Search found 402 matches

Go to advanced search

by Swampy
Sat Apr 18, 2015 8:19 pm
Forum: Personal Consumer Issues
Topic: New HVAC
Replies: 21
Views: 1555

Re: New HVAC

I'd shop around and try to find a better price, maybe even with a lower SEER unit. The last thing you want to do is to end up having to replace it in July, when it's 100 degrees outside. Then the AC people have you right where they want you. Another, less expensive option, is to buy a home warranty ...
by Swampy
Wed Apr 15, 2015 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Talking to People About Retirement
Replies: 70
Views: 6600

Re: Talking to People About Retirement

I also don't want them to think that I am making an irresponsible decision by choosing to retire at a younger age than they expect. It's really nobody else's business. Especially if you're not asking them to give or 'lend' you money or to support you in any other manner after you leave work. I thin...
by Swampy
Sat Apr 11, 2015 7:34 am
Forum: Personal Finance (Not Investing)
Topic: When to Retire?
Replies: 35
Views: 3300

Re: When to Retire?

I have yet to read on a tombstone "I wish I could have worked more."

As for your case, when to retire?

Yesterday.

Take it from someone with personal experience, not only do you have enough to retire, you'll have an excess.
by Swampy
Sat Apr 11, 2015 7:26 am
Forum: Personal Consumer Issues
Topic: Propane Heating and Septic Tanks
Replies: 36
Views: 1987

Re: Propane Heating and Septic Tanks

You're welcome to read my post, Septic System Woes, https://www.bogleheads.org/forum/viewtopic.php?f=11&t=115333. I strongly encourage a septic tank inspection from a small local septic pumping company. The seller should have the tank pumped out (at their expense) for this inspection prior to sa...
by Swampy
Thu Apr 09, 2015 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio changes to retire in 4 years...
Replies: 26
Views: 2657

Re: Portfolio changes to retire in 4 years...

IMHO at 90/10 and planning to retire soon you are a gambler not an investor


+1
by Swampy
Wed Apr 08, 2015 6:55 am
Forum: Personal Finance (Not Investing)
Topic: A Little Surprise at the Social Security Office
Replies: 17
Views: 3227

Re: A Little Surprise at the Social Security Office

When dealing with a government bureaucracy, it is best to keep important documentation for a very long time. I suppose getting SSA.GOV printouts every couple of years is a good way to keep tabs on it and catch the problem early. I've been doing that for years. I've also kept all 1040's and related d...
by Swampy
Tue Apr 07, 2015 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Maximum recommended funding for Special Needs Trust
Replies: 7
Views: 951

Re: Maximum recommended funding for Special Needs Trust

Thank you for your informative reply, harmony.

I will look into the Qualified Disability Trust and see if it is an option for the SNT in my state.

Going through this process is like peeling the layers off an onion.
by Swampy
Tue Apr 07, 2015 7:06 am
Forum: Personal Finance (Not Investing)
Topic: When to give adult children their inheritance?
Replies: 57
Views: 6836

Re: When to give adult children their inheritance?

I'm working on that same problem myself, complicated by funding a Special Needs Trust as well. I plan on keeping IRA's out of the trust and let the kids decide individually (after we die) how they want to spend that money down. If they blow it, they will have a long dry spell...and a very good lesso...
by Swampy
Tue Apr 07, 2015 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Maximum recommended funding for Special Needs Trust
Replies: 7
Views: 951

Re: Maximum recommended funding for Special Needs Trust

Good points so far. Since the rules governing SNT's are so difficult, it was my understanding that an SNT could not pay for property taxes and utilities,making property ownership impractical. I guess my confusion stems from the high tax rates on SNT's. Is the high rate ONLY on retained taxable incom...
by Swampy
Mon Apr 06, 2015 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Maximum recommended funding for Special Needs Trust
Replies: 7
Views: 951

Maximum recommended funding for Special Needs Trust

We have several children, one who has severe autism. While meeting with the attorney, we wondered if we might be over or underfunding our autistic child's SNT. That said, it appears that there will be more than enough for all three, maybe even too much for the two 'normal' kids. The last thing we wa...
by Swampy
Sun Mar 29, 2015 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest in retirement
Replies: 13
Views: 1435

Re: How to invest in retirement

Two and a half years ago I ditched my advisor who was taking 1% in addition to his 12b-1 kickbacks and switched to index funds. The money I save by not paying the high advisory fee's each and every year just from that one move pays for 3 months worth of living expenses. Each and every year! You wrot...
by Swampy
Sat Mar 28, 2015 2:46 pm
Forum: Investing - Theory, News & General
Topic: "Are Index-Fund Investors Smarter?"
Replies: 29
Views: 3543

Re: "Are Index-Fund Investors Smarter?"

I think Index Fund investors are more frugal than the average investor. For a long time, I considered myself an above average investor, complete with a high wrap fee to show for it (ego had a lot to do with it). I finally figured out that by thinking I was above average I was getting below average r...
by Swampy
Sat Mar 28, 2015 12:22 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri's 30 year market forecast 2015
Replies: 137
Views: 14662

Re: Rick Ferri's 30 year market forecast 2015

Long term, equities have returned about 10% and bonds about 5%. There is a reversion to the mean and I have been of similar mind with Ferri's prediction that returns, going forward, will be suboptimal...meaning equities at 6-7% and bonds at 2-3%. Having worked this into my retirement planning, I wo...
by Swampy
Sat Mar 28, 2015 7:03 am
Forum: Investing - Help with Personal Investments
Topic: Can you really know your AA until you've hit a bear market?
Replies: 74
Views: 5670

Re: Can you really know your AA until you've hit a bear mark

Taylor Larimore wrote: Hi Bogleheads: Our family owned "Larimore's Diner" in Foxboro, Mass. in 1929. When the depression hit, my parents lost the Diner and we moved to Miami into one of my grandfather's empty homes. My Grandfather, Christopher F. Coombs, was one of the three principals of ...
by Swampy
Fri Mar 20, 2015 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor's office requires credit card on file
Replies: 55
Views: 3348

Re: Doctor's office requires credit card on file

Cancel any appointment and just find another doctor.
by Swampy
Fri Mar 20, 2015 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Trust Advice
Replies: 6
Views: 687

Re: Trust Advice

Bump.
by Swampy
Wed Mar 18, 2015 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Advice
Replies: 6
Views: 687

Trust Advice

While meeting with an attorney to get the family trust set up, we were asked to provide a contingency plan in case the entire family was wiped out, like in a plane crash. The closest biological relatives are my wife's siblings and I do not feel comfortable with that scenario at all. I have more dist...
by Swampy
Tue Mar 17, 2015 3:44 pm
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 6091

Re: One Level or Two Level House

I've had homes with one story and homes with two stories. Hands down, a single story ranch for me. Lots of big talk about the merit of stairs. I disagree. A walk in the neighborhood will work wonders and you won't have the obstacle course that stairs impune. Just try maneuvering stairs with crutches...
by Swampy
Tue Mar 17, 2015 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: 23 year old investing advice after large settlement (500k)
Replies: 10
Views: 1904

Re: 23 year old investing advice after large settlement (500

My first thought is to make sure all the medical bills have been paid or will be paid...before anything else is even contemplated.
by Swampy
Mon Mar 16, 2015 6:42 pm
Forum: Personal Consumer Issues
Topic: Savannah
Replies: 28
Views: 3533

Re: Savannah

Be prepared to do a lot of walking, it'll be fun. Visit Fort Jackson and Fort Pulaski (named for Casimir Pulaski, KIA in Savannah 1779 and buried in Monterrey Square) on the short side trip to Tybee Island. The parks, squares and cemeteries are an utter treasure trove of history, including Forsyth ...
by Swampy
Sun Mar 15, 2015 6:17 pm
Forum: Personal Consumer Issues
Topic: Cruise.Com Bait and Switch Tactics
Replies: 28
Views: 3106

Re: Cruise.Com Bait and Switch Tactics

Great information so far. Yes, Taylor, Miami is a great cruise port. How did you enjoy your RTW cruises? Did you do the full circle or just a segment at a time? We're lucky to have so many port and cruise line choices in Florida. DonM17, do those shipboard credits apply if you own less than 100 shar...
by Swampy
Sun Mar 15, 2015 3:28 pm
Forum: Personal Consumer Issues
Topic: Cruise.Com Bait and Switch Tactics
Replies: 28
Views: 3106

Re: Cruise.Com Bait and Switch Tactics

Costco???

Wow, it would never have entered my mind to look there for a cruise.
by Swampy
Sun Mar 15, 2015 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Issues: Life Expectancy
Replies: 24
Views: 2364

Re: Retirement Issues: Life Expectancy

Life expectancy is a funny thing. It's inaccurate at best, genuinely misinformative at worst. Of the ancestors in my immediate family, each and every one lived (on average) at least 20% longer than the predicted life expectancy when they were born - except for several who died significantly younger...
by Swampy
Sun Mar 15, 2015 2:52 pm
Forum: Personal Consumer Issues
Topic: Cruise.Com Bait and Switch Tactics
Replies: 28
Views: 3106

Cruise.Com Bait and Switch Tactics

I've been on a number of cruises over the years with a variety of cruise lines. The local paper always runs ads from Cruise.Com on Sundays. Over the last couple of years, I've phoned them at least half a dozen times for cruises that they advertised for a decent price. Amazingly, EACH AND EVERY TIME...
by Swampy
Sun Mar 15, 2015 9:01 am
Forum: Personal Finance (Not Investing)
Topic: If I Knew Then What I Know Now
Replies: 61
Views: 12142

Re: If I Knew Then What I Know Now

The wisdom of experience is frequently lost on the young, falling more often than not on deaf ears. It's mind boggling how each and every generation literally has to re-invent the wheel. Precious few take advantage of this sage advice at a young age and go forward by implementing it. Those that do ...
by Swampy
Sat Mar 14, 2015 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest a large amount of cash?
Replies: 10
Views: 1477

Re: How to invest a large amount of cash?

I assume you have enough cash on hand for 6-12 months of emergency living reserves?

If not, then I strongly suggest a savings account not subject to market whims or upheavals before you even consider investing.
by Swampy
Sat Mar 14, 2015 8:11 am
Forum: Personal Consumer Issues
Topic: Retirement Dreams on the Water
Replies: 17
Views: 3094

Re: Retirement Dreams on the Water

.....
by Swampy
Wed Mar 11, 2015 6:38 pm
Forum: Personal Consumer Issues
Topic: Where to retire in New England?
Replies: 101
Views: 8242

Re: Where to retire in New England?

New England???

:D

Maybe as a reverse snowbird from May through October.

Outside those months, any place in the U.S.A. south of 30 degrees north latitude and east of the Mississippi. :wink:
by Swampy
Tue Mar 10, 2015 5:58 am
Forum: Investing - Help with Personal Investments
Topic: How to create a 3% return portfolio?
Replies: 52
Views: 5715

Re: How to create a 3% return portfolio?

Given today's economic climate and portfolio return expectations/prognostications, I'm less optimistic than the numbers revealed on Vanguard's return chart. Going forward, I'm assuming a return of 6-7% for equities and 1.5-2% for bonds over then next decade or two, instead of 10.2% for equities and...
by Swampy
Sat Mar 07, 2015 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Tom Stanley-Millionaire Next Door Author Killed in Auto Acci
Replies: 76
Views: 12640

Re: Tom Stanley-Millionaire Next Door Author Killed in Auto

There's another lesson in Tom Stanley's passing. He was only 71. Interestingly, on another Boglehead post, a large percentage of individuals indicated they would wait to age 70 before starting to collect Social Security benefits. My question to them is "Just how certain are you that you're goin...
by Swampy
Sat Mar 07, 2015 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Closing docs from old mortgages - shred?
Replies: 6
Views: 586

Re: Closing docs from old mortgages - shred?

I'm less trusting of computer technology than others and prefer to keep the actual papers. Digitally stored documents are not really stored if the system 'hiccups.' For documents like this, a safety deposit box or fire resistant file cabinet is good. I have organized and still have tax records datin...
by Swampy
Wed Mar 04, 2015 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Tom Stanley-Millionaire Next Door Author Killed in Auto Acci
Replies: 76
Views: 12640

Re: Dr. Thomas Stanley

I found out I was already doing most of what they wrote in the book when my wife went out and bought a copy of Millionaire Next Door for my birthday. It came as a relief to know that we were on the right path especially when we had serious doubts as I saw my neighbors living large. Turns out the ne...
by Swampy
Wed Mar 04, 2015 7:16 am
Forum: Personal Consumer Issues
Topic: Any ever do a small addition on their house?
Replies: 24
Views: 2102

Re: Any ever do a small addition on their house?

Years ago, I looked into adding about 300 SF for an extra bedroom and closet without extra plumbing, etc. The quotes I got were for MORE than the original price of our home, purchased just a few years earlier.

We moved.
by Swampy
Tue Mar 03, 2015 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Is Yahoo Mail working very slowly???
Replies: 26
Views: 1555

Re: Is Yahoo Mail working very slowly???

Here's the screwy thing, it's working fine tonight. I believe that the issue is with Yahoo and not with my computer, even though I installed a pop up blocker last month and initially considered blaming it. The problem with Yahoo Mail has happened intermittently in the past where it just did not oper...
by Swampy
Tue Mar 03, 2015 5:16 pm
Forum: Personal Consumer Issues
Topic: Tourists in Manhattan
Replies: 53
Views: 4937

Re: Tourists in Manhattan

Staying in NYC is crazy expensive! When I went, they wanted $75 a night just for overnight parking at a Manhattan hotel. Forget that. That was in 2010. FWIW, my recommendations: 1) Embassy Suites in Secaucus-Meadowlands. You get a full hot breakfast to start the day right. Free parking (at least wh...
by Swampy
Tue Mar 03, 2015 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Is Yahoo Mail working very slowly???
Replies: 26
Views: 1555

Re: Is Yahoo Mail working very slowly???

A few weeks ago I added Adblock to the computer. It worked well stopping annoying popup ads. The Yahoo Mail problem didn't start until yesterday. Just to try it, I went into Adblock and adjusted the setting to not work on Yahoo Mail. Voila, Yahoo Email started working a lot faster...but still not ba...
by Swampy
Tue Mar 03, 2015 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Is Yahoo Mail working very slowly???
Replies: 26
Views: 1555

Is Yahoo Mail working very slowly???

My computer is a Mac Mini which has been working great...until the last 24 hours and only when on Yahoo Mail. It is a shared computer with the whole family. I use it for a variety of things, including financial transactions and bill pay as well as downloading financial statements. My family uses it ...
by Swampy
Mon Mar 02, 2015 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Tom Stanley-Millionaire Next Door Author Killed in Auto Acci
Replies: 76
Views: 12640

Re: Tom Stanley-Millionaire Next Door Author Killed in Auto

I found out I was already doing most of what they wrote in the book when my wife went out and bought a copy of Millionaire Next Door for my birthday. It came as a relief to know that I was on the right path especially when I had serious doubts as I saw my neighbors living large. Thanks to Tom Stanl...
by Swampy
Mon Mar 02, 2015 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: What if you already have a couple million?
Replies: 42
Views: 6838

Re: What if you already have a couple million?

The true question is "Why keep playing the game if you've already won?" Circumstances can change and you might want to retire earlier than planned. How would you position your assets 3-5 years from retirement? A true tragedy of life occurs when 30 and 40 year olds have plans to travel and...
by Swampy
Mon Mar 02, 2015 9:02 pm
Forum: Personal Consumer Issues
Topic: Paris France help/suggestions for women
Replies: 22
Views: 1709

Re: Paris France help/suggestions for women

I wouldn't be wandering around with all sorts of cash, ID's and credit cards. When we travelled, we only carried daily cash separated into several areas, including a money belt, button down shirt pockets and tucked into my wife's bra. DO NOT go to the currency exchange at the airport! You will do mu...
by Swampy
Mon Mar 02, 2015 8:33 pm
Forum: Personal Consumer Issues
Topic: airbnb tips?
Replies: 20
Views: 1824

Re: airbnb tips?

It's interesting to read about the 'legality' status of rentals. The place we had a problem with the landlord was literally on embassy row in a European city. While the unit itself was 'OK,' it was in a high security neighborhood and building which did not allow short term rentals and sublets. Fortu...
by Swampy
Sat Feb 28, 2015 5:58 pm
Forum: Personal Consumer Issues
Topic: airbnb tips?
Replies: 20
Views: 1824

Re: airbnb tips?

I'm less than impressed with AirBNB after staying in several of their listed properties. I would strongly urge you to be sure you know exactly how to contact them from Europe when you have problems with a rental, especially with a weirdo landlord. Read the listings carefully, if it sounds too good t...
by Swampy
Fri Feb 27, 2015 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance - how much is needed
Replies: 18
Views: 1490

Re: Life insurance - how much is needed

I've heard life coverage recommendations between 8-20 times annual income from agents. It certainly depends on your debts and the number of kids you leave behind. Since life insurance is tax free, it should be more than enough to offset your lost income minus income taxes. Based on your numbers for...
by Swampy
Tue Feb 17, 2015 8:16 am
Forum: Investing - Theory, News & General
Topic: The Non-Millionaire Next Door
Replies: 43
Views: 6586

Re: The Non-Millionaire Next Door

The favorite commercial that continues to epitomize my neighbors over the last few decades is this: https://www.youtube.com/watch?v=r0HX4a5P8eE I used to beat myself up for years when I saw others with all the latest cars, boats, toys and do-dads and expensive vacations...wondering what I was doing ...
by Swampy
Tue Feb 17, 2015 8:07 am
Forum: Personal Finance (Not Investing)
Topic: When would you retire money no object?
Replies: 64
Views: 3707

Re: When would you retire money no object?

That would have happened right after graduating from high school. Decades of work kept me from enjoying and truly living a long part of my life. Now that I'm retired, I realize what I've been missing all those years. I started with nothing. After all these years, I have most of it left. :wink:
by Swampy
Tue Feb 17, 2015 8:03 am
Forum: Personal Consumer Issues
Topic: Not clearing snow from driveway
Replies: 81
Views: 6232

Re: Not clearing snow from driveway

Our neighbors, much older than us, are extremely diligent...We, not so much...is there a cost to this? Why don't you call your insurance agent or one of those personal injury lawyers who advertise on TV and ask them? I started with nothing. After all these years, I have most of it left. :wink:
by Swampy
Sat Feb 14, 2015 5:16 pm
Forum: Personal Consumer Issues
Topic: Spring Break Ideas for Apr 4-11 for girls 4,6 yrs
Replies: 45
Views: 2736

Re: Spring Break Ideas for Apr 4-11 for girls 4,6 yrs

Hands down - Florida Gulf Coast. Should be quite toasty in April.

The girls will like the beaches.

Easy drive from Georgia, not as crazy as Orlando and overall better family atmosphere than the Atlantic side of Florida.

Take your pick anywhere from Clearwater to Naples.

Go to advanced search