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Re: Your Minimum Annual Expenses

$26,192.98.

Retired at the beginning of 2014 and that's what I spent throughout the year. Having no mortgage really helps keep your spending needs low and, consequently, your taxes low.
by furwut
Fri Jan 30, 2015 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Your Minimum Annual Expenses
Replies: 30
Views: 2659

Re: Vanguard RMD Service

Alan S. wrote:
But just like hiring a tax pro, there are many people who benefit from the greater expertise. For RMDs, the same holds true.


Yeah that's me. I use the Vanguard service and totally rely on it being correct as I don't check the math.
by furwut
Wed Jan 28, 2015 10:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard RMD Service
Replies: 14
Views: 1820

Re: How to climb up in a megacorp

Study the biographies of the current management and executives. What is their background? What assignments in the company have they held? Carefully choose and recruit a mentor. Both inside the company and from the industry as well. Let your objectives be known. Above all in every mega corp there are...
by furwut
Fri Jan 23, 2015 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to climb up in a megacorp
Replies: 37
Views: 4879

Re: What age did you pay off your "forever" home

Not yet. Still making payments on the grave plot but having second thoughts. The neighborhood is none too lively.
by furwut
Wed Jan 21, 2015 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you pay off your "forever" home
Replies: 52
Views: 4053

Re: HSA Help

I believe you can take your and your companie's contributions and transfer them to another custodian - one with an investment option of your liking. Because there usually a fee for this transfer many people do it once a year. Let the funds accumulate at your employer's chosen HSA provider and transf...
by furwut
Mon Jan 19, 2015 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Help
Replies: 5
Views: 480

Re: The DOW: An Index I Love to Hate

Despite all the gripes hasn't the DOW's performance closely mirrored the S&P 500?
by furwut
Mon Jan 19, 2015 10:59 am
 
Forum: Investing - Theory, News & General
Topic: The DOW: An Index I Love to Hate
Replies: 27
Views: 1943

Re: How would you respond?

That response sounds to me that it more likely came from the Pimco Bond salesperson and not your subcommittee.
by furwut
Thu Jan 15, 2015 3:30 pm
 
Forum: Investing - Theory, News & General
Topic: How would you respond?
Replies: 25
Views: 2913

Re: Retirees: Do you work part-time for pay?

Just completed my first year of retirement. I currently don't have a PT job but I'm thinking one would be a good idea for the future.
by furwut
Wed Jan 14, 2015 4:22 pm
 
Forum: Personal Consumer Issues
Topic: Retirees: Do you work part-time for pay?
Replies: 58
Views: 4934

Re: Was it a mistake to move into PenFed 5-year CDs a year a

I voted 'Not Sure'. The experiment still has 4 years to run. If interest rates rapidly rise I'll have dry powder to reinvest back into bonds.
by furwut
Mon Jan 05, 2015 11:23 am
 
Forum: Investing - Theory, News & General
Topic: Was it a mistake to move into PenFed 5-year CDs a year ago?
Replies: 55
Views: 4865

Re: Dual Boot Mac Mni

Rest assured the trash can now morphs into an eject button the instant you start to drag an external disk icon. For me life is good within the Apple ecosystem. If you still have access to a Windows computer why not give your Mac Mini a Windows-free trial period first? My bet is that within 30 days y...
by furwut
Tue Dec 30, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Dual Boot Mac Mni
Replies: 17
Views: 1216

Re: Dual Boot Mac Mni

Probably not going to have any heavy usage, mostly web browsing and standard Office apps. Havre you considered using Mac versions of MS Office or Office 365? If your need for this application is truly limited then why go through the complexity and hassle of running a second OS? Still I would get th...
by furwut
Tue Dec 30, 2014 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Dual Boot Mac Mni
Replies: 17
Views: 1216

Re: Roll Call for the Retirement Class of 2014!

Better late than never.

Furwut age 52 retired Jan 7th, 2014.
by furwut
Mon Dec 29, 2014 10:00 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 273
Views: 27634

Re: Dual Boot Mac Mni

The minimum memory of any new Mac Mini is 4GB: https://www.apple.com/mac-mini/specs/ I think that running both operating systems concurrently (i.e Windows in a virtual machine) would require more memory than just running each individually as a booted process. Still you can never have too much memory...
by furwut
Mon Dec 29, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: Dual Boot Mac Mni
Replies: 17
Views: 1216

Re: Any regrets going from iOS to Android phone?

Also, does anyone have any advice about transferring content? I currently plan on using Samsung's Smart Switch App. Thanks. If you have any contacts that have also have iPhones they may have been using iMessage instead of SMS to text you. You will want to research the issue and turn off iMessage be...
by furwut
Wed Dec 03, 2014 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Any regrets going from iOS to Android phone?
Replies: 27
Views: 3426

Re: Unlocking iPhone 6

The Apple website offers the choice T-Mobile/Unlocked. Odd thing is, Apple tells me they are not selling an unlocked phone. I don't know, but I expect they don't want someone to buy it only to send it to some area with high demand for a premium. After talking with T-Mobile they told me they will un...
by furwut
Wed Dec 03, 2014 11:22 am
 
Forum: Personal Consumer Issues
Topic: Unlocking iPhone 6
Replies: 31
Views: 2692

Re: Unlocking iPhone 6

On the Apple website you can buy an iPhone 6 from T-Mobile starting at $649. The phone is unlocked and contract free. It will come with a T-Mobile SIM but you can freely swap that out for a SIM card of another GSM carrier.
by furwut
Tue Dec 02, 2014 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Unlocking iPhone 6
Replies: 31
Views: 2692

Re: POLL: Attitude Towards Risk

I chose A. Certainty has got the be worth something.
by furwut
Wed Nov 26, 2014 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Attitude Towards Risk
Replies: 75
Views: 4038

Re: Last Pass in the Cloud

The master password is the key used in decrypting the password file. If someone is able to obtain your encrpyted password file they can attempt a brute force attack to decrypt it.

Consider using 2-factor authentication for all your sensitive accounts.
by furwut
Wed Nov 26, 2014 1:43 pm
 
Forum: Personal Consumer Issues
Topic: Last Pass in the Cloud
Replies: 28
Views: 2219

Re: HMO out of network question

The HMO offering in my ACA exchange requires a referral to see any non-Hmo doctor.
by furwut
Wed Nov 26, 2014 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: HMO out of network question
Replies: 17
Views: 1148

Re: ACA Horizon BCBS Advantage or Advance EPO Tradeoff Decis

Personally I think we overvalue insurance that allows any doctor, any treatment, anytime.

Have you taken into account the additional cost of PCP referrals, with the cheaper plan, to see the specialists you are now using?
by furwut
Wed Nov 26, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: ACA Horizon BCBS Advantage or Advance EPO Tradeoff Decision
Replies: 15
Views: 1353

Re: ACA exchange or Cobra?

While the ACA simplified insurance shopping somewhat it's still impossible to compare plans on price alone. Limited networks are becoming a "feature" of many plans whether bought on the exchange, privately or through an employer. My former employer just switched providers and many of my co...
by furwut
Mon Nov 24, 2014 6:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA exchange or Cobra?
Replies: 7
Views: 765

Re: ACA exchange or Cobra?

Cobra looks better even with the ACA subsidy if we actually need to use insurance, otherwise ACA is a $5000 saving. It depends on how much medical care you use. With the ACA policy you spend $5400 on medical care before you match what you would have spend just on premium for the Cobra policy. At th...
by furwut
Sun Nov 23, 2014 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA exchange or Cobra?
Replies: 7
Views: 765

Re: ACA exchange or Cobra?

As you've outlined it then (assuming 9 months of coverage starting in the Spring): With the ACA Bronz plan you would pay no premium, due to the subsidy, and a $12,600 deductible before coverage kicks in. Retaining your employer's HDHP under Cobra you would pay 9 x $950 = $8550 plus $5000 deductible ...
by furwut
Sun Nov 23, 2014 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA exchange or Cobra?
Replies: 7
Views: 765

Re: Movie dialog, "The Social Network." Hard to hear?

I think its a combination of aging and movie style. Many directors prefer a more natural sound and leave in too much background sound. As we get older it's harder to pick out conversations from surrounding noise.

I got an Apple TV so that I could switch on close captioning when warranted.
by furwut
Sat Nov 22, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: Movie dialog, "The Social Network." Hard to hear?
Replies: 15
Views: 2698

Re: ACA subsidy and income calculation

I think it's enough to just hope basic enrollment is smooth this year. :happy

Keep in mind that anybody not taking into account legitimate deductions will be credited with the subsidy on the back end when they file their taxes.
by furwut
Sat Nov 22, 2014 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy and income calculation
Replies: 5
Views: 692

Re: Obamacre and solo 401K

OP could have a family.
by furwut
Sat Nov 22, 2014 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obamacare and solo 401K
Replies: 6
Views: 540

Re: Obamacre and solo 401K

See http://laborcenter.berkeley.edu/pdf/201 ... mary13.pdf

I think 401k contributions would be similar to IRAs. Both are deferring your income into the future. The amount you contribute to a 401k (pre-tax) isn't inclued in the W-2 you report.
by furwut
Sat Nov 22, 2014 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obamacare and solo 401K
Replies: 6
Views: 540

Re: best bank for online billpay

I realize most companies offer "pull" e-billing, but I'd rather not log into my ISP's site, utility company, mortgage company, etc - it's much nicer having everything centralized so I can "push" payments out of one account. You can go a bit further and sign up for recurring paym...
by furwut
Sat Nov 22, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: best bank for online billpay
Replies: 24
Views: 2391

Re: Question About Retiring Early and Social Security

Beth,
For Age At Retirement enter 66 years and 6 months not your current age. Also make sure to enter 0 for future earnings.
by furwut
Sat Nov 22, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question About Retiring Early and Social Security
Replies: 10
Views: 2365

Re: POLL: Do you personally own a cell phone?

The industry term is Feature Phone. Such phones can text, maybe email and browse but very awkwardly through propietory apps from the phone maker.
by furwut
Sat Nov 22, 2014 2:52 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 52
Views: 3055

Re: getting umbrella insurance

Beth* wrote:They will generally want to know your occupation. Some occupations are more likely to get sued than others.

I wonder if Doctors might be one of those occupations.
by furwut
Thu Nov 20, 2014 11:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: getting umbrella insurance
Replies: 25
Views: 1590

Re: GAO Concerned your IRA may be too big!

Where this non-traditional assets search might come in is for those who buy individual real estate (not REITS) in their IRA or make plays buying mortgages/loans etc. There is a decent size submarket in self-directed IRAs that hold various assets if internet searches are to be believed. A look at no...
by furwut
Thu Nov 20, 2014 10:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: GAO Concerned your IRA may be too big!
Replies: 25
Views: 5290

Re: smartphone over wifi - still possible?

People - unless his post was worded VERY badly, the TS isn't asking about wifi calling. TS, just buy a used iPhone and put it on whatever carrier you want. Make sure you turn off cellular data. Bingo, only voice access unless you're connected to wifi. Yup. I have an iPhone 4 on an MVNO called H2O. ...
by furwut
Thu Nov 20, 2014 10:49 pm
 
Forum: Personal Consumer Issues
Topic: smartphone over wifi - still possible?
Replies: 31
Views: 3058

Re: GAO Concerned your IRA may be too big!

IRS officials said IRA valuation cases are audit-intensive and difficult to litigate because of the subjective nature of valuation. Additionally, the 3-year statute of limitations for assessing taxes owed can pose an obstacle for IRS pursuing noncompliant activity that spans years of IRA investment...
by furwut
Thu Nov 20, 2014 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: GAO Concerned your IRA may be too big!
Replies: 25
Views: 5290

Re: HMO vs PPO

Question: What DOES one do when traveling Limited networks are a fact of life. Regardless of HMO or PPO for here, within the US, check to see if your plan covers out of network emergency transport and ER treatment. Mine does. Though balance billing could still be an issue. If its not an emergency c...
by furwut
Thu Nov 20, 2014 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: HMO vs PPO
Replies: 16
Views: 1512

Re: HMO vs PPO

My guideline for choosing a medical plan is to look at what medical services I used in the past year and determine what offered plan would best provide that coverage. However - for you I think you should determine under which plan the costs for delivery and new born care would best be covered. Add t...
by furwut
Thu Nov 20, 2014 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: HMO vs PPO
Replies: 16
Views: 1512

Re: How much is saved by taking mass transit to work?

You also should drive at highway speeds twice per month for around 20 minutes. Be generous in giving the car time to warm up after it has been sitting (people should do this anyhow): let it run for 30-60 seconds after starting it and drive very gently for the first 10 minutes or so. @Victoria One s...
by furwut
Thu Nov 20, 2014 8:14 am
 
Forum: Personal Consumer Issues
Topic: How much is saved by taking mass transit to work?
Replies: 51
Views: 5088

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

I always get Turbotax free from Vanguard for being a good customer or whatever they call me. I need schedule D. Will I be able to download whatever Turbotax version that has Sch D from Vanugard for free as usual? Last year, as I recall, amidst all the brouhaha Vanguard provided the online Premier e...
by furwut
Thu Nov 20, 2014 7:52 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 203
Views: 28107

Re: Do I really need a car?

How are US grocery stores on on line order and deliver? I've never used that service but I see the delivery trucks nearly every evening. I suppose for a large order the delivery fee would be reasonable. With grocery stores so close it seems strange that someone couldn't take just an hour a week to ...
by furwut
Wed Nov 19, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Do I really need a car?
Replies: 11
Views: 1119

Re: New teenage driver - which car for insurance

Simple then. Get 3 quotes with your teenager assigned to each vehicle. Choose the lowest. But I think what the insurance company is asking is what vehicle the teenager will principally drive. If is really equal then your choice.
by furwut
Wed Nov 19, 2014 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: New teenage driver - which car for insurance
Replies: 31
Views: 3627

Re: How much is saved by taking mass transit to work?

How much is going to be highly variable depending an individual's situation. The BIG savings is if, by using mass transit, one can reduce the need having a car altogether. Either going from 2 cars down to one or becoming car free. Cars spend 95% or more of their life just sitting. They have high fix...
by furwut
Wed Nov 19, 2014 9:40 am
 
Forum: Personal Consumer Issues
Topic: How much is saved by taking mass transit to work?
Replies: 51
Views: 5088

Re: Question About Retiring Early and Social Security

Use Social Security's AnyPIA Calculator . Step 1: Enter your birth date, date when you expect to start receiving benefits, and set it the report to today's dollars. Step 2: Enter your previous earnings history. You can obtain these figures from your Online Social Security Statement. Step 3: Enter cu...
by furwut
Wed Nov 19, 2014 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Question About Retiring Early and Social Security
Replies: 10
Views: 2365

Re: Do I really need a car?

Yeah give it a try. I'm car free. I retired at 51 with a paid up condo located in the center of a major US city. Within 7 blocks of me I can find every conceivable need or want. I used my bike to commute to my job for the last 20 years. I also lived on a direct train route for those times I didn't w...
by furwut
Wed Nov 19, 2014 9:09 am
 
Forum: Personal Consumer Issues
Topic: Do I really need a car?
Replies: 11
Views: 1119

Re: Save now.... Or later?

While researching something I came across this post from the always informative Finance Buff.

Converting to Roth and Harvesting Capital Gains Under Obamacare Premium Subsidy
by furwut
Mon Nov 17, 2014 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Save now.... Or later?
Replies: 11
Views: 1952

Re: Should I have even $1 in Bonds?

OP, Dirk Cotton, who writes a blog called the Retirement Cafe, made a posting titled "Pigs Love Their Portfolios" about 2 days ago. It addresses your question precisely. My RSS feed captured that post but, for an unknown reason, it is no longer on his site. So I can't link to it and it may...
by furwut
Fri Nov 14, 2014 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I have even $1 in Bonds?
Replies: 34
Views: 4425

Re: Save now.... Or later?

A strategy I'm considering is Capital Gains Harvesting from my taxable account to the top of the 15% bracket. At the top of the bracket I wouldn't qualify for an ACA subsidy but realizing the gain now tax free may be the better deal for me as I'm currently fine with the cheapest ACA plan. After Than...
by furwut
Fri Nov 14, 2014 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Save now.... Or later?
Replies: 11
Views: 1952

Re: Should I have even $1 in Bonds?

Unless your motive for the money is to bequeath it in its entirety you're still going to be spending some of it. Historically portfolios that have some bonds have a higher safe withdrawal rate than those without.
by furwut
Fri Nov 14, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I have even $1 in Bonds?
Replies: 34
Views: 4425

Re: Individual stocks in retirement portfolio?

It would interesting to go back to the advisor and ask what attributes he sees in you that makes him believe you will be a superior stock picker.

Maybe he was wants to "help".
by furwut
Thu Nov 13, 2014 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Individual stocks in retirement portfolio?
Replies: 14
Views: 691

Re: Dividend yield from 60/40 stocks/bond

And if that's what you had asserted to begin with I might have pointed out total return vs. yield, but we would have had no further disagreement. My problem was your saying, here, on a public forum plenty of non-registered people come to for insights, that S, whatever we contend it stands for, WR =...
by furwut
Wed Nov 12, 2014 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend yield from 60/40 stocks/bond
Replies: 16
Views: 1668
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