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Re: How do you walk away from a good job?

Today, I did just that! At the end of my current contract, I will retire from my career. I recently turned 60, have paid off all debt, and have aligned portfolio to 55/45. I will enroll in ObamaCare to bridge me to Medicare with plans to wait to 70 for SS. I will place my energy into joyous adventur...
by Near retirement
Tue Apr 08, 2014 9:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you walk away from a good job?
Replies: 29
Views: 3368

Re: Daretobedull--Allan Roth

Sarahjane, I have used Allan and recommend him highly IF you want someone to make suggestions to help you align your retirement resources. Working with him gave me the motivation to finally sit down and gather all of the many loose ends in order that he could develop recommendations. His model for o...
by Near retirement
Tue Mar 25, 2014 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Daretobedull--Allan Roth
Replies: 14
Views: 2438

Health Care Act question about 2014????

I am seriously contemplating retiring July 1, 2014. I think I have things in order. One question, though, is about health insurance under the HCA. Do I have to meet the March 31, 2014 sign up deadline? I am currently coverage by my employer but would not be upon my retirement. Do I wait until I am n...
by Near retirement
Wed Mar 12, 2014 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Care Act question about 2014????
Replies: 5
Views: 342

Re: Early retirement questions

Thanks for all responses. Guess I have cold feet about changing from accumulation to decumulation.
by Near retirement
Sun Dec 22, 2013 9:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Early retirement questions
Replies: 11
Views: 1448

Re: Early retirement questions

Thanks for comments so far. Richard. I am not counting home equity in my portfolio for generating retirement income. Noted the homes as additional resources. I am currently trying to sell condo. Are you advising that I might consider selling primary before retirement? I had not considered that optio...
by Near retirement
Sun Dec 22, 2013 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Early retirement questions
Replies: 11
Views: 1448

Early retirement questions

I am in an early retirement mode, working part time with modest income and health care benefits being provided by my employer. My home is paid for, I have no debt, and I have accumulated in the low 7 figures. I have additional assets (home and condo) which add another .5M to net worth. I will be 60 ...
by Near retirement
Sun Dec 22, 2013 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Early retirement questions
Replies: 11
Views: 1448

Re: End of year decisions RE: tIRA and Roth IRA

Thank you, DSI. I will do Roth and await lower income and tax bracket for tIRA conversion to Roth.
by Near retirement
Sat Dec 07, 2013 7:53 am
 
Forum: Investing - Help with Personal Investments
Topic: End of year decisions RE: tIRA and Roth IRA
Replies: 4
Views: 411

End of year decisions RE: tIRA and Roth IRA

I need some advice about end of year decisions. I am estimating that my AGI will be about $100,000. I have not invested in Roth IRA for current year (can invest up to $6500). I also have tIRA funds that could be convert to Roth IRA. Should I do both, one, the other? And in what amounts up to the 110...
by Near retirement
Fri Dec 06, 2013 10:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: End of year decisions RE: tIRA and Roth IRA
Replies: 4
Views: 411

Re: DVY etf, anyone use it?

Purpose for the post, and for the exploration, was based on tip I received about this vehicle. I am interested in improving income, yields and would be sung as a bit of a tilt. Thanks for your insights, questions, and comments.
by Near retirement
Sun Nov 10, 2013 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: DVY etf, anyone use it?
Replies: 12
Views: 1122

Re: DVY etf, anyone use it?

Thank you, kindly, Nisi.
by Near retirement
Sat Nov 09, 2013 5:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: DVY etf, anyone use it?
Replies: 12
Views: 1122

Re: DVY etf, anyone use it?

nisi

Your charts are always so helpful. Thanks. The comparison to total stock market index is interesting. Can you guide me to the tool you use to make these nice comparisons? I would like to compare the vanguard eft to DVY.

Again, thanks.
by Near retirement
Sat Nov 09, 2013 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: DVY etf, anyone use it?
Replies: 12
Views: 1122

DVY etf, anyone use it?

I was looking at DVY ETF as a possible investment for some taxable account money not in index funds. Anyone have experience with it, or a perspective on it? Would appreciate any thoughts.

Thanks.
by Near retirement
Sat Nov 09, 2013 1:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: DVY etf, anyone use it?
Replies: 12
Views: 1122

Re: Should I consider owner financing of my condo?

Thanks, Watty and VTJON, Is the Lease with option preferable, in your opinion?
by Near retirement
Sat Aug 24, 2013 7:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I consider owner financing of my condo?
Replies: 26
Views: 1320

Re: Should I consider owner financing of my condo?

Thanks, bogleheads, for the insights. I will keep you posted if an offer comes.
by Near retirement
Fri Aug 23, 2013 7:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I consider owner financing of my condo?
Replies: 26
Views: 1320

Should I consider owner financing of my condo?

Hello again, Bobleheads. I appreciate the insights I am gaining in this forum. Thank you. I have my condo for sale (second home). My realtor has had an inquiry about my willingness to finance the sale. I believe the prospective buyer does not have the capacity to qualify for a mortgage loan. Here ar...
by Near retirement
Thu Aug 22, 2013 7:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I consider owner financing of my condo?
Replies: 26
Views: 1320

Re: Schwab fees for transferring funds to VG

Thanks for responses.
I am transferring to consolidate. VG will be my primary, will be indexing.
by Near retirement
Tue Aug 06, 2013 7:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Schwab fees for transferring funds to VG
Replies: 14
Views: 1108

Schwab fees for transferring funds to VG

I am in the process of rolling over a few IRA accts. I currently have with Schwab. Does anyone have a suggestion (or know of a strategy) to avoid the $50 per acct. fee for effecting the rollover? Thanks in advance.
by Near retirement
Mon Aug 05, 2013 9:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Schwab fees for transferring funds to VG
Replies: 14
Views: 1108

Re: Gifting of a lake condominium

Thanks for the excellent feedback. I found it interesting that they approached me about this ...
by Near retirement
Wed Jul 17, 2013 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting of a lake condominium
Replies: 10
Views: 1009

Re: Gifting of a lake condominium

I see your point. My cost basis is 60,000 greater than what I owe on the mortgage. I owe about 150,000. Fair market value is about 230,000. I am considering paying off remainder of mortgage in order to eliminate monthly payment (and to avoid 3.75 % interest). Donating it to the university would have...
by Near retirement
Tue Jul 16, 2013 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting of a lake condominium
Replies: 10
Views: 1009

Re: 2014 trip to Europe

I have driven numerous times in Italy, in Portugal and in Greece ... Montalcino area in Tuscany region of Italy; drove from Paris through France, across the Italian alps and in to the east coast of Italy; Portugal (Sintra area); Emilio Romano area of Italy; in Greece, only on Santorini; also drove t...
by Near retirement
Mon Jul 15, 2013 8:17 pm
 
Forum: Personal Consumer Issues
Topic: 2014 trip to Europe
Replies: 44
Views: 3299

Re: 2014 trip to Europe

Like Victoria, I would advise strongly limiting the number of countries. Of course, style of travel needs to be considered. When I travel, I prefer to stay in the countryside, rent a car to come and go as I/we please, and be able to adjust our sails as we go. If wishing to spend time in cities, take...
by Near retirement
Mon Jul 15, 2013 6:29 pm
 
Forum: Personal Consumer Issues
Topic: 2014 trip to Europe
Replies: 44
Views: 3299

Gifting of a lake condominium

I own my primary residence and also a lake condo. I still have a mortgage on the condo, though my primary residence is paid off. I have the condo on the market, but I have been approached by a local university RE: gifting the condo to the institution. Is this a prudent and financially advantageous (...
by Near retirement
Mon Jul 15, 2013 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting of a lake condominium
Replies: 10
Views: 1009

Car decision [which one(s) to sell]

Here is the situation. I have three cars right now and am trying to make a decision as to which one or ones to get rid of, to keep, etc. Each of these cars has been very well maintained and cared for. I bought each car used so my initial costs were not new car prices. All are paid for but annual exp...
by Near retirement
Mon Jul 15, 2013 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car decision [which one(s) to sell]
Replies: 3
Views: 338

Re: I have no idea what I want to do as a career

MS in Accounting would also qualify you to be a college/university professor teaching accounting in many institutions.PhD preferred, but there are so few, those with MS do well.
by Near retirement
Thu Jun 27, 2013 7:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: I have no idea what I want to do as a career
Replies: 80
Views: 4369

Internet and cable needs

I will be losing my company's cellphone plan soon. They currently pay for my monthly use and equipment. I am exploring options for assuming myself. We have Cox Cable TV and want to continue with cable and have been exploring adding Internet/wireless through Cox. We currently have a wireless hotspot ...
by Near retirement
Wed Jun 19, 2013 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Internet and cable needs
Replies: 1
Views: 357

Crown Royal

I have an unopened bottle of Crown Royal in bag, with seal intact. The the date is 1965. Is there a market for this?
by Near retirement
Sat Jun 01, 2013 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Crown Royal
Replies: 8
Views: 869

Former 403-B plans, roll to Roth?

I have worked in universities for most of my career. I have 403-b accounts in TIAA_CREF with three different universities. Is it possible to roll over the previous institutions' accounts into an IRA vehicle in Vanguard or Schwab? I was considering setting a plan in place, when it would have less tax...
by Near retirement
Sat May 18, 2013 8:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Former 403-B plans, roll to Roth?
Replies: 4
Views: 270

Re: Single and Social Security decision

Thank you for the excellent information. I am in excellent health, female, and have investment assets in the low 7 figures with 150k in mortgage ... No other debt. I do not plan to leave a large estate and want to live life fully, though with financial prudence, in retirement. I will be retiring ful...
by Near retirement
Tue May 14, 2013 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Single and Social Security decision
Replies: 52
Views: 2770

Single and Social Security decision

I would appreciate any perspectives on the pros and cons of taking SOcial Security at 62 vs. 66 vs. 70 for a single person. I am 59 and trying to plan all matters associated with retirement. I read conflicting things RE: the financial benefits of taking SS early vs. later. When I ran Firecalc, there...
by Near retirement
Tue May 14, 2013 7:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Single and Social Security decision
Replies: 52
Views: 2770

Honda CRZ 2012

Anyone own or familiar with a Honda CRZ hybrid? Would be interested in any comments, pro or con. Thanks in advance.
by Near retirement
Sun Apr 07, 2013 6:20 pm
 
Forum: Personal Consumer Issues
Topic: Honda CRZ 2012
Replies: 10
Views: 1207

Reliability of FIRECALC

AS I have continued to research and consider various perspectives on retirement, early retirement, etc, I have used FIRECALC across numerous scenarios. I have seen commentary on the assumed accuracy of FIRECALC ... Many touting it, and others questioning the wisdom of the historic forecasting method...
by Near retirement
Wed Mar 27, 2013 10:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reliability of FIRECALC
Replies: 2
Views: 442

Re: Proposal from CFP to prepare for/start retirement

I have a pretty clear sense of expenses, a general sense of discretionary $ I would like to have available for travel, hobbies, etc., and have a sense of healthcare options though I have not finalized. I am apprehensive (I guess that is the right word!) about how to set all things in motion ... How ...
by Near retirement
Thu Jan 17, 2013 10:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Proposal from CFP to prepare for/start retirement
Replies: 11
Views: 1032

Re: Proposal from CFP to prepare for/start retirement

Dale,

I am 58 and wanting to retire as soon as possible.
by Near retirement
Thu Jan 17, 2013 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Proposal from CFP to prepare for/start retirement
Replies: 11
Views: 1032

Re: Proposal from CFP to prepare for/start retirement

Thanks, Dan.

Of the books focused specifically on retirement, what are the top recommendations? I have read some of the general books and would appreciate insights into the best books that can be helpful in step by step planning for retirement.
by Near retirement
Thu Jan 17, 2013 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Proposal from CFP to prepare for/start retirement
Replies: 11
Views: 1032

Re: Proposal from CFP to prepare for/start retirement

Thanks Dan Dan. If there are specific resources (books, wikis) I would appreciate any leads.
by Near retirement
Tue Jan 15, 2013 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Proposal from CFP to prepare for/start retirement
Replies: 11
Views: 1032

Proposal from CFP to prepare for/start retirement

Thanks for considering my situation. I have had initial, free meetings with fee-only financial planners and have a couple proposals. One of them may provide a plan that can be helpful ... one year of guidance for preparing for and setting up accounts, health insurance decision making and qualifying,...
by Near retirement
Tue Jan 15, 2013 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Proposal from CFP to prepare for/start retirement
Replies: 11
Views: 1032

Buying Used Prius

I am considering buying a used,2011 Prius from private owner. I have looked at KBB, including mileage. Any advice as to how to negotiate price? Asking from owner is ~18,000. Any help will be appreciated.
by Near retirement
Wed Dec 19, 2012 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying Used Prius
Replies: 8
Views: 1023

Selecting and Setting Questions for a Potential CFP

As I prepare for retirement, I am seriously considering interviewing several CFPs in order to get advice on a fee-only plan. Are there questions you would suggest that I ask? Of course, I am interested in his/her fees, what is provided for the fee, etc. Any other advice as I try to frame an initial ...
by Near retirement
Mon Dec 03, 2012 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selecting and Setting Questions for a Potential CFP
Replies: 4
Views: 229

Re: Vanguard STAR Balanced Fund

Thanks, Laura. Helpful. Do the target funds, then, operate as index funds vs. actively managed funds?
by Near retirement
Fri Nov 23, 2012 11:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard STAR Balanced Fund
Replies: 8
Views: 1074

Vanguard STAR Balanced Fund

Anyone use Vanguard Star? I have been reading along with Bogleheads for a short while and I hav never seen it mentioned. Could it be a one- fund choice for AA?
by Near retirement
Fri Nov 23, 2012 11:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard STAR Balanced Fund
Replies: 8
Views: 1074

Seeking Advice RE: Paying Off Mortgages

I am considering retirement. I would really appreciate some grounding and advice as I determine how to deploy resources and how to make some big picture decisions. A few details. 58 years old Single Various equity investments and cash = $920,000 Anticipating gift of $250,000 cash Primary residence =...
by Near retirement
Sun Nov 11, 2012 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice RE: Paying Off Mortgages
Replies: 1
Views: 316

MLP

Anyone use MLPs as a vehicle in their retirement strategy? Yields are so low, I was considering them as a possibility. Any advice, insights would be appreciated. Thanks.
by Near retirement
Thu Oct 11, 2012 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: MLP
Replies: 15
Views: 1290

Re: [Can I retire?] What to do, what to do RE: mortgage

If I have to sell the second home at a loss, would you do so?
by Near retirement
Tue Oct 09, 2012 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Can I retire?] What to do, what to do RE: mortgage
Replies: 9
Views: 1149

Can I retire?

I am 58, single, and no debt except for home mortgage and second home mortgage. I have 1.25 million (not including real estate appraised value of the who homes=~$400,000 -- still owe about $250,000 combined mortgages). Seeking advice #1: Should I liquidate 250,000 and pay off mortgages (primary home...
by Near retirement
Mon Oct 08, 2012 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Can I retire?] What to do, what to do RE: mortgage
Replies: 9
Views: 1149

[Can I retire?] What to do, what to do RE: mortgage

I am nearing retirement, and single. I have been following this forum and am learning so much. Thank you. First, the context for my question. .. have a home mortgage balance of about 100,000 (appraisal value of home about $250,000). .. Have a second home mortgage of about 150,000 (appraisal value ab...
by Near retirement
Mon Oct 08, 2012 6:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Can I retire?] What to do, what to do RE: mortgage
Replies: 9
Views: 1149

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