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Re: Hello new to the boards [If retirement funds not used up

Are you by any chance quite young? Don't forget those numbers you have calculated probably do no account for inflation. Or the possibility that for unforseen reasons you will not be able to continue saving as much, or that you might want to retire early, or that you might have a special needs child...
by Minot
Mon Sep 01, 2014 10:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hello new to the boards [If retirement funds not used up?]
Replies: 16
Views: 730

Re: Where to withdraw?

What account(s) does she think/feel should be drawn on?
by Minot
Mon Sep 01, 2014 9:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to withdraw?
Replies: 12
Views: 806

Re: My husband's " WILL", $ left for me to live on....

1.I was working when I got married, stopped working when child turned 2years old to become stay home mom. I think part of reason was child care was costing a lot if I continued working and we thought it was best mother take care of the house hold and child. 2. Good question, he does LOVE me. And I ...
by Minot
Fri Aug 29, 2014 9:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17011

Re: Help out family without compromising my own retirement?

Although over 65, are either of your parents capable of working, at least part time? And is there someone in your life that you would be able to talk this over with? This is a hard thing to deal with.
by Minot
Fri Aug 29, 2014 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 65
Views: 4538

Re: Signing up for medicare Oct 1

tc101 Have you looked into Kaiser Permanente Advantage Plan? They cover the Atlanta area. https://healthy.kaiserpermanente.org/health/care/poc/!ut/p/a1/fZDBToNAEIafpQeOMEOpDXqDmhqoVWut4l7MQgfYFHfJdCXh7YXGmpioc5uZL9-fGRCQgdCyU5W0ymjZjL2Yvy3T7X0c-xFinM4wWUd3jxdpiog-pCCqxuQn9HXK68W6AtFKW7tKlway1hTjpra...
by Minot
Sat Aug 23, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 19
Views: 1756

Re: Kaiser vs Blue Shield

I believe I have something valuable to add, but it’s possible that some might think this post is too political. I will do my best to be even-handed. I am retired from a thirty-year career as a medical subspecialist, and have worked in a group practice, a university practice and a solo shop. In my l...
by Minot
Wed Aug 20, 2014 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5102

Re: Driving Trip Planning

MS Streets & Trips. You can do a 14day free trial and see if it's worth it to you to purchase it. On the Route Planner, click on More Options, then select the Profile tab. It will let you input your start and end times for each day, plus length and frequency of stops in between.
by Minot
Wed Aug 20, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 45
Views: 1639

Re: POLL: Age for Collecting Social Security Benefits

62 in 1999. Had I know then what Bogleheads have taught me in the last couple of years, I probably would have waited until 65 (FRA back then).
by Minot
Tue Aug 19, 2014 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 7373

Re: Who or what inspired you and your investing approach?

Inheriting a significant amount of $$
by Minot
Sun Aug 10, 2014 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4312

Re: Recently Engaged

A good starting place would be the Bogleheads Wiki on financial planning.
by Minot
Wed Aug 06, 2014 9:59 am
 
Forum: Personal Consumer Issues
Topic: Recently Engaged
Replies: 10
Views: 929

Re: Medicaid look-back

According to the National Care Planning Council There is both an income and an asset test to qualify for Medicaid long term care services. In general, these tests are applied for nursing home services but these same tests may also be used to qualify individuals for home or community-based Medicaid s...
by Minot
Thu Jul 31, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicaid look-back
Replies: 9
Views: 1032

Re: america the beautiful national parks and lands pass

pablolo wrote:How about waterfalls, swimming spots and hotsprings and minral springs?
Your America the Beautiful Senior Pass won't get you anything at the resort, but the campground will be 1/2 price, and the natural hotsprings are free.
by Minot
Mon Jul 28, 2014 8:30 am
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 61
Views: 4975

Re: What shoe size should I buy?

rec7 wrote:My foot is a size 10 but a size 10 shoe feel very tight should I buy 10.5? Do some of you buy a .5 size bigger.
I assume you wear men's shoes. If not, good luck finding women's 10.5.
by Minot
Sun Jul 27, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: What shoe size should I buy?
Replies: 10
Views: 741

Re: "Stocks and shares," different things? "Peter Pan"

Originally published in 1895, Duncan on Investment and Speculation in Stocks and Shares seems to address your question on page 58. I say "seems to" since I can't say that I'm actually able to follow what he's saying; you're probably more likely to understand it.
by Minot
Mon Jul 14, 2014 3:36 pm
 
Forum: Investing - Theory, News & General
Topic: "Stocks and shares," different things? "Peter Pan"
Replies: 40
Views: 3268

Re: Cost of car compared to Gross Income

My last vehicle purchase was a 2002 Sportsmobile Camper Van for $45627 plus tax, licence. My gross income for that year was $25372, so I paid 180% of GI, and I have no regrets. The income was SS, a small pension, and dividends from my investments. The camper van was actually purchased with about 3/5...
by Minot
Fri Jun 20, 2014 2:42 pm
 
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 82
Views: 4675

Re: It is time to retire when you .......

I understand those who say "when I can't take the job anymore" because chances are we've all had jobs like that, but I don't understand how someone can do that if they haven't hit their number. Most likely they do it by reducing their retirement income requirements, i.e., deciding that it...
by Minot
Fri Jun 20, 2014 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 9809

Re: Car for a long daily commute

I trust that you will be taking on a significantly greater share of the child-care and homemaking responsibilities.

Also, what is plan B if she finds that the commute is so onerous that she's not willing to stick it out for another month, much less 12 to 15 months.
by Minot
Wed Jun 11, 2014 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 6002

Re: Cabins/cottages in Wisc/Minn/Ont

Here's one. I found it by forcing one of the many real estate sites to give me low priced listings. If you don't do that, it defaults to highest prices.
by Minot
Sun Jun 08, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Cabins/cottages in Wisc/Minn/Ont
Replies: 22
Views: 1591

Re: 4% (or 2-3%) rule; before or after tax?

Withdrawal rates are typically considered before tax, because of the various ways that different accounts can be taxed upon withdrawal (as income from a traditional IRA, as capital gains from a taxable account, not at all from a Roth-style account). The "safe withdrawal rate" gives you an...
by Minot
Sat Jun 07, 2014 6:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: 4% (or 2-3%) rule; before or after tax?
Replies: 8
Views: 1228

Re: The in-laws are broke!

I am surprised you did not mention your father-in-law's dementia in your first post. I think that changes everything. Even if your mother-in-law does not have mental issues, living with someone with dementia can make you question your own sanity. I don't know if your wife is close to her mother to ...
by Minot
Tue May 27, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 16491

Re: The in-laws are broke!

Do/will the brothers recognize the value of her (and your) contributions to the parents' welfare? What effect might your wife's refusal to contribute money to the parents' care have on her relationships with her brothers? Are those relationships important to her?
by Minot
Sun May 25, 2014 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 16491

Re: How exactly does Vanguard's RMD service work? Rebalancin

I have wondered if you can have withdrawal of RMD as a "fail-safe" way just in case you miss your planned distribution. So if you forget, or get sick,or die, they would distribute any amount left of the required amount but none if you have already done it before, eg., December 28th. I onl...
by Minot
Sat May 10, 2014 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 44
Views: 3684

Re: Expensive hobbies and possessions? (B/c you can...)

http://i58.tinypic.com/s1izjb.jpg My 2002 Sportsmobile camper-van, which I bought with about 1/2 of an unplanned for inheritance, and in which I spent most of 2005, after I sold my home, traveling in western US and Canada. $$ well spent. :thumbsup ... but what is that addition on the top? Is that a...
by Minot
Tue Apr 08, 2014 9:39 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 14208

Re: Expensive hobbies and possessions? (B/c you can...)

Image

My 2002 Sportsmobile camper-van, which I bought with about 1/2 of an unplanned for inheritance, and in which I spent most of 2005, after I sold my home, traveling in western US and Canada. $$ well spent.
by Minot
Tue Apr 08, 2014 9:07 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 14208

Re: Donor Advised Funds

An interesting feature of the Fidelity program is that it allows me to send email gifts to friends and family, in which they are given the ability to donate a specified amount from my account to the charity of their choice. Could you explain this further. I have a Fidelity DAF and never heard of th...
by Minot
Tue Mar 25, 2014 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Funds
Replies: 62
Views: 2906

Re: Jim Otar Revisited 'Unveiling the Retirement Myth'

The book was well worth the money. Thanks for the update. +1 The complete book (all 535 pages) is $5.99 "Green" download, read-only pdf, available from Otar's website http://www.retirementoptimizer.com/ Paperback edition $49.99 from Amazon http://www.amazon.com/Unveiling-Retirement-Myth-J...
by Minot
Thu Feb 27, 2014 3:13 pm
 
Forum: Investing - Theory, News & General
Topic: Jim Otar Revisited 'Unveiling the Retirement Myth'
Replies: 12
Views: 4905

Re: Tax report related question ( prepare it by my own or no

Yes, I had some taxes being withheld ( i think about 3000 or a bit more including both state and federal...) so I should be filing them to get some money back right? Absolutely. Withheld taxes are money that was deducted from your salary and given to the IRS and state to pay your taxes, so that the...
by Minot
Sat Feb 22, 2014 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax report related question ( prepare it by my own or not)
Replies: 16
Views: 682

Re: How to invest $1.4 mil inheritance?

Donate some to charity?
by Minot
Sun Feb 16, 2014 7:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest $1.4 mil inheritance?
Replies: 74
Views: 7913

Re: Filed my tax return on my own - one last question

TaxAct's Data Archive Service page indicates that you can purchase prior 3 years' tax returns for $13.95 each, so purchasing now would save $6.99, but only if it turns out you need access, which is fairly unlikely. I haven't gotten to that point yet with my return, but won't be getting it when it's ...
by Minot
Sat Feb 15, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Filed my tax return on my own - one last question
Replies: 13
Views: 921

Re: Layed off and now retiring. Need advice...

Go North wrote:The $30K includes health insurance and long term care insurance.
You might want to read this PBS NewsHour Report on long-term care insurance. It suggests that LTCi may be a poor choice for singles.
by Minot
Mon Feb 10, 2014 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Layed off and now retiring. Need advice...
Replies: 65
Views: 7708

Re: I'm feeling old today

Jay69 wrote:I remember Jonny Carson's last show and now Jay Leno's last show.

Where does the time go!!!!!!
Cheer up, folks! I remember Steve Allen. Now that's old. [I need a wrinkly smiley here]
by Minot
Fri Feb 07, 2014 1:37 pm
 
Forum: Personal Consumer Issues
Topic: I'm feeling old today
Replies: 97
Views: 7225

Re: WSJ article: Ready or Not, Your Kids Own the Money

He didn't say they couldn't become responsible after 21, but if they aren't responsible by 21, to whom do you give the credit for their delayed development? If they don't become responsible until 30, I doubt much credit should go to the parents for their rapid improvement from 21 to 30. My daughter...
by Minot
Wed Feb 05, 2014 7:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: WSJ article: Ready or Not, Your Kids Own the Money
Replies: 25
Views: 4191

Re: WSJ article: Ready or Not, Your Kids Own the Money

My dad accused me of being extravagant with a Christmas present for a girl in 1972. It was a red snowmobile suit and cost $37.50 . I told him it was none of his business. I gave her the suit and I asked her to marry me. I still have the girl and she still wears the suit Some things are investments ...
by Minot
Wed Feb 05, 2014 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: WSJ article: Ready or Not, Your Kids Own the Money
Replies: 25
Views: 4191

Re: Time management

VictoriaF wrote: I went through a shear terror ....
Victoria

:wink:
by Minot
Tue Feb 04, 2014 5:19 pm
 
Forum: Personal Consumer Issues
Topic: Time management / career decisions
Replies: 86
Views: 6498

Re: Seems odd that tax documents aren't available sooner

Has anyone received their SSA 1099 yet?
by Minot
Mon Jan 20, 2014 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Seems odd that tax documents aren't available sooner
Replies: 39
Views: 2914

Re: POLL: Investing vs. pay down mortgage feelings

I checked Paid down mortgage, content, never done math. Parts 2 and 3 of that sentence are true; part one is the closest I could come to the fact that I paid cash for my home, in 1982. This was not as impressive an accomplishment as it sounds; it was basically a shack (though in a great setting and ...
by Minot
Sun Jan 19, 2014 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Investing vs. pay down mortgage feelings
Replies: 79
Views: 3948

Re: Did you know? Tips for using bogleheads.org

First unread post. That's the little orange box just to the left of the thread title when viewing an entire forum, View your posts , or View new posts (must be logged in to use). Clicking on the orange box will take you directly to the first unread post of that thread. Or if, like me, you've access...
by Minot
Sat Jan 18, 2014 3:27 pm
 
Forum: Forum Issues and Administration
Topic: Did you know? Tips for using bogleheads.org
Replies: 24
Views: 15630

Re: Preferred Withdrawal Method

About 25% is dividends and capital gains distributions from my taxable account; the other 75% is RMDs from my IRAs, which are in bond funds. Before I reached RMD age, I was pretty much withdrawing from taxable, which at that time (pre-Bogleheads) held both bond and equity funds, and I don't remember...
by Minot
Fri Jan 17, 2014 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Preferred Withdrawal Method
Replies: 31
Views: 1943

Re: Did you know? Tips for using bogleheads.org

First unread post.
by Minot
Fri Jan 17, 2014 8:29 pm
 
Forum: Forum Issues and Administration
Topic: Did you know? Tips for using bogleheads.org
Replies: 24
Views: 15630

Re: Trouble trusting US healthcare

caroljm36 wrote:Wow, no one ever tried to sell me whitening. I guess it's way too late. :(

Probably not. My (now-ex for reasons beyond this issue) tried selling it to me, and I was 76 at the time.
by Minot
Thu Jan 09, 2014 10:58 pm
 
Forum: Personal Consumer Issues
Topic: Trouble trusting US healthcare
Replies: 70
Views: 3391

Re: Movie night in recommendations

Cushingura
Of Gods and Men. The final scene in this movie is remarkable.
by Minot
Thu Jan 09, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: Movie night in recommendations
Replies: 269
Views: 20066

Re: Portfolio advice for high cash & poor 401k management

Bump in hopes that wiser head(s) than mine will respond
by Minot
Wed Jan 08, 2014 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for high cash & poor 401k management
Replies: 6
Views: 724

Re: How best to start taxable investment accounts?

I would suggest a mutual fund account instead of a brokerage account at Vanguard. And instead of the S&P500 index fund, I would suggest the Vanguard Total Stock Market index fund VTSAX. And yes, it is just like opening the Roth account. And both of these accounts will show up together when you ...
by Minot
Thu Jan 02, 2014 2:14 am
 
Forum: Investing - Help with Personal Investments
Topic: How best to start taxable investment accounts?
Replies: 14
Views: 2738

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

1937.02

And a Happy New Year to all!
by Minot
Thu Jan 02, 2014 12:31 am
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 536
Views: 13779

Re: What Book Are You Currently Reading? Part V

Except i'm going nuts because when I was a kid, the jump-rope rhyme the girls sang at MY elementary school was "Charlie Chaplin went to France/To TEACH the ladies how to dance" and King renders it as "Charlie Chaplin went to France /Just to SEE the ladies dance," and I don't kno...
by Minot
Fri Dec 27, 2013 11:47 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3280
Views: 1118468

Re: Something I don't understand about music

Here is a phenomenon that baffles me- what makes a rendition of a piece great. I will use as an example Bob Dylan's version of his composition "Mr. Tambourine Man". Few would deny the genius of the lyrics. But putting that aside, it is a tune that is simple enough to be played by a guitar...
by Minot
Fri Dec 27, 2013 11:09 pm
 
Forum: Personal Consumer Issues
Topic: Something I don't understand about music
Replies: 108
Views: 6530

Re: Early retirement help

It wouldn't hurt to read the windfall wiki, even though yours is not a classic windfall. Among other things, it recommends hiring a CPA for help with taxes and other advice.

I'd also seriously consider setting up a charitable endowment, which can easily be done at, e.g., Vanguard Charitble.
by Minot
Tue Dec 17, 2013 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Early retirement help
Replies: 9
Views: 845

Re: What percentage of your income are you saving?

I'm a saver at heart and not all that long ago reading about these huge savings rates might have kept me up nights if I was slacking off at all in the savings department. Then came a few very serious health problems for my wife. After a good year and a half of doctors, doctors, doctors and medicine...
by Minot
Mon Dec 16, 2013 5:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 12647

Re: Revisiting a thread and going to last viewed post

kenschmidt wrote:There is a "First unread post" link in the top right directly above the first post that has always worked for me.

Thanks! I never noticed that option before. I will use it happily.
by Minot
Mon Dec 16, 2013 5:08 pm
 
Forum: Forum Issues and Administration
Topic: Revisiting a thread and going to last viewed post
Replies: 8
Views: 774
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