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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 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opened an account Vanguard yesterday, now having cold feet
Replies: 60
Views: 3752

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 8:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Does your CPA/Tax Person help with reducing your taxes?
Replies: 58
Views: 4735

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
Sat Mar 21, 2015 8:32 am
 
Forum: Personal Finance (Not Investing)
Topic: COBRA vs ACA
Replies: 35
Views: 2164

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
Thu Mar 19, 2015 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: Account Activity Alerts on Vanguard?
Replies: 3
Views: 546

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
Wed Mar 11, 2015 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Mountain Condo
Replies: 12
Views: 1162

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 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Old Savings Bonds
Replies: 8
Views: 742

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
Tue Mar 10, 2015 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Old Savings Bonds
Replies: 8
Views: 742

Re: What age do you guys plan to retire?

have, age 57. Wife will in May, age 56.
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: 8877

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
Sun Feb 22, 2015 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Rental Property Depreciating Items
Replies: 10
Views: 670

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 22, 2015 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 67
Views: 4723

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
Thu Jan 08, 2015 11:43 am
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 205
Views: 18237

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
Wed Jan 07, 2015 8:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 135
Views: 24093

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
Sun Jan 04, 2015 6:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: job advice: move to Florida Keys??
Replies: 21
Views: 3508

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
Fri Jan 02, 2015 12:29 pm
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14718

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 31, 2014 10:24 am
 
Forum: Personal Consumer Issues
Topic: Appalachian Trail thru-hike in retirement?
Replies: 49
Views: 4441

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

People have to do what they think works for them.
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: 2924

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
Tue Dec 09, 2014 7:50 pm
 
Forum: Personal Consumer Issues
Topic: Why did you quit your job?
Replies: 37
Views: 4558

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
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: 1844

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 1:54 pm
 
Forum: Personal Consumer Issues
Topic: What did you do your first day of retirement?
Replies: 10
Views: 1320

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 Dec 01, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: What did you do your first day of retirement?
Replies: 10
Views: 1320

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
Mon Nov 24, 2014 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA exchange or Cobra?
Replies: 7
Views: 791

Re: AA across taxable and retirement

Put all of your bonds in the tax deferred vehicle.
by Marmot
Tue Nov 18, 2014 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA across taxable and retirement
Replies: 3
Views: 397

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 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 181
Views: 16912

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 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 314
Views: 51201

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
Fri Nov 14, 2014 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Not qualified for my job - what to do?
Replies: 42
Views: 5654

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

If you do, that is a possible answer.
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: 16912

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
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: 2791

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
Wed Nov 12, 2014 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Where should I rollover my HSA?
Replies: 5
Views: 672

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
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: 51201

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
Sun Nov 02, 2014 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Ignition key won't turn - more complicated than expected
Replies: 24
Views: 2194

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...
by Marmot
Fri Oct 31, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: COBRA Questions
Replies: 19
Views: 1654

Quick note

I have not read each reply in depth, only scanned. One alternative are the healthcare exchanges. If you accept COBRA, you cannot go to the exchange until COBRA runs out. Like many other companies we have been involved in downsizing. We are cautioning employees who separate to consider whether they c...
by Marmot
Fri Oct 31, 2014 1:47 pm
 
Forum: Personal Consumer Issues
Topic: COBRA Questions
Replies: 19
Views: 1654

Re: Vanguard's Voice Recognition

Ditto what everyone else said. it is a nice feature.
by Marmot
Wed Oct 29, 2014 4:11 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard's Voice Recognition
Replies: 18
Views: 1358

Re: Should I bite the bullet and sell my mining stocks?

I don't have a view on this (although my wife works for a major mining company :happy ). I would read up on the "Swiss Gold Initiative", the national vote is November 30th. Luzi Stamm has brought this forward, anyway worth looking at. Make your own decision , but it might be a good idea no...
by Marmot
Wed Oct 29, 2014 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I bite the bullet and sell my mining stocks?
Replies: 23
Views: 2403

heading there tomorrow

for the Jimmy Buffet concert. I like the strip as opposed to downtown. If it is your first time I think just walking and discovering will be enough to keep you busy.
by Marmot
Thu Oct 16, 2014 12:30 pm
 
Forum: Personal Consumer Issues
Topic: Vegas Vacation!
Replies: 50
Views: 4469

At what age can you take the pension with

no penalty. Look in your Summary Benefit plan document. You should be able to see it on your retirement site, if not ask HR for a copy. I agree with the Wizards comment above. For example, our retirement program at work is managed by Transamerica, one of the benefits we have is they will help with c...
by Marmot
Thu Oct 16, 2014 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement pension options -- CONFUSED!
Replies: 15
Views: 1409

Valuable info

thanks everyone. We are in Phoenix also and want to "Snow Bird" it. We have a place in Oregon. Did you all just call the 1.800 number and talk to someone?
by Marmot
Thu Oct 16, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: Only paying for DirecTV part of the year
Replies: 3
Views: 528

Fladstaff is a poor man's version]

of Bend IMO. We live in Phoenix, Flag always seemed old and tired to me. We visited Bend on a whim and loved it, own a place there now.
by Marmot
Mon Oct 13, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 10863

We recieved an inheritance with no strings

attached. We will do the same.
by Marmot
Wed Oct 01, 2014 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: When I gift/will shares to my relatives, I expect ...
Replies: 24
Views: 1815

I assume you were not eligible for any early retirement opti

For example, if you had 25 years service with the company you could get the full 100% at age 62?
by Marmot
Mon Sep 22, 2014 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout offer
Replies: 26
Views: 3500

So after all of this?

What state ? I am curious:)
by Marmot
Wed Sep 17, 2014 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vacation Home
Replies: 27
Views: 2704

My approach

Smart people look at the percentages first, I don't necessarily because the attraction of totally removing one and taking that money and rolling into the next smallest bill is what we did before. I would think if the time frame was years to pay off a loan, then the % would really be important. If th...
by Marmot
Wed Sep 17, 2014 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which debt to tackle first?
Replies: 21
Views: 1273

Re: Just my opinion

We rent our vacation property out and have a property manager do all of that work. Tax wise we don't get any deductions because we stay there more than 14 days a year. You might take a look at the IRS tax topics: http://www.irs.gov/taxtopics/tc415.html Staying more than 14 days limits the deduction...
by Marmot
Tue Sep 16, 2014 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vacation Home
Replies: 27
Views: 2704

I agree with JJaster7 100%

Re: Should I get an Estate Planner? by jjaster7 » Mon Sep 15, 2014 12:42 pm You should use an attorney for estate planning, look for one with elder law and tax specialization. A financial advisor will be familiar with the issues but not an expert. It is an odd process to go through, but something yo...
by Marmot
Mon Sep 15, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I get an Estate Planner?
Replies: 9
Views: 838

Just my opinion

We have the vacation home thing going just as you describe (since 2008). We love the area and intend to "snowbird" there 5 months a year starting 2015. Our main home is in Phoenix, so you can guess we want to go north May to October. We rent our vacation property out and have a property ma...
by Marmot
Mon Sep 15, 2014 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vacation Home
Replies: 27
Views: 2704

Re: Quit/retire - should I do this?

@Marmot, so are you saying that a retiree (a person who quits) will not get any extras for quitting? That is, no 2 weeks pay per year of service? How about accrued vacation time? In some sense, it then becomes a slow grind of attrition of who can then last the longest: the employee doing less and l...
by Marmot
Thu Sep 11, 2014 10:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quit/retire - should I do this?
Replies: 41
Views: 3976

Re: Quit/retire - should I do this?

Hi Jim - just spent 10 minutes typing a reply and it didn't show up when I hit post, so I'll try this again. The reason I asked how your company has approached this in the past is that it is a great predictor of organization culture and philosophy. My company has recently participated in Reduction i...
by Marmot
Thu Sep 11, 2014 9:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quit/retire - should I do this?
Replies: 41
Views: 3976

Re: Quit/retire - should I do this?

Jim - has your organization ever done a reduction in force (RIF) or offered early retirement packages. I am an HR Director, I have some perspective.
by Marmot
Thu Sep 11, 2014 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quit/retire - should I do this?
Replies: 41
Views: 3976

We were spun off at the end of 2012

Everything is fine. Same CEO, same VP's, same amount of locations across the country. I am in HR so have a bit of insight of how hard we tried to make everything "the same"...401k's, medical and so on. I read the dire warning before my post, I am sure it happens, but not in my case. As muc...
by Marmot
Tue May 27, 2014 7:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your Company Ever Been "Spun-Off"? Any Stories/Suggestions?
Replies: 23
Views: 1937
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