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

Numismatics, geology, history and collecting European and American historical artifacts.
by enebyberg
Tue Apr 08, 2014 8:15 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 13049

Re: Anti-virus for Mac?

There are very few virus problems with Macs compared to Windows. I use Avast! on my Mac. Give Avast! a try. It's free.
by enebyberg
Fri Mar 14, 2014 10:05 am
 
Forum: Personal Consumer Issues
Topic: Anti-virus for Mac?
Replies: 80
Views: 4333

Re: New Toyota Sienna vs Used

We have a 2008 Sienna XLE and moved from the US to Sweden in 2009. Long and sometimes harsh winters. We use four snow tires during the winter and have never felt the need for an AWD. I would suggest looking into four winter snow tires instead of AWD. You will save a lot on maintenance as the car get...
by enebyberg
Wed Feb 26, 2014 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: New Toyota Sienna vs Used
Replies: 17
Views: 1436

Nobel winner 100% in index funds

I read a Reuters article about Eugene Fama, winner of the Nobel Prize and teacher at the University of Chicago. He talks about the risk of a global recession and states that he is 100% in index funds. http://www.reuters.com/article/2013/12/07/sweden-nobel-idUSL5N0JM04B20131207 Fama's theory implied ...
by enebyberg
Fri Dec 13, 2013 3:21 am
 
Forum: Investing - Theory, News & General
Topic: Nobel winner 100% in index funds
Replies: 9
Views: 1661

Re: Paper ibonds conversion to electronic

Possibility of an EMP.
by enebyberg
Tue Nov 05, 2013 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paper ibonds conversion to electronic
Replies: 16
Views: 1345

Re: Parents close to retirement

I would recommend that you visit this website. It compares taxes in all 50 States and allows you to click on a state and find more information on sales tax, property tax, income tax, etc. It does show that Nebraska is one of the worst tax States to retire in. Good Luck! http://www.kiplinger.com/tool...
by enebyberg
Mon Oct 07, 2013 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Parents close to retirement
Replies: 10
Views: 1272

Re: Have you ever been to Charleston, SC?

We went last year the week before Christmas. Our kids were 8, 12 and 14. The weather was sunny and high 50's. Had a great visit. What a beautiful place and very historic. Here's what we did on our visit... Things to do in Charleston Charleston Waterfront Park Concord Street, Charleston, SC 29401 Col...
by enebyberg
Tue Oct 01, 2013 3:06 pm
 
Forum: Personal Consumer Issues
Topic: Have you ever been to Charleston, SC?
Replies: 16
Views: 1006

Re: best credit card for airline mile

I use Capital One Venture Card. Rewards flights can be privately booked and then reimbursed by them to your card (canceling out your airline cost on your credit card statement) or booked directly through Capital One link to Travelocity. I have found their prices very reasonable. MOST IMPORTANT: Capi...
by enebyberg
Tue Oct 01, 2013 7:15 am
 
Forum: Personal Consumer Issues
Topic: best credit card for airline mile
Replies: 17
Views: 1912

Re: Buying a Fixed Annuity.

$1,350,000 at 4% withdrawal rate would give you $4,500 a month for life.
by enebyberg
Thu Sep 26, 2013 7:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying a Fixed Annuity.
Replies: 15
Views: 840

Re: Is there a low cost 50/50 fund?

Bogle101 wrote:Buy Wellesley Income and call it a day


Or you could do a 50/50 split of both Wellesley and Wellington.
by enebyberg
Wed Sep 25, 2013 9:58 am
 
Forum: Investing - Theory, News & General
Topic: Is there a low cost 50/50 fund?
Replies: 38
Views: 2903

Re: "Chip" credit card for foreign travel

Just ask Capital One. They will send you a chip card that works fine in the US and in Europe without problems. Capital One is the only card that doesn't charge a percentage of 1% to 3% on overseas transactions. I've used one for quite a while in both the US and Europe.
by enebyberg
Sat Sep 21, 2013 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Chip" credit card for foreign travel
Replies: 98
Views: 13139

Re: $1M Settlement - Lump Sum or Annuity?? Taxable AA???

My wife works and usually brings in from 50k to 72k a year. She will continue to work for at least another 12+ years.
by enebyberg
Fri Sep 20, 2013 6:54 am
 
Forum: Investing - Help with Personal Investments
Topic: $1M Settlement - Lump Sum or Annuity?? Taxable AA???
Replies: 17
Views: 2629

Re: $1M Settlement - Lump Sum or Annuity?? Taxable AA???

This is a lot to think through. Thanks for insight. The final figures have not come to me and are being finalized as part of discovery in the case. The figures I give are the approximate figures that have been given to me. They might be slightly higher on both ends. Our kids are looking at State uni...
by enebyberg
Fri Sep 20, 2013 1:16 am
 
Forum: Investing - Help with Personal Investments
Topic: $1M Settlement - Lump Sum or Annuity?? Taxable AA???
Replies: 17
Views: 2629

Re: $1M Settlement - Lump Sum or Annuity?? Taxable AA???

Are your future medical expenses going to be high and take a majority of the settlement? No one knows at this time. They might be $250,000, and they might not be. I do have a catastrophic coverage plan that will cover most of the costs if things get out of hand. Plus my current plan that covers 90%...
by enebyberg
Thu Sep 19, 2013 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: $1M Settlement - Lump Sum or Annuity?? Taxable AA???
Replies: 17
Views: 2629

Re: 1M$ Settlement - Lump Sum or Annuity?? Taxable AA???

Thanks for the insight and ideas to check out going forward. The final details won't be fully known until October but I need to know how to respond when the final numbers are in. I sure don't want to make mistakes with 529's or financial aid down the road. Good thing they are still 3 years away from...
by enebyberg
Thu Sep 19, 2013 7:07 am
 
Forum: Investing - Help with Personal Investments
Topic: $1M Settlement - Lump Sum or Annuity?? Taxable AA???
Replies: 17
Views: 2629

Re: 1M$ Settlement - Lump Sum or Annuity?? Taxable AA???

Thank you for the replies!! I do have a small 529 plan set up for the kids but it will only get them through the first year at this point. I am also concerned how schools will look at us if we apply for scholarships. I thought they might view us differently because the settlement must also cover pre...
by enebyberg
Thu Sep 19, 2013 12:55 am
 
Forum: Investing - Help with Personal Investments
Topic: $1M Settlement - Lump Sum or Annuity?? Taxable AA???
Replies: 17
Views: 2629

Re: 1M$ Settlement - Lump Sum or Annuity?? Taxable AA???

The time period has yet to be finalized. They are talking 20 to 22 years.
by enebyberg
Wed Sep 18, 2013 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: $1M Settlement - Lump Sum or Annuity?? Taxable AA???
Replies: 17
Views: 2629

$1M Settlement - Lump Sum or Annuity?? Taxable AA???

I have a Workman’s Comp settlement coming to a close that will be between $750,000 and $1.25 million tax-free depending on if I take a lump sum pay out or a structured settlement (20-22yrs). I would like to continue working but only 30-50%, but maybe not. 1. Any thoughts on the lump sum vs. structur...
by enebyberg
Wed Sep 18, 2013 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: $1M Settlement - Lump Sum or Annuity?? Taxable AA???
Replies: 17
Views: 2629

Re: Dedicated e-mail device for Mom (90)

MacBook Air. You can't get lighter or easier to use.
by enebyberg
Tue Sep 03, 2013 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Dedicated e-mail device for Mom (90)
Replies: 21
Views: 1712

Re: re: going to Bryce/Zion (and a bit of Vegas)

Both Bryce and Zion are well worth the visit. Bring plenty of water for the hike down to the bottom in Bryce. In Zion... don't miss Angel's Landing hike (scary but worth it) and don't miss hiking up in the Narrows. Your shoes will get wet when hiking up the river but the views are so worth it. Allow...
by enebyberg
Fri Aug 16, 2013 5:57 am
 
Forum: Personal Consumer Issues
Topic: re: going to Bryce/Zion (and a bit of Vegas)
Replies: 42
Views: 2677

Re: 2014 trip to Europe

1. Any thoughts on cheapest airports to fly in and out of? The cheapest airports serviced by Ryanair and similar will not give you the upgraded business class you are looking for and often put you into airports that are not easy to travel from. 2. Can we avoid a rental car? Trains, buses, etc work f...
by enebyberg
Sun Jul 14, 2013 3:33 pm
 
Forum: Personal Consumer Issues
Topic: 2014 trip to Europe
Replies: 44
Views: 3642

Re: Minivan - odyssey EX-L(ent) vs sienna XLE + ent

We had the same choice a couple of years ago and ended up with the Sienna XLE. We went with two iPads instead of the Entertainment System. The kids use them all the time. We e-mailed a wish list to all the Toyota and Honda dealerships within 100 miles of our location. In the end, we went with the de...
by enebyberg
Sun Jun 16, 2013 9:45 pm
 
Forum: Personal Consumer Issues
Topic: Minivan - odyssey EX-L(ent) vs sienna XLE + ent
Replies: 21
Views: 3148

Re: Help w/ investing in Taxable accounts [US citizen in Swe

I also live in Sweden and file US taxes with the Foreign income tax credit. I have a Roth IRA set up at Vanguard plus I contribute to taxable accounts through Vanguard.
by enebyberg
Tue May 07, 2013 7:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ investing in Taxable accounts [US citizen in Sweden]
Replies: 20
Views: 925

Re: Cash - do you keep a stash on hand?

I try to keep $1500 at home in $20s, $10s, $5s and $1s kept in the home safe and a $20 bill and $10 in coins in each car.
by enebyberg
Fri Mar 15, 2013 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash - do you keep a stash on hand?
Replies: 83
Views: 6165

Re: Sienna 2013 AWD. MSRP $33,700.

We have a 2008 Sienna XLE FWD and have been using Nokian Hakkapeliitta Winter tires on all four wheels from November 15 to March 15 in the mountains of Colorado. It works really well and I would say that combination is equal to friends with Sienna AWDs that are driving on four season radials. Three ...
by enebyberg
Thu Feb 14, 2013 4:37 pm
 
Forum: Personal Consumer Issues
Topic: Sienna 2013 AWD. MSRP $33,700.
Replies: 22
Views: 2684

Re: do you charge everything to 1 credit card?

Capital One Venture Rewards. The points give me one free round trip to Europe every year and it is THE ONLY credit card that doesn't charge a percentage when using it overseas. The only card to have for out of the country travel.
by enebyberg
Thu Feb 07, 2013 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: do you charge everything to 1 credit card?
Replies: 60
Views: 3749

Re: Taxmagedon - Where to hide!

Great post!! Thanks for all the information in an easy to digest format. Much appreciated.
by enebyberg
Fri Nov 09, 2012 3:19 am
 
Forum: Investing - Theory, News & General
Topic: [looking for tax advantaged space]
Replies: 18
Views: 2330

Re: Moving Internationally - Recommend Shipping Companies?

We did our last move to Europe through Dove Shipping in 2009. Totally pleased to work with them. http://www.doveshipping.com
by enebyberg
Tue Oct 23, 2012 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Moving Internationally - Recommend Shipping Companies?
Replies: 2
Views: 190

Re: Getting cash abroad with low fees

Another thumbs up on the Capital One card. I've lived overseas for 19 years and it's the only card I use.
by enebyberg
Tue Oct 09, 2012 2:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting cash abroad with low fees
Replies: 26
Views: 1995

Re: Jack Bogle on CNBC

by enebyberg
Mon Oct 08, 2012 6:58 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle on CNBC
Replies: 22
Views: 2000

Re: Portfolio Overhaul Needed at 58

50/50 is fine Managed funds you have manager risk(but the ones you listed have done great) Balanced funds harder to keep your AA All one portfolio, bonds in tax Deffered John I am grateful for your help. I have already taken the first steps to balance my portfolio. Do you have any suggestion on my ...
by enebyberg
Tue Oct 02, 2012 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Overhaul Needed at 58
Replies: 6
Views: 785

Re: Portfolio Overhaul Needed at 58

Bonds belong in your tax Deffered http://www.bogleheads.org/wiki/Principles_of_Tax-Efficient_Fund_Placement Try 3 fund portfolio http://www.bogleheads.org/wiki/3-fund_portfolio Good luck John Consider the 3 fund portfolio discussed at length in the following thread: http://www.bogleheads.org/forum/...
by enebyberg
Tue Oct 02, 2012 11:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Overhaul Needed at 58
Replies: 6
Views: 785

Portfolio Overhaul Needed at 58

I feel it is time to move towards a safer asset allocation. At 58, I’m moving closer towards retirement. My portfolio needs an overhaul. I do not want a repeat of 2008. Thanks for your input. ahead of time. Emergency funds: Yes - 6 months Debt: 125,000 mortgage (10 years left at 3.4%) (planning to s...
by enebyberg
Tue Oct 02, 2012 7:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Overhaul Needed at 58
Replies: 6
Views: 785

Re: best flying point credit card

I use the Capital One Venture card for all of my international travel. Not only is it great for miles that can be used on any airline, but it is the only credit card company that does not charge a 2-3% extra on purchases made outside of the USA. That saves a lot of money across the board on hotels, ...
by enebyberg
Sun Sep 30, 2012 8:44 am
 
Forum: Personal Finance (Not Investing)
Topic: best flying point credit card
Replies: 19
Views: 1599

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