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Re: More in equities as you age ?

Search for rising equity glide path. Plenty of discussion.
by furwut
Wed Oct 22, 2014 8:21 pm
 
Forum: Investing - Theory, News & General
Topic: More in equities as you age ?
Replies: 9
Views: 585

Re: 2015 ACA renewal

12.5% increase here for my Blue Cross Bronze. Plan on reviewing the options when enrollment opens 11/15.
by furwut
Wed Oct 22, 2014 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 ACA renewal
Replies: 6
Views: 404

Re: iPad Air 2 - 16 or 64 Gig?

Bought my wife the older first retina iPad with only 16GB. It was a pain to upgrade to IOS 8.0 because it required 5GB of free space. That meant deleting all the music and many apps. FYI, You can avoid that hassle by connecting the device to a PC running iTunes. That's the approach I'll be using wh...
by furwut
Wed Oct 22, 2014 12:54 pm
 
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 16
Views: 852

Re: You may be getting charged rent for a router/modem you o

Have you considered just buying an antenna for the broadcast stations? I've "cut the cord" entirely and only watch via antenna, but it's a much better HD picture than Comcast offers (because no compression). I've tried once. Couldn't get anything. I live in the SE corner of a large apartm...
by furwut
Wed Oct 22, 2014 12:14 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 30
Views: 2933

Re: iPad Air 2 - 16 or 64 Gig?

Even if you don't take lots of photos or load movies app sizes themselves are growing. Beautiful large screens like lots of large graphic images.
by furwut
Wed Oct 22, 2014 10:59 am
 
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 16
Views: 852

Re: Debit Card was hacked. Should I just use cash from now

I mostly use a credit card. But I do maintain a high yield checking account which requires that I use its card 10 times a month. Whenever I use the card I always elect to do it as a credit transaction. I never do debit nor supply the PIN. If the merchant were compromised and my card number (but not ...
by furwut
Sun Oct 19, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 54
Views: 3203

Re: Upgraded to OS X 10.10 Yosemite

While I feel for you, there typically isn't a requirement to upgrade. Apple typically continues to role out security updates for two or so releases back. Nothing wrong with sticking with Snow Leopard, Mountain Lion, or Mavericks. And yes, I skipped over Lion. If you are using that, move to ML ASAP ...
by furwut
Sat Oct 18, 2014 12:12 pm
 
Forum: Personal Consumer Issues
Topic: Upgraded to OS X 10.10 Yosemite
Replies: 33
Views: 3570

Re: What is common for a severance package?

ThankYouJack wrote:Thanks for the replies.

Does the week per year of pay often include total compensation (bonus, stock options, and other benefits)?


Usually just base salary. Why not wait for the offer? Christmas can't come soon enough?
by furwut
Wed Oct 15, 2014 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: What is common for a severance package?
Replies: 25
Views: 1807

Re: What is common for a severance package?

Since your wife is probably an "at will" employee any severance is just a good will gesture done in hope of maintaining morale among the remaining workers. There will be a formula of weeks of pay per years of service. But also look for ancillary benefits. Some of these may be negotiable. J...
by furwut
Wed Oct 15, 2014 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: What is common for a severance package?
Replies: 25
Views: 1807

Re: Retirement pension options -- CONFUSED!

I have no savings...no 401k. ... I suspect your question really should be where do you want to go and how can you get there? There is a format to getting much broader advice which is what I suspect is what you really need at this point. Then, in that context, how to handle the pension offer can be ...
by furwut
Tue Oct 14, 2014 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement pension options -- CONFUSED!
Replies: 15
Views: 1241

Re: You may be getting charged rent for a router/modem you o

Way back in the 90s when I first got on the internet I used the Comcast supplied modem. I had heard from colleagues that if there were any problems and you weren't using one of their modems Comcast would not do any trouble shooting until you first replaced the modem. After 2 months with everything w...
by furwut
Tue Oct 14, 2014 5:41 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 30
Views: 2933

Re: You may be getting charged rent for a router/modem you o

For those who only have internet through comcast and no television service, make sure you are not being charged an "HD" fee. They add this few dollar fee on to your bill as a default and will only remove if you call them. I've refused to pay the HD fee and for many years got the basic bro...
by furwut
Tue Oct 14, 2014 5:27 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 30
Views: 2933

Re: lump sum now vs pension later?

According to the SSA Life Expectancy Calculator a male aged 45 (born 10/12/1969) has a life expectancy of only 82.0. But that's median right? So half the people live longer. And in 40 years there's no telling what advances in medical sciences will bring. If the age 55 & 65 calculations are clos...
by furwut
Mon Oct 13, 2014 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: lump sum now vs pension later?
Replies: 39
Views: 3459

Re: Health Insurance - Retiree questions

Hexdump wrote:For some reason we make the payment to Conexis.



Yeah - I'm currently making payments to Conexis for my COBRA continued dental. Conexis handles the COBRA election and premium collection for many employers.
by furwut
Mon Oct 13, 2014 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - Retiree questions
Replies: 12
Views: 1533

Re: Health Insurance - Retiree questions

I don't think I'm going too far out on a limb in predicting that a $250/mo plan ($3000/yr) is very different, on more than price, than an $8000/yr plan. I elected to do a HDHP+HSA ($250/mo) rather than continuing coverage as a retiree ($450/mo). I reasoned that since I was still relatively young and...
by furwut
Mon Oct 13, 2014 9:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - Retiree questions
Replies: 12
Views: 1533

Re: The Most Serious Threat When Using Credit: You [NYT Arti

Thanks prudent. I looked for a similar posting and didn't see it.

Oh -and the thread got locked anyway. I will ask the mod to lock this as well.
by furwut
Sat Oct 11, 2014 2:07 pm
 
Forum: Personal Consumer Issues
Topic: The Most Serious Threat When Using Credit: You [NYT Article]
Replies: 4
Views: 606

The Most Serious Threat When Using Credit: You [NYT Article]

The Most Serious Threat When Using Credit: You But this is also a good time to remind ourselves that we often worry too much about the wrong things. The biggest threat to our financial lives is probably not that thieves will get their hands on our payment card information. Instead, we should concer...
by furwut
Sat Oct 11, 2014 1:50 pm
 
Forum: Personal Consumer Issues
Topic: The Most Serious Threat When Using Credit: You [NYT Article]
Replies: 4
Views: 606

Re: Why choose a LifeStrategy Fund?

I'm currently using the 3 fund approach for tax location reasons. But I can see a day when the even simpler approach of Life Strategy wins me over. That day may be when I implement a liability matching portfolio (LMP) and use Life Strategy for the remainder. ObliviousInvestor uses Life Strategy: Are...
by furwut
Sat Oct 11, 2014 11:58 am
 
Forum: Investing - Theory, News & General
Topic: Why choose a LifeStrategy Fund?
Replies: 41
Views: 3453

Re: Couch Surfing

FYI

Warm Showers is a similar organization for traveling cyclists.
by furwut
Thu Oct 09, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5193

Re: Should I buy a condo on the GROUND FLOOR?

But my second-floor neighbor recently installed hardwood floors throughout her unit, and now the unit owner below her can hear every step she takes. He can even hear her telephone conversations. He's tried injecting foam insulation into the space above his ceiling, and while this has helped a littl...
by furwut
Mon Oct 06, 2014 6:01 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a condo on the GROUND FLOOR?
Replies: 50
Views: 4939

Re: Should I buy a condo on the GROUND FLOOR?

Security and privacy are two reasons the ground floor is less desirable. When it comes time to resell many buyers won't even consider such units.
by furwut
Sat Oct 04, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a condo on the GROUND FLOOR?
Replies: 50
Views: 4939

Re: Enrollment process is a mess

We went thru something similar with Kaiser. Their entire enrollment system is overwhelmed. It took some time to straighten it out. KP has been great for us since then. They're not the only ones. I bought a 2 month policy from Aetna last year canceling it when I enrolled via the exchange on Jan 1. Y...
by furwut
Fri Oct 03, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Care/ACA question about losing coverage
Replies: 19
Views: 1091

Re: confronting a coworker

Maybe, for next year, sit down ahead of time and come to an agreement?

Flip a coin and winner selects a holiday then alternate selecting vacation periods. Following year loser starts first.
by furwut
Fri Oct 03, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: confronting a coworker
Replies: 44
Views: 3588

Re: Possible Uninsured Motorist accident

I know, $1000 isn't chump change. And I know this incident is fresh in your mind, and stuck in your craw. But that extra $500 in coverage isn't worth the extra annual premium, IMO. Agree. Insurance is best for handling large unexpected expenses. Ask yourself if you are hurt by having suffered a $10...
by furwut
Fri Oct 03, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3363

Re: Health Care/ACA question about losing coverage

Sounds like a bureaucratic mix up. Stay on top if it and make sure you get it resolved in your favor BEFORE the COBRA 60 window expires. But to answer your original question - yes loss of coverage is a qualifying event that entitles (requires?) you to purchase individual insurance outside of the nor...
by furwut
Fri Oct 03, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Care/ACA question about losing coverage
Replies: 19
Views: 1091

Re: Yet Another Pension Buyout Scenario

+1 with the other posters. OP should focus on securing their own retirement. While its understandable and laudable you want to continue helping your son financially now think how you might feel, 20 years in the future, if you become financially stressed to the point your son has to begin helping you...
by furwut
Fri Oct 03, 2014 8:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Yet Another Pension Buyout Scenario
Replies: 42
Views: 2575

Re: Three fund allocation per Vanguard Flagship CFP?

At age 84 have you considered purchasing an immediate annuity to provide the desired income (45k) and investing the rest for principal preservation?

P.S. - I like House Blends 1 fund suggestion. At some point simplicity is worth a few extra basis points.
by furwut
Fri Oct 03, 2014 8:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Three fund allocation per Vanguard Flagship CFP?
Replies: 45
Views: 4658

Re: Possible Uninsured Motorist accident

Sounds like you only have Uninsured Motorist Bodily Injury (UMBI) coverage and NOT Uninsured Motorist Property Damage (UMPD) coverage. I don't believe either of these coverages are sold with deductibles so if you had UMPD it would cover you starting with the first dollar of loss. http://www.thet...
by furwut
Wed Oct 01, 2014 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3363

Re: Cricket wireless experience

I have rarely found a network where you could make a WiFi call on Republic that was of adequate quality. Most times the other party complains of crackling or echoing. I saw it as mostly as calling from home over your personal network. For those who have dropped the land lane. Maybe you could try be...
by furwut
Mon Sep 29, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 1984

Re: Cricket wireless experience

Browser wrote:I've never figured out why you would want Republic Wireless, since you're locked into their phones.


Republic phones have the feature of Wi-Fi calling over a wireless network.
by furwut
Mon Sep 29, 2014 10:16 am
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 1984

Re: Water Faucet Aerators

What about an over the tab filtration system? Brita perhaps.
by furwut
Mon Sep 29, 2014 9:37 am
 
Forum: Personal Consumer Issues
Topic: Water Faucet Aerators
Replies: 3
Views: 595

Re: How Long Should I Keep My Car?

and the only way to get to and from work is by car


I don't know where you live but, sadly, this is easily true in too much of the country. But I can't tell you who many people say that to me (I've been car-free 10 years) who, it turn out, live right along a major bus line.
by furwut
Sun Sep 28, 2014 6:05 pm
 
Forum: Personal Consumer Issues
Topic: How Long Should I Keep My Car?
Replies: 50
Views: 4086

Re: How Long Should I Keep My Car?

I think, if you read the various reviews, you can find a model of car that should be reliable for many more years & miles. Just keep up with the maintenance. Any auto mechanic will tell you that most breakdowns are the result of drivers failing to perform the needed upkeep on the vehicle. You sh...
by furwut
Sun Sep 28, 2014 6:01 pm
 
Forum: Personal Consumer Issues
Topic: How Long Should I Keep My Car?
Replies: 50
Views: 4086

Re: Tax loss harvest

How I wish I had been reading this forum back in 2008! :oops: For my understanding the TLH strategy is best when you can apply the loss against taxable income - correct? But you can only apply $3000/yr that way. Mostly what you are doing is using the capital losses to defer paying capital gains furt...
by furwut
Sun Sep 28, 2014 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest
Replies: 8
Views: 476

Re: Lump Sum Package With Details

Immediate annuities will give you an online quote for a 10 year deferred annuity which is close enough. I got a quote for a 54 year old female living in FL (which is where all Barefootgirls reside don't they?). To replace your pension payout starting at age 65 we are talking around $200,000. You ca...
by furwut
Fri Sep 26, 2014 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Package With Details
Replies: 29
Views: 1993

Re: Lump Sum Package With Details

2 years your junior big Sis :) I think the question you should be asking is can I take the lump sum offered today and buy a deferred annuity starting at age 65 that will be more than the $1515/mo the pension would give. Immediate annuities will give you an online quote for a 10 year deferred annuity...
by furwut
Fri Sep 26, 2014 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Package With Details
Replies: 29
Views: 1993

Re: Lump Sum Package With Details

Do you also have the option to just take your pension at your normal retirement date? The reason I ask is that when you receive a pension payout in advance of your normal retirement date the amount is actuarially reduced. In my case the discount rate was 5%. So they way i see it by waiting until ag...
by furwut
Fri Sep 26, 2014 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Package With Details
Replies: 29
Views: 1993

Re: Lump Sum Package With Details

Do you also have the option to just take your pension at your normal retirement date? I just received a lump sum option from my employee as well. 'Tis the season … In my exit interview I remember talking with our benefits coordinator about these lump sum offers. He intimated they were always in the ...
by furwut
Fri Sep 26, 2014 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Package With Details
Replies: 29
Views: 1993

Re: Order of investing

Yes - always contribute enough to max out any employee match. As for the rest - it depends on your guess of what your future tax rate will be when you begin withdrawals in retirement versus your marginal tax rate today. Vanguard's view, I believe, is that some tax diversification amongst your retire...
by furwut
Fri Sep 26, 2014 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Order of investing [Prioritizing Investments]
Replies: 11
Views: 1113

Re: Should I get an HSA?

What to invest in? How does one go about deciding whether to invest in equity mutual funds in the HSA vs. a combo of equity and fixed? I have my emergency fund of course but you never quite know if it would be enough for a major health emergency. Surely this is a personal decision but do Bogleheads...
by furwut
Fri Sep 26, 2014 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I get an HSA?
Replies: 17
Views: 1047

Re: About to Retire, Need Help!

Suggest you also strategize when to claim Social Security.

There is software available, for something like $50, that will get you the best answer.
Can't recall the name but I may post back later with it.
by furwut
Sun Sep 21, 2014 10:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: About to Retire, Need Help!
Replies: 25
Views: 3080

Re: About to Retire, Need Help!

Which accounts should they withdraw from first, Roth or non-Roth?


The rule of thumb is Taxable --> Tax Deferred --> Tax Free.

But circumstances may dictate a different approach in order to achieve optimal tax mitigation.
by furwut
Sun Sep 21, 2014 3:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: About to Retire, Need Help!
Replies: 25
Views: 3080

Re: About to Retire, Need Help!

Do you think it will be safe for them to withdraw 4% of their portfolio each year (about $30,000), assuming that I don't want them to leave an inheritance?


I'm from the Wade Pfau school of Safe Withdrawal Rate. 3% is the new 4%.
by furwut
Sun Sep 21, 2014 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: About to Retire, Need Help!
Replies: 25
Views: 3080

Re: About to Retire, Need Help!

I recommend sitting down with them and going over their current expenses item by item. Everybody going into retirement should have a detailed budget prepared. Every recurring expense should be examined and re-justified. At some point, maybe a year or so, give some thought to down-sizing the primary ...
by furwut
Sun Sep 21, 2014 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: About to Retire, Need Help!
Replies: 25
Views: 3080

Re: Interesting data on large ("Romney size") IRAs

He certainly gamed the contribution limits. Next question is to what end? At the time the size of his IRA was revealed didn't Romney state that his eventual purpose was to pass it on to his heirs? For someone of his wealth estate taxes will be large. Is an IRA included in the valuation of the estate...
by furwut
Sat Sep 20, 2014 3:02 pm
 
Forum: Investing - Theory, News & General
Topic: Interesting data on large IRAs
Replies: 14
Views: 1428

Re: So what the benckmark SWR for a 25 year retirement?

So if 4% is the benchmark for planning purposes for a 30 year retirement ... In any event the classic 4% rule should be used as a starting point and not the final determiner. Wade Pfau, among others, have raised legitimate concerns that this rule, going forward, may not hold given our current marke...
by furwut
Sat Sep 20, 2014 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: So what the benckmark SWR for a 25 year retirement?
Replies: 14
Views: 967

Re: The Roosevelts, PBS special

I have a "Smart TV" with a Web Browser and I just pulled up this series and can stream it. I would imagine that Chromecast is nothing more than a Web Browser. Correct? Chromecast is a HDMI dongle that plugs into the back of your TV. It connects to a wireless network and you can use apps l...
by furwut
Thu Sep 18, 2014 7:01 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 104
Views: 8521

Re: The Roosevelts, PBS special

Leesbro63 wrote:I recorded it. Correct me if I am wrong...I got 30 minutes of actual Roosevelt show, and 15 minutes of how great Ken Burns is and 15 more of PBS begging. Am I missing something?


Yup. Each episode is 2 hours. Your timing must have been off. Seems like you got 1/2 hour of promo talk.
by furwut
Mon Sep 15, 2014 5:37 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 104
Views: 8521

Re: The Roosevelts, PBS special

You can stream all the episodes from PBS thru 9/28. I just got an Apple TV this weekend so I'm looking forward to using the AirPLay feature to throw the stream from my iPad onto my TV. It gets me a much better picture than me just watching the scheduled broadcast through Comcast. Comcast will only g...
by furwut
Mon Sep 15, 2014 5:35 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 104
Views: 8521

Re: Need advice on which tablet to buy

If you like your original iPad, I would recommend just buying a new iPad. Agree. My sister has been a big Kindle fan. Has bought just about every single model that has ever come out (they are stacked around the house like kindling!). Buys them as Christmas gifts for others. Then she bought my niece...
by furwut
Fri Sep 12, 2014 5:51 pm
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 44
Views: 2661
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