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Re: What if you already have a couple million?

Most people who accumulate $2 million by age 40 or 50 are unlikely to be happy retiring on $2 million at age 40 or 50. Mr. Money Mustache notwithstanding, people who accumulate those assets at those ages frequently have high incomes and at least somewhat of a lifestyle to match. They're not living o...
by letsgobobby
Tue Mar 03, 2015 2:54 am
 
Forum: Investing - Help with Personal Investments
Topic: What if you already have a couple million?
Replies: 26
Views: 2879

Re: done so soon? Firecalc says so

thanks, all. BTW vg will account for taxes in their plan. Fircalc doens't account for anything. ah, taxes. Knew I forgot something. :oops: It could be true particular if SS benefits are 1X by themselves. :) Ha, far from it! You'll have to ask my wife and kids why this is. I haven't looked at FC for ...
by letsgobobby
Sun Mar 01, 2015 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: done so soon? Firecalc says so
Replies: 15
Views: 1812

done so soon? Firecalc says so

Using the following parameters: Current Portfolio: 20X; Portfolio: total market, 60% equities, 40% fixed income. annual income needed: X Start retirement: 2020 Retirement duration: 40 years Annual contributions between now and 2020: 1.2X Firefox says I have a 100% success rate over 104 cycles. Is th...
by letsgobobby
Sun Mar 01, 2015 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: done so soon? Firecalc says so
Replies: 15
Views: 1812

Re: Favorite chocolate candy

Alma makes an astounding cherry hazelnut bar.

http://www.almachocolate.com/
by letsgobobby
Sat Feb 28, 2015 8:26 am
 
Forum: Personal Consumer Issues
Topic: Favorite chocolate candy
Replies: 37
Views: 2112

Re: Can I afford my dream house?

Actually I empathize with the OP. I hate almost every house on the market locally. They're so badly designed, the floor plan is so inefficient, the wasted space, the poor energy efficiency, the tiny yards, the faux grandeur. Really it's intolerable. So I am also looking for the perfect property on w...
by letsgobobby
Fri Feb 27, 2015 8:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford my dream house?
Replies: 49
Views: 3995

Re: International is disappointing

Vanguard Total International has underperformed the S&P 500 in the past 5 years by more than 60%? So disappointing that I'm considering taking the risk and going 100% Vanguard TSM (Total Stock Market). I think you have it exactly backwards! I'm 60% international and 40% domestic and feel excell...
by letsgobobby
Fri Feb 27, 2015 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 72
Views: 4462

Re: Can I afford my dream house?

Your 'worst case scenario' (income and assets) parallels my reality and I wouldn't touch a 7 figure mortgage with a ten foot pole. I suspect you wouldn't, either. So I'm thinking your plan really counts on the "likely" or "possible" scenarios. Only you can say how likely or possi...
by letsgobobby
Fri Feb 27, 2015 12:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford my dream house?
Replies: 49
Views: 3995

Re: Fidelity Premium

I was told on the phone that they only offer 2 factor fobs to premium accounts, which I didn't qualify for.

The phone ap appears to be an alternative, and seems to be available to any lowlife. So this lowlife will give it a try.
by letsgobobby
Thu Feb 26, 2015 11:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Premium
Replies: 18
Views: 1695

Re: Fidelity Premium

Have you considered just calling back and talking to someone else? I haven't heard anyone else say that only Fidelity "Premium" clients can have 2FA. Did you speak with someone in "electronic channel support"? Do you have a smartphone. Can you use the VIP access app? Then they d...
by letsgobobby
Thu Feb 26, 2015 10:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Premium
Replies: 18
Views: 1695

Re: Fidelity Premium

right, and when I called that's what they said. But now my retirement account says: Are you making the most of Premium Services? Find out by talking to one of our Guidance Consultants at 800-823-0172. and: FIDELITY PREMIUM SERVICESSM Your portfolio deserves extra attention. Our one-on-one guidance p...
by letsgobobby
Thu Feb 26, 2015 10:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Premium
Replies: 18
Views: 1695

Re: Fidelity Premium

Thank you for all the replies, I appreciate them. However, I need to know if anyone can explain whether I am, or am not, eligible for Fido Premium if I have < $250k in my brokerage account, but > $250k in my retirement accounts. The reason is, they will only give 2 factor devices to those with Premi...
by letsgobobby
Thu Feb 26, 2015 7:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Premium
Replies: 18
Views: 1695

Re: Fidelity Premium

I'm looking for the 2 factor token, for increased security. Did you see the very poor mans 2 factor Vanguard offers? I know it's not a token or a virtual token app. I rarely call a person but when I do (beer commercial? :-) ) Fido is far better than the general Van nbr but the upgraded Vanguard rep...
by letsgobobby
Thu Feb 26, 2015 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Premium
Replies: 18
Views: 1695

choosing a real estate agent

We're moving; long story. Good news is we will be selling a house that has appreciated 30-40% in the last 3 years, so there is no financial pressure. Still, I want to get this done. I'm willing to take less on the sale if it moves quickly. How do I choose an agent? I just interviewed the highest vol...
by letsgobobby
Thu Feb 26, 2015 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: choosing a real estate agent
Replies: 2
Views: 284

Re: physicians [Frustrated, considering early retirement]

My hospital employer used to let us buy up to 2 weeks per year, unpaid. But in the process of centralization, standardization, and bastardization, that option went away. Soon after went the option to work less than 0.8 FTE with benefits (even purchased). Now you can work 0.8 FTE or more with benefit...
by letsgobobby
Thu Feb 26, 2015 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 8759

Re: physicians [Frustrated, considering early retirement]

right, for example dermatology mentioned upthread works part time. Some urgent care or ED clinicians; hospitalists; anything that is straight shift work. Psychiatry can work part time, but not in the way I want. I don't want to work 2 days per week; I want to work 2 months in 3. It's difficult to be...
by letsgobobby
Thu Feb 26, 2015 2:58 am
 
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 8759

Re: Fidelity Premium

I'm looking for the 2 factor token, for increased security.
by letsgobobby
Thu Feb 26, 2015 2:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Premium
Replies: 18
Views: 1695

Fidelity Premium

Anyone here have Fido Premium? Apparently you need over $250,000 in assets. I have that much including my retirement accounts, but not enough just looking at non-retirement accounts. I called once to ask about it, they said I didn't qualify because the money has to be in non-retirement accounts. But...
by letsgobobby
Thu Feb 26, 2015 1:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Premium
Replies: 18
Views: 1695

Re: physicians [Frustrated, considering early retirement]

The problem with employed medicine is its very hard to work less than full time. The hospital systems want full timers. They don't want to pay benefits to hordes of half timers. By 45 I would love to do what I do about 2/3 time for 2/3 salary. Not allowed in system unless I give up benefits complete...
by letsgobobby
Thu Feb 26, 2015 12:26 am
 
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 8759

Re: physicians

sad state of affairs. My dad retired this year at 79, found a group he loved and lots of vacation > 12 weeks at the beginning, 24 weeks at the end. EPIC pushed him out. I'm 41, was in a down period for a while but finding a groove again. I've been working less and that's been helpful. As a result I ...
by letsgobobby
Wed Feb 25, 2015 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 8759

Re: What are Costco's best deals?

organic maple syrup
frozen berries
cheese sticks
cheese, most kinds
spinach/salad tubs
tofu (crazy cheap, and organic/non-gmo)
frozen green beans, crazy cheap
nuts in general
flank steak
wine
canola oil and olive oil
peanut butter
protein bars
car batteries
car rentals
by letsgobobby
Wed Feb 25, 2015 1:50 am
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 148
Views: 11155

Re: Portfolio help - Windfall 1.5M to 5M

Big picture. For most of us, $5 million is qualitatively different than $1.5 million. If your need for risk has considerably decreased, you should consider decreasing your portfolio risk commensurately.

In this context if you continue to tilt, you are adopting a Larry or barbell portfolio.
by letsgobobby
Wed Feb 25, 2015 1:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help - Windfall 1.5M to 5M
Replies: 8
Views: 1918

Re: Poll: How Would You Want Your Estate Divided?

There are books and guides and professional advisors who help families use their wealth constructively and without leading to wasted inheritances and lives. I wouldn't presume that everyone who inherits money will waste it.
by letsgobobby
Tue Feb 24, 2015 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How Would You Want Your Estate Divided?
Replies: 43
Views: 3409

Re: Accidentally contributed to Roth IRA

Tonight I attempted to have Vanguard convert our Traditional IRAs to Roth IRAs. The rep said her system is giving her a 'hard stop' and asked if I had checked with my tax advisor on this. She seemed confused that I would have recharacterized the Roth IRAs because of ineligibility but would still be ...
by letsgobobby
Mon Feb 23, 2015 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Accidentally contributed to Roth IRA
Replies: 39
Views: 5912

Re: Help! I can't afford to eat on my South Beach vacation

When we've gone to South Florida we've stayed 15 minutes inland, with a rental car, typically for a very cheap price. This allows us to visit places like South Beach without being compelled to stay there for all our meals. In Miami we basically try as many different Latin places as we can. Not healt...
by letsgobobby
Mon Feb 23, 2015 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Help! I can't afford to eat on my South Beach vacation
Replies: 60
Views: 4913

Re: Luxury Car

This is an easy one: Lexus L series hands down. Currently would be the LS460. It's basically the efficient frontier of luxury car, imo. Sure you can spend more to get BMW/Benz, but imo by that end you are just spending for the brand/badge. You're getting essentially the same things in these top-tie...
by letsgobobby
Mon Feb 23, 2015 9:53 am
 
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 81
Views: 5443

Re: Luxury Car

For a mere $100,000? I have no idea.

Now, $400,000? Easy.

Earthroamer.
by letsgobobby
Sun Feb 22, 2015 10:54 pm
 
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 81
Views: 5443

Re: Worst case scenario

The drops are dramatic, mostly due to world wars or energy supply shocks — but also notice that in most cases, the very best one-year returns were in the next years following the drop. Lesson: Staying the course pays off, even in the worst case scenarios. Also, diversify as broadly as you can. I do...
by letsgobobby
Sun Feb 22, 2015 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: Worst case scenario
Replies: 16
Views: 1801

Re: What age do you guys plan to retire?

My goal is financial independence between 45 and 50. I'll see what I feel like doing once I get to that point. Yes, this is our plan, too. I'm 41 now. I think we'll get there, but I'm liking work a bit more right now and not wanting to kill the goose that lays the golden egg. Going part time - say ...
by letsgobobby
Sun Feb 22, 2015 3:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8563

Re: What % of your gross income do you spend on mortgage/ren

livesoft wrote:
letsgobobby wrote:And what does that say about the utility of this poll?

I don't think this thread was supposed to have any utility or use or whatever. It was just so we could all strut our stuff and it has been pretty successful at accomplishing that.

oh, good, well carry on then.
by letsgobobby
Sun Feb 22, 2015 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 8711

Re: help me speed up my computer

A quick test to see if your computer is slow: go to start - computer - system properties - it will give a rating in the middle that will give you a GENERAL idea of the speed of your machine click on windows experience index you should be anywhere from 5 to as high as 8; depending on the speed of yo...
by letsgobobby
Sun Feb 22, 2015 11:15 am
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3499

Re: What % of your gross income do you spend on mortgage/ren

Doesn't this vary immensely if you have a 10, 12, 15, or 30 year mortgage? And what does that say about the utility of this poll?
by letsgobobby
Sun Feb 22, 2015 3:13 am
 
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 8711

Re: help me speed up my computer

First, I checked my hard drive. It has 75% of its space available so I think that's not the issue - is this what folks mean when they say, "you have have at least 10% free on your boot disk?" Then, I ran CC Cleaner, which I do pretty regularly. This eliminates all history/cookies. I have r...
by letsgobobby
Sun Feb 22, 2015 12:12 am
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3499

Re: End of Life for a Friend of Mine....a couple weeks ago..

I encouraged that this thread remain open and thank the mods for gingerly allowing it. You could view end of life decisions as the ultimate consumer choice, yet one that many make blindly and with little to no research. Consider the number of hours spent researching your latest tablet, computer, car...
by letsgobobby
Sat Feb 21, 2015 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: End of Life for a Friend of Mine....a couple weeks ago....
Replies: 41
Views: 4395

Re: Poll: How Would You Want Your Estate Divided?

mentioned upthread, just another plug for Condon and Condon's "Beyond the Grave." There is an updated edition now. Great read, probably somewhat hyperbolic in the perceived risks and dangers for the average estate, but maybe not for the average Boglehead planning to have a 7 figure estate.
by letsgobobby
Sat Feb 21, 2015 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How Would You Want Your Estate Divided?
Replies: 43
Views: 3409

Re: help me speed up my computer

will try some of these things tonight, thank you.

Some of the lingo is not familiar to me.

regarding reinstalls and wiping clean, doesn't that lose all my documents, photos, etc?

My hard drive may be pretty full. I didn't know that played a role in speed, so that could be a helpful fix.
by letsgobobby
Sat Feb 21, 2015 1:38 pm
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3499

help me speed up my computer

My PC has recently slowed down quite a bit. It started abruptly about six months ago - one day Mozilla was just far less responsive (it might have occurred after updating or installing something that wasn't working - I don't recall). Since then there seems to have been a gradual degradation. If I go...
by letsgobobby
Fri Feb 20, 2015 11:43 pm
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3499

Re: Grand Canyon

South Rim is fine, but there's another good reason to delay. I heard it's a great experience to take the mules down to the bottom, but it books fast. You may need to postpone till May to get a spot. http://www.grandcanyonlodges.com/things-to-do/mule-trips/ Be sure you are comfortable with looking d...
by letsgobobby
Fri Feb 20, 2015 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 34
Views: 2302

Re: Grand Canyon

c'mon folks, we've already established North Rim is not open in March, unless you have x-country skies or snowshoes. And that's a long trip from the nearest plowed road... of course anything can happen, maybe it'll be balmy and you'll be able to run in. But the roads are not open until May 15.
by letsgobobby
Fri Feb 20, 2015 4:43 pm
 
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 34
Views: 2302

Re: A House Deal: To Move Or Not To Move

Sounds like a terrible idea and the numbers confirm it.
by letsgobobby
Fri Feb 20, 2015 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: A House Deal: To Move Or Not To Move
Replies: 14
Views: 1011

Re: Grand Canyon

Weather unpredictable, can be nice or can be snowstorms. If the weather is nice, a great place for 2-3 days, some day hikes and even a mule ride. Better check for lodging reservations first; we are going in late March mid week and many places are full; in early April it was completely full so we are...
by letsgobobby
Fri Feb 20, 2015 2:48 am
 
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 34
Views: 2302

Re: Poll: How Would You Want Your Estate Divided?

lack of ambiguity is good. My grandfather was clear: $60k to each adult child, $30k to each (adult) grandchild. note one of the Cs did not have any children; his branch got only 2X, while the other 2 branches got 4X. Fair? not fair? We think in terms of individuals, not branches. I suppose the dange...
by letsgobobby
Thu Feb 19, 2015 7:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How Would You Want Your Estate Divided?
Replies: 43
Views: 3409

Re: Poll: How Would You Want Your Estate Divided?

If I understand the options correctly, I chose C and that is what my grandfather did, although no one had died at that point. C1, C2, and C3 got 2X each GC1 and GC2 (descended from C1), and GC3 and GC4 (descended from C2) got X each It worked great. No one complained. If any C or GC had died before ...
by letsgobobby
Thu Feb 19, 2015 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How Would You Want Your Estate Divided?
Replies: 43
Views: 3409

Re: Dave Ramsey Lashes Out at His Financial Critics

I have no problem with most of what Dave does. If you don't like his politics or his religion, don't listen. Obviously most of his listenership and a pretty good chunk of America do identify with his politics and his religion so that really isn't at issue here. He advises people to get out of debt a...
by letsgobobby
Thu Feb 19, 2015 11:39 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Lashes Out at His Financial Critics
Replies: 89
Views: 9660

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

Tulips will likely be very early this year because of our record warm winter. I think you'll miss them in the Skagit valley. Portland already has daffodils out. We are leaving pdx that same week for Vegas and Death Valley with our kids. It can be rainy and cold here in early April, though this year,...
by letsgobobby
Thu Feb 19, 2015 10:18 am
 
Forum: Personal Consumer Issues
Topic: Spring Break Ideas for Apr 4-11 for girls 4,6 yrs
Replies: 45
Views: 2381

Re: 529 Math fun and slightly broader discussion

We are not afraid of overfunding (discussed extensively in other threads). Any specific threads in mind? I spent a little time searching and reading past threads and most of what I pulled up had plenty of fear of overfunding 529s. In my case I'm not terribly scared as I have three kids and expect t...
by letsgobobby
Wed Feb 18, 2015 4:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 Math fun and slightly broader discussion
Replies: 13
Views: 1273

Re: What is your favorite consumer product?

setting aside food and drink, I guess I don't have any consumer products or brands with which I am enamored. I basically buy the cheapest everything that promises to do the job.
by letsgobobby
Wed Feb 18, 2015 4:20 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 165
Views: 9709

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

I also think it's a waste of time to take kids that young to DC. Our kids are 5 and 8 and we wouldn't consider it with them yet.

Have you thought about a cruise? Total relax - and most cruise lines have a 'camp' that the kids can attend for up to hours per day.
by letsgobobby
Wed Feb 18, 2015 3:15 pm
 
Forum: Personal Consumer Issues
Topic: Spring Break Ideas for Apr 4-11 for girls 4,6 yrs
Replies: 45
Views: 2381

Re: Time to stop driving for 85 yo MIL

or doctor, if a mandatory reporting state. Even if not mandatory, the doctor would be under some legal/ethical obligation to assess MIL if presented with facts suggesting impairment. You can send doc a letter highlighting concerns and he can proceed - however it might take some time.
by letsgobobby
Wed Feb 18, 2015 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 89
Views: 5755

Re: 529 Math fun and slightly broader discussion

The real market timing dilemma would be: if you had only enough money to make EITHER a lump sum investment today OR the $4k annual investment for the next 19 years, which would be a better choice (ie, do the expected returns of investing sooner outweigh the expected loss of the state tax benefit)? H...
by letsgobobby
Wed Feb 18, 2015 3:14 am
 
Forum: Investing - Help with Personal Investments
Topic: 529 Math fun and slightly broader discussion
Replies: 13
Views: 1273
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