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Re: Variable Percentage Withdrawal (VPW)

Will the software download to an iPad?
by Near retirement
Mon Jun 30, 2014 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 454
Views: 48363

Re: Watch battery replacement gone bad. What to do???

Believe it or not some people can ruin a watch changing a battery. I had a cheap Casio ruined at Target once, but since it was a cheap watch I let it go. I don't think I'd DIY for something as expensive as an Omega. I'd prefer to pay a few bucks to someone qualified rather than risk ruining it. The...
by Near retirement
Mon Jun 16, 2014 1:45 pm
 
Forum: Personal Consumer Issues
Topic: Watch battery replacement gone bad. What to do???
Replies: 15
Views: 1067

Re: WATCH BATTERY replacement gone bad. What to do???

roymeo wrote:What's the voltage read on the battery?


How would I determine the voltage read, Roymeo?
by Near retirement
Sun Jun 15, 2014 10:21 pm
 
Forum: Personal Consumer Issues
Topic: Watch battery replacement gone bad. What to do???
Replies: 15
Views: 1067

Watch battery replacement gone bad. What to do???

I need some advice. I took my Omega watch into a jewelry store for a simple battery replacement. It was not a jewelry store I usually use; however, with such a simple task, I did think twice about it. The owner took my watch into the back room, out of sight. He was there an extended period of time -...
by Near retirement
Sun Jun 15, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Watch battery replacement gone bad. What to do???
Replies: 15
Views: 1067

Re: HELP for dying friend ...

1. could the attorney handling the mother's will serve to mediate the differences of opinion RE: the disposition of assets? I believe the children will be co-executors of the will, but that is unknown. Should separate attorneys be considered? 2. How long does probate typically take? 3.I do not know...
by Near retirement
Tue May 27, 2014 5:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP for dying friend ...
Replies: 42
Views: 3477

Re: HELP for dying friend ...

You caught me.... What I meant was that if the parent is dying I would prefer that the evil sibling not focus on planning the disposition of assets but rather visit and try to comfort the mother. It's like the evil one can't wait to get her hands on the money. I have to say, I guess I would be cons...
by Near retirement
Tue May 27, 2014 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP for dying friend ...
Replies: 42
Views: 3477

Re: HELP for dying friend ...

Umm, no, sibling A can't just "dispose of assets at will" after the decedent has passed. The will must be filed with the court and probated prior to the instructions of the will can be carried out by the executor. Sibling B can put a halt to the POA pilfering bank accounts by informing th...
by Near retirement
Mon May 26, 2014 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP for dying friend ...
Replies: 42
Views: 3477

Re: HELP for dying friend ...

I am sorry to hear about your friend's terminal illness. I would be concerned about sibling A (OK, maybe either sibling) draining the bank accounts and anything else he/she has passwords to while your friend's body is still warm. Change passwords (as mentioned above)? Or at the very least, notify t...
by Near retirement
Mon May 26, 2014 9:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP for dying friend ...
Replies: 42
Views: 3477

HELP for dying friend ...

I need some guidance. A dear friend is in the last stages of life. She has two adult children, one with her and one out of state. Her estate will include a house (still has sizable mortgage), maybe 50K equity, and a low 6 figure 403-B. One sibling (A) wants to dispose of all assets ASAP upon the mot...
by Near retirement
Mon May 26, 2014 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP for dying friend ...
Replies: 42
Views: 3477

Re: Gave two weeks notice a week ago - benefits wrapup quest

Yes, that is exactly what I'm doing. I think I mentioned it in my article but you need to make sure that you sign up for your own health care about 1 month or more in advance (I'm sure ACA is the same way). So if I quit on 5/20/14, I would have 2 months of free COBRA. I'd call my new insurance comp...
by Near retirement
Tue May 20, 2014 4:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gave two weeks notice a week ago - benefits wrapup questions
Replies: 22
Views: 3554

Re: RETIRING May 31! Any advice .....?

Kevin,how have you formatted your CDs? 1,3,5 year ladder? Other? What is Bernstein's equity % limit? I'll take the second one first. There is no set equity % limit. The basic idea is to have enough safe assets, preferably inflation-protected, to cover your expense needs (liabilities) throughout ret...
by Near retirement
Tue May 20, 2014 2:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8590

Re: Gave two weeks notice a week ago - benefits wrapup quest

COBRA is a total rip-off but as others have pointed out you have 60 days to decide if you want to activate it or not. You can retroactively activate at any time during that 60 day window. So if you have unavoidable medical bills, just activate your COBRA afterwards and you'll be covered just fine. ...
by Near retirement
Mon May 19, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gave two weeks notice a week ago - benefits wrapup questions
Replies: 22
Views: 3554

Re: RETIRING May 31! Any advice .....?

I would give some thought to taking a Liability Matching Portfolio (LMP) approach rather than a using a standard stock/bond allocation approach. If you haven't read it yet, I recommend Bill Bernstein's short e-book The Ages of the Investor , in which he explains this approach. There have been a num...
by Near retirement
Mon May 19, 2014 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8590

Re: RETIRING May 31! Any advice .....?

I can now see it now. Official retirement is now just around the corner, had a good exit interview Monday, had a good going away breakfast with the team today, and tomorrow very early in the morning I will post my out of office message in Outlook ("I have retired, for immediate assistance plea...
by Near retirement
Sun May 18, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8590

Re: Roll Call for the Retirement Class of 2014!

b4nash wrote:Congratulations!

Near retirement wrote:Near Retirement (still pondering new name) :D


Dear Retirement


Now that's a prize! On the list ...
by Near retirement
Wed May 14, 2014 7:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Roll Call for the Retirement Class of 2014!
Replies: 154
Views: 13561

Re: RETIRING May 31! Any advice .....?

NR - I managed to get my monthly health care insurance premium to around $67 month by going to the exchange and keeping by yearly income around $30K. This was for a plan with a $5K deductible. I was fine with that as I am very healthy without any chronic health issues. Prior to ACA I was paying abo...
by Near retirement
Wed May 14, 2014 7:28 am
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8590

Re: RETIRING May 31! Any advice .....?

Hello, I am retiring officially on May 31. Here is what I have done to prepare finances, etc. Yes, I have also prepared emotionally and have many hobbies and interests to keep me alive and well! Wanted to run this by the forum for other sage advice that might be offered. - I am 60, single. - I have...
by Near retirement
Tue May 13, 2014 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8590

Re: RETIRING May 31! Any advice .....?

Here's one other piece of advice -- talk to your insurance company. I work by the project, and have started taking longer unpaid breaks between projects, averaging a little less than half time last year and this year. Our insurance agent told me that I count as "retired" if I am not emplo...
by Near retirement
Tue May 13, 2014 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8590

Re: Roll Call for the Retirement Class of 2014!

Count me in! Official retirement date= May 31, 2014. Additional pertinent thread with a list of my retirement planning choices and basic information. Here's to healthy, engaged, and awesome retirement years for is all. Let's make it so. http://www.bogleheads.org/forum/viewtopic.php?f=2&t=138688&...
by Near retirement
Tue May 13, 2014 7:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Roll Call for the Retirement Class of 2014!
Replies: 154
Views: 13561

Re: RETIRING May 31! Any advice .....?

There is never a number that fits all at a certain age as many variables will come into plays such as your expense level, desire to leave an inheritance, types of income streams, risk tolerance etc. At this point I am 30 % equities and 70% fixed income. This allocation at this point works for my pr...
by Near retirement
Mon May 12, 2014 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8590

Re: RETIRING May 31! Any advice .....?

Congratulations! I am now 61 and have been retired 2 years and these 2 years have been heaven!! My profile is very similar to yours in terms of age,finances and being single. Your checklist is spot on and I have done all of these. I did alter my conversion to Roth plan with the initiation of the AC...
by Near retirement
Mon May 12, 2014 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8590

Re: RETIRING May 31! Any advice .....?

One other thing I didn't think of before: Read Wade Pfau's work on sequence of return risk in early retirement, and form an opinion about how you want to take it into account. If I were in your position, I'd make a big shift in the AA, to more like 30% equities. The timing couldn't be better, and i...
by Near retirement
Sun May 11, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8590

Re: RETIRING May 31! Any advice .....?

Near retirement, what will your new Boglehead forum name be? :sharebeer Congrats. I've appreaciated your comments over the years. Best, cody Cody, I am pondering my new name, but may stay with this one a while. I will put your suggestion in queue, but would likely give up the suds for tasty red win...
by Near retirement
Sun May 11, 2014 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8590

Re: RETIRING May 31! Any advice .....?

All,
It appears that I am in very good company! Appreciate the advice and the validation RE: my plan. I like Victoria's plan as well. Thanks all. May we all enjoy vibrant and healthy retirement years!!

It is all good!
by Near retirement
Tue May 06, 2014 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8590

Re: RETIRING May 31! Any advice .....?

You have enough to live well without taking early SS before 70. Delaying SS until 70 allows you to convert to Roth IRAs at 15% tax bracket over a ten year span. Unless you have serious health problems delaying SS seems like a good plan as it is inflation adjusted and the best annuity you can buy. I...
by Near retirement
Mon May 05, 2014 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8590

Re: RETIRING May 31! Any advice .....?

Good Job! Good Job. Nice to see my shipmates retiring. Oh my, this is my last week at the office, four working days left, my official retirement day 5/15/14, and I know how it feels! You have a good plan, and my only recommendation is to stay mentally and physically active by maintaining a good/saf...
by Near retirement
Mon May 05, 2014 8:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8590

Re: RETIRING May 31! Any advice .....?

Good choice to retire mid-year. Why? Income taxes related? OP- I'm also 60. I'm at 50/50. Not that much difference, but I'm planning on a few more years. Will you stay with 55/45 or glide down? I'm planning on being at 40/60 at 65 and steady from there. Your plans look very similar to mine. Leif, I...
by Near retirement
Mon May 05, 2014 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8590

Re: RETIRING May 31! Any advice .....?

Just looking for more in to your personal decision/insight, but what went in to the decision to delay SS until 70? (besides the obvious higher monthly benefit) I'm assuming I can rule out higher continuing benefits for spouse with your current marital status being single. All I read and hear advise...
by Near retirement
Mon May 05, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8590

RETIRING May 31! Any advice .....?

Hello, I am retiring officially on May 31. Here is what I have done to prepare finances, etc. Yes, I have also prepared emotionally and have many hobbies and interests to keep me alive and well! Wanted to run this by the forum for other sage advice that might be offered. - I am 60, single. - I have ...
by Near retirement
Mon May 05, 2014 7:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8590

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: 38
Views: 5380

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: 2496

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: 388

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: 1466

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: 1466

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: 1466

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: 422

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: 422

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: 1217

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: 1217

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: 1217

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: 1217

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: 1398

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: 1398

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: 1398

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: 1114

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: 1114

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: 1012

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: 1012

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: 3560

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: 3560
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