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Re: Should I Declare Victory and Pack It In?

When I read the first post, I too had trouble with the math and thought OP was nuts. After reading the constructive comments and elaboration - I think you're ok, WormWood. I hope the lifestyle adjustment doesn't affect your morale. It sounds like a big shift is coming. 3-4% SWR of 2.7M is 81-108k/yr...
by boglebill
Mon Jan 19, 2015 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Declare Victory and Pack It In?
Replies: 173
Views: 16680

Re: Personal Finance 2015 Checkup

Are you already making any kind of payments on the new house? If not, you can get a place month-to-month and move out when the new place is ready.

Losing 10k seems like a large hit. Do you not want the house anymore?
by boglebill
Mon Jan 19, 2015 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Personal Finance 2015 Checkup
Replies: 6
Views: 1383

Re: Saving too much in retirement accounts? Numbers inside.

I've been following this thread because it seems to loosely resemble my plan, and closely resemble my timeline. I hadn't previously visualized the decline in contributions, or the manner in which you are transferring from stocks to bonds. While I am almost certain we are saving "too much,"...
by boglebill
Tue Jan 06, 2015 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Saving too much in retirement accounts? Numbers inside.
Replies: 16
Views: 4235

Re: Where I was in March vs. Where I am now.

You are doing GREAT!
by boglebill
Tue Dec 30, 2014 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where I was in March vs. Where I am now.
Replies: 4
Views: 851

Re: How Much Do You Sacrifice?

I don't have time at the moment to read all the replies. You haven't posted your entire budget for us to nitpick, but it sounds like you have a comfortable income, aren't buried under mounds of debt, and have some flexible discretionary money. GOLFGUY - you better march your butt down to that golf c...
by boglebill
Tue Dec 30, 2014 12:12 pm
 
Forum: Personal Consumer Issues
Topic: How Much Do You Sacrifice?
Replies: 82
Views: 6604

Re: Any Cyclists With a Brooks Saddle?

Brooks saddles are like Subarus. Everyone who has one LOVES them. I do not have one, but I would definitely get one for the right bike.
by boglebill
Tue Dec 30, 2014 11:24 am
 
Forum: Personal Consumer Issues
Topic: Any Cyclists With a Brooks Saddle?
Replies: 23
Views: 1900

Re: 29 year old portfolio eval

Married filing joint... Does your spouse work?
by boglebill
Tue Dec 23, 2014 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: 29 year old portfolio eval
Replies: 6
Views: 1222

Re: 2015 Roth IRA

$450 per month x 12 = $5400
+ $100 extra in January = $5500

Hitting the max was a lot more difficult before I set up a monthly auto deposit.
by boglebill
Tue Dec 23, 2014 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2015 Roth IRA
Replies: 25
Views: 3355

Re: Anyone prep for the PMP???

I also used Velociteach materials. After assisting several prep courses that use the Mulcahey material, I still prefer the Velociteach experience.

Do not take the exam until you're passing practice exams with time to spare and over 80% score.
by boglebill
Tue Dec 23, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Anyone prep for the PMP???
Replies: 17
Views: 3962

Re: Puerto Rico

We went a couple years ago and had a blast. Stayed at the Caribe Hilton. The Pina Colada Club had fantastic fish tacos. They were so good I think we had them 3 (yes, THREE) times. http://www3.hilton.com/en/hotels/puerto-rico/caribe-hilton-SJNHIHH/dining/index.html Spent a day looking around Old San ...
by boglebill
Tue Dec 23, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Puerto Rico
Replies: 21
Views: 2742

Re: Learning to Type

Typing club looks great. I learned on Mavis Beacon almost 30 years ago. I still remember the game mode, that's where I spent most of my time.
(this message brought to you at 95+ WPM)
by boglebill
Sat Nov 22, 2014 8:51 am
 
Forum: Personal Consumer Issues
Topic: Learning to Type
Replies: 14
Views: 1758

Re: Is Prepaid College Fund a Qualified 529 Expense?

I would like to amend my post to state "withdraw or rollover to fund". Thanks for both your input! Sounds like a call to FL Prepaid is first on my to do list. When I purchased a plan in 2009 they weren't very helpful, almost to the point of being misleading. I'll have to get a second opini...
by boglebill
Sun Sep 07, 2014 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Prepaid College Fund a Qualified 529 Expense?
Replies: 7
Views: 553

Is Prepaid College Fund a Qualified 529 Expense?

This year the Florida Legislature passed a bill to reduce prepaid college fees!!! In 2008 the 4 year university plan ran about 20k. Last year it was over 50k. This bill brings the price back down to about 27k (and back credits certain prepaid plans, wow!). http://www.myfloridaprepaid.com/what-we-off...
by boglebill
Sun Sep 07, 2014 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Prepaid College Fund a Qualified 529 Expense?
Replies: 7
Views: 553

Re: Dumb 3rd grade math question about beach house rental

Everyone being happy and not feeling like they were taken for a ride = most important. It sounds like that has been accomplished, so we could stop there. We rent a house annually with relatives. Sometimes they pick a rental that is far too expensive for our taste. We have stated our budget and that ...
by boglebill
Fri Aug 01, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 61
Views: 5663

Re: How to admit/should I admit alcohol problem to employer

It takes a lot of courage to do what you are doing. You have taken the first step and that is GREAT! I don't have more to add, thinking FMLA or short term leave of absence ...
by boglebill
Sun Jul 06, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 111
Views: 15759

Re: Poll: Dave Ramsey - Harmful or helpful?

Overall he does good things. I used to love listening to Dave Ramsey. I am fascinated by personal finance, budgeting, etc. I'm not sure if the newness wore off, or if he changed, but I often find myself thinking "what a conceited jerk." He is horribly rude and talks down to people too much...
by boglebill
Sun Jun 22, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Dave Ramsey - Harmful or helpful?
Replies: 65
Views: 5426

Re: Low Income, High Net Worth - Stories Of

fisher_man89 wrote:Kids are people and need very little, yet want much.
What kids need most is free: love, encouragement, protection, boundaries, and instruction.


Beautiful!
by boglebill
Sun Jan 19, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Low Income, High Net Worth - Stories Of
Replies: 76
Views: 12743

Re: [Sad news - Pat Larimore]

Taylor - very sorry to hear about your wife.
The video is a beautiful tribute.
by boglebill
Fri Jul 19, 2013 6:20 am
 
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 16464

Re: Beef brisket

Late to the party ... I try to disrupt things as little as possible. Also I monitor temps, extreme changes is bad. Ideally smoker is 205-220 As long as smoker is right temp, I don't worry about the meat when it stalls, just roll with it. Brisket needs to hit a higher temp so all the connective tissu...
by boglebill
Sun Jun 23, 2013 4:27 pm
 
Forum: Personal Consumer Issues
Topic: Beef brisket
Replies: 53
Views: 6531

Re: Spouse wants to purchase a bicycle for 5000.

As a fellow cyclist, if household can stomach the expense ... GO FOR IT! Equipment costs have risen quite a bit in the last few years. A $2k bike is now $3300+. $5k bike is high end, but not top of the line. Personally, I would love a new bike but can't justify the expense while my current bikes (ma...
by boglebill
Fri Apr 12, 2013 7:30 pm
 
Forum: Personal Consumer Issues
Topic: Spouse wants to purchase a bicycle for 5000.
Replies: 129
Views: 8235

Re: The Munchkin Man Diet

For some reason or another, within the last week or two I was thinking about The Munchkin Man. I looked all over and also saw he had not so much as logged in for a very long time.

Glad to see you're doing great and you're back! Great accomplishment!
by boglebill
Sat Mar 02, 2013 9:45 am
 
Forum: Local Chapters and Bogleheads Community
Topic: The Munchkin Man Diet
Replies: 120
Views: 11307

Re: Anyone recently refinance a rental property?

I did a HARP 2.0 last year at 4.75% on a rental. Negative LTV.

However - it was NOT a NO COST situation. They added about 3-4k in stamps, fees, etc.

Regardless, helped cashflow.
by boglebill
Wed Nov 07, 2012 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone recently refinance a rental property?
Replies: 7
Views: 819

Re: Fidelity brick and mortar locations

Fidelity is my primary source. There isn't a branch within 2 hours of me.
Never a problem.

If needed (extremely rare), I have visited branches in other cities on vacation or while traveling.
by boglebill
Fri Oct 19, 2012 5:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity brick and mortar locations
Replies: 14
Views: 1360

Re: 529 Savings Plan Beneficiary Tax Considerations

I'm not an expert. You may be able to open the 529 for yourself. With you named as the beneficiary/student. Then later on - you would do a 529 transfer to one set up for your child or nephew. This is how it was explained to me when I asked about opening 529's and unspent money or transfering between...
by boglebill
Mon Oct 08, 2012 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 Savings Plan Beneficiary Tax Considerations
Replies: 4
Views: 412

Re: Looking to switch to online checking- ING or Fidelity?

Late to the party, but I have been using Fidelity for most of my assets for years. Billpay, debit, etc are easy. I don't have a local branch nearby which has been less than desirable on a few occasions, but not impossible to work around. What can one do (from a checking account perspective) at a Fi...
by boglebill
Wed Oct 03, 2012 5:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Looking to switch to online checking- ING or Fidelity?
Replies: 37
Views: 4333

Re: Looking to switch to online checking- ING or Fidelity?

Late to the party, but I have been using Fidelity for most of my assets for years. Billpay, debit, etc are easy.

I don't have a local branch nearby which has been less than desirable on a few occasions, but not impossible to work around.
by boglebill
Mon Oct 01, 2012 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Looking to switch to online checking- ING or Fidelity?
Replies: 37
Views: 4333

Re: Why retire in June, of all months?

A lot of people who work for the State of Florida retire in June because the State fiscal year starts July 1.

A lot of legisltation goes into effect July 1. So when they change retirement rules, people jump ship before the new rules backslap them.
by boglebill
Sat Jul 07, 2012 5:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Why retire in June, of all months?
Replies: 52
Views: 4749

Re: Retirement decision - Parent asking me for advice

Does it really work like this? Can you name a child or grandchild who will then get your benefit throughout their lifetime [after you pass]?

I am naive when it comes to survivor benefits, I thought it had to be a spouse.
by boglebill
Thu May 31, 2012 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement decision - Parent asking me for advice
Replies: 24
Views: 1606

split from Renting Room of Personal Residence

Leases should be written to protect both sides. This is illegal: "I changed the locks and I was waiting for him outside when he came home from work to let him know that it was time for him to move." You don't need a lease to be required to go through formal eviction process. "If I had...
by boglebill
Mon Apr 16, 2012 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: split from Renting Room of Personal Residence
Replies: 6
Views: 254

Re: Renting Room of Personal Residence

A lot of little things to consider ... Furniture? Parties? Utilities? Would you claim this as unreported income? To be honest - probably not worth the hassel. If it's a period of 6 months and 1 day or longer: maybe. For example, in Florida, anything under 6 months and 1 day - you have to register wi...
by boglebill
Mon Apr 16, 2012 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Renting Room of Personal Residence
Replies: 4
Views: 927

Re: BogleBill is ready ...

MHC and Kevin - thanks for continuing to help! Thanks for the new view YDNAL! Kevin - I revised to shoot for 70/30 but I missed the mark a little :? ... I've convinced myself that first pass is liquidate and rearrange to the general form ... then rebalance from there to square things up. I over-spen...
by boglebill
Mon Apr 16, 2012 9:52 am
 
Forum: Investing - Help with Personal Investments
Topic: BogleBill is ready ...
Replies: 15
Views: 1921

Re: BogleBill is ready ...

Ok - first crack at this ... shooting for 70/30, 20% International ... I put together a massive spreadsheet and if correct, the calculations are: 53.97% US Equity (~14% mid-cap, ~3% small cap) 20.53% International 25.00% Bonds His ROTH - 33.6% 20.16% Total - FSGUX - Spartan Global ex U.S. Index Fund...
by boglebill
Sun Apr 15, 2012 7:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: BogleBill is ready ...
Replies: 15
Views: 1921

Re: BogleBill is ready ...

Thank you for the replies! I have the data in a spreadsheet and will fill in the fine allocation details this weekend and post the results for review. I do appreciate the help! - I think the missing piece in my mind clicked when MHC and Kevin said to pick the best ERs in the 401k's and work backward...
by boglebill
Fri Apr 13, 2012 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: BogleBill is ready ...
Replies: 15
Views: 1921

BogleBill is ready ...

I posted our portfolio almost 3 years ago . I'll be honest ... I haven't pulled the trigger on re-allocating like I should have. We have continued to fund the accounts, but I was trigger shy. I'm ready. Emergency Fund: Yes (not included below). There are several scenarios because we are dual income ...
by boglebill
Thu Apr 12, 2012 10:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: BogleBill is ready ...
Replies: 15
Views: 1921

Re: How should one deal with adult children's finances?

I told him to pack his stuff and I drove him to a cheap motel where I paid for a weeks' lodging and told him, " I love you, but it is time to stand on your own two feet". That was over 20 years ago. We have a very good relationship now. Recently he told me that I should have kicked him ou...
by boglebill
Mon Apr 02, 2012 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: How should one deal with adult children's finances?
Replies: 144
Views: 7755

Re: Vanguard sent me a check for a penny

This must be why their fees are so high!

(If you can't tell - that's a joke!)
by boglebill
Mon Apr 02, 2012 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sent me a check for a penny
Replies: 25
Views: 2452

Re: Fidelity password security policies

I never click financial institution email links. I type the site by hand.

In rare cases I have quadruple checked a link before copying and pasting it myself.
by boglebill
Fri Mar 30, 2012 11:02 am
 
Forum: Personal Consumer Issues
Topic: Fidelity password security policies
Replies: 27
Views: 4598

Re: Fidelity password security policies

Or option 3) Only store the number hash, and convert the password you type in on the website to the number version, then hash that to compare. It seems they only store the number hash as you can log on to the website using the phone pad numbers as your password. Hadn't thought about that, but also ...
by boglebill
Fri Mar 30, 2012 10:43 am
 
Forum: Personal Consumer Issues
Topic: Fidelity password security policies
Replies: 27
Views: 4598

Re: Fidelity password security policies

Not having worked for Fidelity or seen the code, I can't say for certain. But I do have (blind) faith that they aren't storing plain text data like that. As a technologist, my guess is that there are TWO hashes. 1) Direct match - Very sensitive. 2) Phone match - Arguably more loose. Since you typed ...
by boglebill
Fri Mar 30, 2012 9:35 am
 
Forum: Personal Consumer Issues
Topic: Fidelity password security policies
Replies: 27
Views: 4598

Re: Dating and Personal Finances... How important to you?

There was a girl I was pretty serious about. Personal finance is an area that interests me. Somehow I asked her if she had looked at her credit report - and she said that she had never looked at it! She owned a home and had a car note, so she assumed her credit was ok. Sure, in the back of my mind i...
by boglebill
Thu Mar 08, 2012 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Dating and Personal Finances... How important to you?
Replies: 57
Views: 3277

Re: Prepaid tuition?

The Florida prepaid plan has been absolutely ruined by Florida lawmakers. The current cost is over $50k for a single child. 3-4 years ago this would have been $14k. In the past 3-4 years they have raised costs at the maximum levels, as well as invent fees such as "differential" to bring in...
by boglebill
Wed Feb 22, 2012 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Prepaid tuition?
Replies: 27
Views: 2238

Re: Fidelity Brokerage account

Yes, you can!

Look at the bottom of this link for routing information:
http://personal.fidelity.com/products/c ... osit.shtml
by boglebill
Tue Feb 07, 2012 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Brokerage account
Replies: 5
Views: 609

Re: My Inheritence, Your Opinions

I'm not the smartest tool in the shed ... I can't wrap my head around how OP can afford to pay 450k in mortgages and support a family of 5 on stated salary.
by boglebill
Sat Jan 07, 2012 8:31 am
 
Forum: Investing - Help with Personal Investments
Topic: My Inheritence, Your Opinions
Replies: 50
Views: 3397

Re: Saver vs Spender marriage, single income, budget, goals-

I have enjoyed reading this thread since yesterday. I was taken back how Poster talked about his wife - it made her sound like an ugly person. We all need to realize that this is his side of the story. Reading the entire post, it seems restrictive the way things for the children are included in her ...
by boglebill
Thu Jan 05, 2012 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Saver-Spender marriage, single-income, budget -- SHORTENED!
Replies: 97
Views: 8659

Re: Should I sell my truck or keep it?

The S10 is the perfect size utility truck --- yard trash, bikes, large purchase items ... My 1998 S10 is running very well. I am the original owner, original clutch, over 150k miles. We had it as a 3rd vehicle for several years. I ended up buying a full size and gifted the S10 to a relative. Most th...
by boglebill
Tue Jan 03, 2012 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Should I sell my truck or keep it?
Replies: 25
Views: 1480

Re: Need advice on Florida real estate problem

My apologies ... just dawned on me that you are the lender, not co-signer.
by boglebill
Tue Dec 27, 2011 11:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice on Florida real estate problem
Replies: 12
Views: 1303

Re: Need advice on Florida real estate problem

As you already know, if you didn't have a legal agreement between the two of you, he is not legally obligated to pay you back. Thinking business-wise: 1) What is market rent? 2) If it were a rental, would you cut bait and take the loss? As far as your son ... qualifying the want to help vs enabling ...
by boglebill
Tue Dec 27, 2011 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice on Florida real estate problem
Replies: 12
Views: 1303

Re: When lendors run your credit...

There is a period of time where mortgage related inquiries do not negatively impact your credit more than a single inquiry.

http://www.myfico.com/crediteducation/c ... iries.aspx
by boglebill
Tue Dec 27, 2011 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: When lendors run your credit...
Replies: 3
Views: 423

Re: My Christmas present to the Bogleheads . .

Thank you for your service.
by boglebill
Mon Dec 26, 2011 10:42 am
 
Forum: Personal Consumer Issues
Topic: My Christmas present to the Bogleheads . .
Replies: 65
Views: 4863
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