumer Issues
Topic: New tires - where to buy, how to get a good deal?
Replies: 50
Views: 5280

Costco

Costco also gives you a year end rebate for what you spend.
by Marmot
Sun Jun 28, 2015 8:59 am
Forum: Personal Consumer Issues
Topic: Need to dispose tube TV in Pennsylvania. Township won't pick up.
Replies: 37
Views: 3229

Freecycle.org

Try this, my sister in law showed me this site. Worth a look.

http://my.freecycle.org/
by Marmot
Fri Jun 26, 2015 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: tap IRA to pay off CC debt?
Replies: 31
Views: 3315

Re: tap IRA to pay off CC debt?

If I pay it off from my 401K I feel I can break the pattern and start saving up cash reserves immediately. I am still not buying this. You have already saved up this 401k money for retirement. Let it sit there and grow. Use current cash/card offers to pay off debt. Don't borrow from the future to p...
by Marmot
Fri Jun 26, 2015 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Question - Early Retirement
Replies: 38
Views: 5043

Just one question

My pension allows us to take full pension benefits at age 62 if we had 25 years of service. I assume this is not a possible scenario for you or your pension?
by Marmot
Sat May 16, 2015 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Networth question
Replies: 54
Views: 4941

Re: Networth question

I include the numbers in my networth. My house is paid off and it is worth something regardless of the time it takes to sell. That is a basic fact. I don't add up the items inside, the art for instance. Once in a while I'll look at the house sales in our immediate neighborhood to get an idea of what...
by Marmot
Sat May 09, 2015 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: IRA rollover question
Replies: 11
Views: 1107

Re: IRA rollover question

You many not be getting many answers because your question is unclear. I can't think of how you would have a Roth IRA at an employer. If you mean a 401k or Roth 401k or a SIMPE IRA or a SEP IRA that you rolled in its entirety to a Roth IRA, -no, you could not longer contribute to the 401k or SIMPLE...
by Marmot
Sat May 09, 2015 10:37 am
Forum: Investing - Help with Personal Investments
Topic: IRA rollover question
Replies: 11
Views: 1107

IRA rollover question

Once you leave an employer and rollover an Roth 401K to a Roth IRA account to a third party (Vanguard of course), you are no longer allowed to make contributions of any kind in the future on this account? Is this a correct assumption?
by Marmot
Fri Apr 24, 2015 8:51 am
Forum: Personal Finance (Not Investing)
Topic: [How do I lead a discussion about saving for retirement?]
Replies: 38
Views: 4459

I don't think it is uncommon

for people under 30 to have little or no savings for retirement. I am more concerned with the percentage people at 40 who haven't started. When I read these statistics you have to watch how the numbers can be manipulated. If they are looking at a population from birth to 90, that is one set of stati...
by Marmot
Fri Apr 17, 2015 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Does your family know about your net worth (ball park)?
Replies: 98
Views: 12218

Re: Does your family know about your net worth (ball park)?

Q1. Does your family (parents, siblings) know about your net worth (ball park figure)?

No.

Q2. Do you know their net worth?

I am the executor for my dad, he is 88. The others, don't know, don't care.

Q3. How does knowing one's net worth affect family relationship?

I have no idea. I don't care.
by Marmot
Fri Apr 17, 2015 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Does your family know about your net worth (ball park)?
Replies: 98
Views: 12218

Delete

.....
by Marmot
Sat Mar 21, 2015 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Opened an account Vanguard yesterday, now having cold feet
Replies: 60
Views: 4578

I think we generally feel that you have a plan

develop a plan for your investments (that's the ISP), stay at a proper asset allocation and ignore all else...and we mean all else. Stuff happens in the world, it always seems to work out. I did read his book on currency wars, interesting and I don't doubt it happens. Bogelheads are the opposite of ...
by Marmot
Sat Mar 21, 2015 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Does your CPA/Tax Person help with reducing your taxes?
Replies: 66
Views: 6647

We actually have a mid year meeting

Every summer we either meet our CPA or get on a con call to discuss finances in general. We use the Vanguard financial advisor and the CPA both for advice, we bounce ideas off of both to get a "world view". A good example (not related to taxes entirely ) was whether to pay off a rental pro...
by Marmot
Sat Mar 21, 2015 8:32 am
Forum: Personal Finance (Not Investing)
Topic: COBRA vs ACA
Replies: 35
Views: 2673

We are going the private insurance route

Cobra is not cheap as many of you have determined. ACA - there is a saying, "you get insurance, just not coverage". If you don't use health services outside of the yearly wellness checks, ACA might work for you. We are with USAA and are going through them for medical coverage (they work wi...
by Marmot
Thu Mar 19, 2015 12:39 pm
Forum: Investing - Theory, News & General
Topic: Account Activity Alerts on Vanguard?
Replies: 3
Views: 617

it's been out there for a while (a few months).

Why not give them a call? I am enrolled in it, no big deal. Just another layer of security. I think it just alerts you when your account is accessed by a computer it does not recognize. Since you have to get into your account before anything is done, it serves the same purpose IMO. kind of like you ...
by Marmot
Wed Mar 11, 2015 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Buying a Mountain Condo
Replies: 12
Views: 1257

consider it dead money

I wouldn't unless it is a screaming deal. Basically, if you don't rent it, it is only a cash drain. Real estate taxes, utilities and so on. If you are really going to consider it get all of the costs figured out, I mean all of the costs. Are you going to pay someone to check on it, what are insuranc...
by Marmot
Tue Mar 10, 2015 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Old Savings Bonds
Replies: 8
Views: 910

Thanks all, another question

They are in my wife's maiden name, how do you deal with that? Social Security card?
by Marmot
Tue Mar 10, 2015 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Old Savings Bonds
Replies: 8
Views: 910

Old Savings Bonds

I was cleaning out a file and found some savings bonds from the 80's. How do I cash them in? Thanks all.
by Marmot
Mon Feb 23, 2015 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 10376

Re: What age do you guys plan to retire?

have, age 57. Wife will in May, age 56.
by Marmot
Sun Feb 22, 2015 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Rental Property Depreciating Items
Replies: 10
Views: 788

Tax Basis calculation?

Can someone here help clarify how the basis is generally determined. I have a townhouse rental in the first year of service (2014). In reading the NOLO book on tax deductions I am still a bit confused. I get the separating the land from the building to arrive at the tax basis. My question is how do ...
by Marmot
Thu Jan 22, 2015 4:06 pm
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 67
Views: 5097

We have been in AZ since 1986

The first summer is brutal after that it is something you get used to. We live in "Awhatukee" which is "behind" South Mountain about 10 minutes from the airport. It is quick to everything. Our AC bill runs a maximum of $380 in the summer and a mere pittance in the winter. We don'...
by Marmot
Thu Jan 08, 2015 11:43 am
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 249
Views: 26781

2001 Toyota 4Runner

Awesome car with only 113,000 miles on it. I only put about 4k miles on it a year so I look forward to keeping it. Insurance and plates are dirt cheap. Why keep it, its a Toyota. Need to get the front seat reupholstered do to use. Everything else is still in great shape.
by Marmot
Wed Jan 07, 2015 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 136
Views: 28119

Re: Net Worth Survey, 2015 Edition

The SS benefit question just totally breaks this survey for me. I'm in my 30's. I've taken a lot of finance classes. I could come up with a huge range of values to answer that question, and know with near certainty that none of them would be right. And then I need to convert that to future dollars?...
by Marmot
Sun Jan 04, 2015 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: job advice: move to Florida Keys??
Replies: 21
Views: 3654

live your life

Go for it! Don't live life how you are supposed to, live life like you want to. Maybe you will even have fun.
by Marmot
Fri Jan 02, 2015 12:29 pm
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 15511

Re: [Annual POLL] What was your 2014 return?

6.95%. We have a 60/40 split. Big surprise was in international bonds, VTABX returned 8.82% (according to Morningstar).
by Marmot
Wed Dec 31, 2014 10:24 am
Forum: Personal Consumer Issues
Topic: Appalachian Trail thru-hike in retirement?
Replies: 49
Views: 4650

I hiked the trail back in 1977

If you have the time and energy do it. I do agree that maybe the PCT would be a better experience. 10k, I own a place in Bend:)
by Marmot
Wed Dec 24, 2014 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Poll: Include Pensions/SS/Annuities in NW Calculations?
Replies: 50
Views: 3137

I did not vote, but the answer is no for me

People have to do what they think works for them.
by Marmot
Tue Dec 09, 2014 7:50 pm
Forum: Personal Consumer Issues
Topic: Why did you quit your job?
Replies: 37
Views: 4801

Re: Why did you quit your job?

After 28 years, Friday is my last day. I was going to retire a year ago but got talked into staying 1 year. Good thing, we offered a voluntary RIF and I took it:)
by Marmot
Fri Dec 05, 2014 12:44 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do you ask questions at company 401(k) meetings?
Replies: 25
Views: 1967

We don't have meetings

because there haven't been changes in the last 4 or 5 years. People normally ask "nut & bolt" questions if anything. I am a HR Director in a location for a bigger company. We encourage people to contact our provider, they have licensed representatives who will help with any type of pla...
by Marmot
Mon Dec 01, 2014 1:54 pm
Forum: Personal Consumer Issues
Topic: What did you do your first day of retirement?
Replies: 10
Views: 1401

Re: What did you do your first day of retirement?

Since I assume most people retire on a Friday, what did you do on the first day that you would have been in the "office"? I am scheduled for leaving on 12/12/14 and am happily looking forward to 12/15 :happy Congrats! It's funny, I am graduating college on 12/12/14 and entering the workfo...
by Marmot
Mon Dec 01, 2014 1:25 pm
Forum: Personal Consumer Issues
Topic: What did you do your first day of retirement?
Replies: 10
Views: 1401

What did you do your first day of retirement?

Since I assume most people retire on a Friday, what did you do on the first day that you would have been in the "office"? I am scheduled for leaving on 12/12/14 and am happily looking forward to 12/15 :happy
by Marmot
Mon Nov 24, 2014 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: ACA exchange or Cobra?
Replies: 7
Views: 861

One other thought

is to use private insurance. there are many insurance brokers that provide this service. They get their money from the insurance companies. We refer our employees to Strategic Growth Insurance Associates, Inc.(SGIA) to explore private insurance as a third avenue.
by Marmot
Tue Nov 18, 2014 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: AA across taxable and retirement
Replies: 3
Views: 443

Re: AA across taxable and retirement

Put all of your bonds in the tax deferred vehicle.
by Marmot
Fri Nov 14, 2014 4:13 pm
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 181
Views: 17644

Re: Dealing with pressure for "social donations" at work

I also think it's interesting that several people feel like extortion is somehow less bad based on salary amount. It's not extortion. I think the idea of quitting is extreme, but if you honestly feel you're being extorted and if this results in so much resentment that, as you say, it's "eating...
by Marmot
Fri Nov 14, 2014 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 314
Views: 54080

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

And there in lies the problem workinghard, My wonderful husband scrimp, saved and sacrificed and then died at 55 without ever enjoying a dime of it. :annoyed So now I'm off the obsessive drive for more money, more money, more money. Lately I've been researching stuff because I'm retiring in 4 years...
by Marmot
Fri Nov 14, 2014 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Not qualified for my job - what to do?
Replies: 42
Views: 5830

Do you like what you do?

Are you challenged and learning? If so, I would go to the boss and talk about your issue. If you have a different (longer learning curve) than others, that is not necessarily a negative. I would suggest that you talk to the boss about what you want to write. We have used self appraisal's for eons. I...
by Marmot
Thu Nov 13, 2014 3:37 pm
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 181
Views: 17644

Do you have a "no soliciatation" policy at work.

If you do, that is a possible answer.
by Marmot
Thu Nov 13, 2014 11:59 am
Forum: Investing - Theory, News & General
Topic: Will the baby boomer selling effect come to fruition?
Replies: 14
Views: 2962

One thought that comes to mind is will boomers downsize

If the collective of the boomers starts downsizing, how will that affect the housing market? I have always thought we were "Joe average public" and we have discussed downsizing at some time in the future (I am 57). If we are then I assume more people are (or will) having the same discussio...
by Marmot
Wed Nov 12, 2014 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Where should I rollover my HSA?
Replies: 5
Views: 710

Good question

I looked in the referenced wiki page, looks like there are some decent options there. I had not really thought of transferring an HSA.
by Marmot
Tue Nov 11, 2014 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 314
Views: 54080

I can't say we are "uber" bogelheads

We removed all debt, maxed out all retirement vehicles since 1989. It just seemed to grow. We are DINC's, wife (attorney) has always been smart about jobs, that helped...me, I have been in the non-profit sector for 25+ years and we still managed it. Funny though, never looked at getting a number, we...
by Marmot
Sun Nov 02, 2014 6:00 pm
Forum: Personal Consumer Issues
Topic: Ignition key won't turn - more complicated than expected
Replies: 24
Views: 2427

When I had this problem

I took it to my garage guys and they just got a new key made. Worked perfectly. We have a 2000 4 runner. When they looked at the car they said it was "too young" to have this kind of problem. For a couple of buck you might try it. Get a dealership made key.
by Marmot
Fri Oct 31, 2014 3:07 pm
Forum: Personal Consumer Issues
Topic: COBRA Questions
Replies: 19
Views: 1843

Re: COBRA Questions

I am not an expert by any means. If you follow the link it will provide you answers. "During the open enrollment period you can drop your COBRA coverage and get a plan through the Marketplace instead. This is true even if COBRA coverage hasn't run out". The "lose your job" questi...

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