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Re: *Best town I've never heard of

Hendersonville, NC almost makes all of your criteria. 1/2 hour from Asheville, which isn't quite as big as you want, and 2 hours from Charlotte NC. Scenery to die for, 4 mild seasons. And although it wasn't necessary for us, I believe the public schools are excellent. We move there in a month. :)
by matonplayer
Sat Oct 11, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 9644

Re: Should my wife continue her life insurance?

All, thanks very much for the replies. Dropping the insurance will offset the cable tv cost. :) Now f I could only get ESPN and the Golf Channel without having to sign up for cable...
by matonplayer
Sun Oct 05, 2014 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should my wife continue her life insurance?
Replies: 6
Views: 1047

Re: Should my wife continue her life insurance?

Just saw that her premium almost doubles on her birthday this year. :(.
by matonplayer
Fri Oct 03, 2014 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should my wife continue her life insurance?
Replies: 6
Views: 1047

Should my wife continue her life insurance?

My wife retires this month, with a pension of approximately $30K per year. If she dies before me, I will receive approximately 1/2 of her pension. She currently holds a $300K life insurance policy, my original idea being that if she dies before me the $300K would offset the loss of the 1/2 pension. ...
by matonplayer
Fri Oct 03, 2014 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should my wife continue her life insurance?
Replies: 6
Views: 1047

Re: What SWR/expense multiple to use for early retirement pl

As you have a collection of bonds so the yield change as a percentage is smaller but over time your yield will drift down (until it changes direction and goes back up). Randomguy, we've been in retirement for 12 years now, with a 50% stock/50% bond portfolio and taking our 2.5% annual withdrawals f...
by matonplayer
Thu Oct 02, 2014 7:42 pm
 
Forum: Investing - Theory, News & General
Topic: What SWR/expense multiple to use for early retirement plan?
Replies: 63
Views: 3043

Re: Anybody manage a rental property long distance?

Thanks for all the responses. My neighbors will hate me :) but I think reducing the price is the way to go. We'll probably give it another week or so at this price and then start reducing it.
by matonplayer
Sun Sep 28, 2014 1:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Anybody manage a rental property long distance?
Replies: 13
Views: 873

Re: Anybody manage a rental property long distance?

There's no doubt I could sell it tomorrow if I slashed the price by 50%. :). The house seems to be fairly priced compared to others nearby, but I have a feeling that none of them are selling either. That said, we've had two couples in the past month that were very interested, but didn't pull the tri...
by matonplayer
Sat Sep 27, 2014 9:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anybody manage a rental property long distance?
Replies: 13
Views: 873

Anybody manage a rental property long distance?

Here's my situation. I'm early retired and my wife retires next month. We live in Maryland but we're moving to North Carolina in November. We have yet to sell our house here in Maryland, although it's been on the market for four months. Our house is on the expensive side so the pool of buyers is som...
by matonplayer
Sat Sep 27, 2014 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anybody manage a rental property long distance?
Replies: 13
Views: 873

Re: Jack and Jill Bathroom a problem?

I wouldn't think it would affect the resale value, but from a practical standpoint, I think they're pretty bad. Our two teenage boys shared one and they would lock the other one's door and then forget to unlock it when they were done, so the other one couldn't get in. :)
by matonplayer
Wed Sep 24, 2014 10:31 pm
 
Forum: Personal Consumer Issues
Topic: Jack and Jill Bathroom a problem?
Replies: 18
Views: 1874

Re: What to do with an older car?

interesting. why remove plates? Let's say the new owner keeps the plates. They go rob a bank. Those plates are tied to your name. You don't need that hassle. Also, remember that there are red light cameras and speed cameras and you don't want those tickets. Also, you and I have registered our cars....
by matonplayer
Wed Sep 24, 2014 9:15 am
 
Forum: Personal Consumer Issues
Topic: What to do with an older car?
Replies: 22
Views: 1350

Re: What to do with an older car?

wageoghe wrote:Contact the OP in this thread. Maybe he'd like to buy it.

viewtopic.php?f=11&t=147406


I just PMed them. Thanks for the link!
by matonplayer
Tue Sep 23, 2014 8:27 pm
 
Forum: Personal Consumer Issues
Topic: What to do with an older car?
Replies: 22
Views: 1350

What to do with an older car?

I have a 1997 Honda Accord with 225K miles that I need to get rid of. I hate the idea of giving it away to a junk dealer because the car runs great and the interior is nice and clean. But it has some minor body issues - my son skidded on a turn a while back and hit a concrete wall with the front rig...
by matonplayer
Tue Sep 23, 2014 7:52 pm
 
Forum: Personal Consumer Issues
Topic: What to do with an older car?
Replies: 22
Views: 1350

Re: 3.0% 8 year non-callable CD - opinions?

Now I have non-buyer's remorse. :)
by matonplayer
Mon Sep 15, 2014 5:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.0% 8 year non-callable CD - opinions?
Replies: 6
Views: 722

Re: 3.0% 8 year non-callable CD - opinions?

I'm looking at it now on the TDAmeritrade CD center. One has more than a week to buy this thing. I personally would not buy it. I would be happy instead to take my chances with an intermediate-term bond fund over that time span. Let's see what Janet Yellen says this week, too. Can't say I disagree.
by matonplayer
Mon Sep 15, 2014 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.0% 8 year non-callable CD - opinions?
Replies: 6
Views: 722

3.0% 8 year non-callable CD - opinions?

I got a ping from TD Ameritrade saying they were offering an FDIC insured CD through GE Capital - an 8 year CD at 3%. Noncallable. The duration is a little longer than I would like but it still seems like a decent deal. What do others think?
by matonplayer
Mon Sep 15, 2014 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.0% 8 year non-callable CD - opinions?
Replies: 6
Views: 722

Re: My early 30's Ameriprise portfolio

My high level feedback is that you're getting killed in expenses. No reason to have as many funds or to have funds with such high expense ratios.
by matonplayer
Tue Sep 02, 2014 11:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: My early 30's Ameriprise portfolio
Replies: 36
Views: 3492

Re: Anyone live in The Cliffs in NC?

We decided we wanted to retire to the western NC area last year. We looked at several communities in the area, including the Cliffs. We found our dream location at Champion Hills (http://www.championhills.com). More house for the money, golf course is ranked #11 in the state. People are so friendly ...
by matonplayer
Sat May 17, 2014 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Anyone live in The Cliffs in NC?
Replies: 9
Views: 1527

Re: Can I be a boglehead and join a golf club?

For avid golfers, there are great bennies to being a club member. Pace of play is typically faster, so you're not taking the entire day to play 18 holes. You're frequently treated better by the staff at a club than at your local muni. There are events all the time happening at a club - tournaments, ...
by matonplayer
Sat May 17, 2014 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I be a boglehead and join a golf club?
Replies: 70
Views: 4718

Re: Lawyer recommends trust

Maybe I'm the crazy one, but everything that my wife and I have are in each other's name, and we're the beneficiaries of each other's 401(k). What are the odds of our both dying at the same time? That's kept me from going down the trust route. But I'm open to options or to contrary opinions. We have...
by matonplayer
Sat May 17, 2014 7:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer recommends trust
Replies: 81
Views: 5484

Re: Secondary Market Annuities

I'm considering purchasing a secondary market annuity that would get us to age 70. Matonplayer: This could be a very big mistake. Jason Zweig, respected columnist for the Wall Street Journal , explains: Another Can't-Miss Deal That Can Miss Spectacularly Best wishes. Taylor Taylor, thanks. This art...
by matonplayer
Tue Apr 08, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: What next after you have enough sort of.
Replies: 31
Views: 3560

Re: What next after you have enough sort of.

People may think if it as a mental accounting trick but after thinking long and hard on this topic it seemed to me I am looking at 2 distinct phases pre and post SS and pension. To plan for post SS and pension which is about 14 years away I can take X dollars and a say 65/35 AA and let things run t...
by matonplayer
Tue Apr 08, 2014 11:11 am
 
Forum: Investing - Theory, News & General
Topic: What next after you have enough sort of.
Replies: 31
Views: 3560

Re: New callable CD offering

I don't like callable CD's. From the bank's standpoint, it's heads I win, tails you lose. If rates decrease, stay the same, or only increase slightly, they will call the CD - and they win (by being able to loan-out money at a lower rate). If rates increase significantly, they will not call the CD, ...
by matonplayer
Wed Mar 12, 2014 11:18 am
 
Forum: Investing - Theory, News & General
Topic: New callable CD offering
Replies: 18
Views: 1477

Re: New callable CD offering

I suppose that from my limited understanding, those sound almost too good to be true. A 9% 15-year CD? Bond-like risk or not, that's nuts. If they call it, you avoid the downside of duration risk anyhow. Hopefully, someone with more understanding will chime in and explain why this product exists, g...
by matonplayer
Wed Mar 12, 2014 11:02 am
 
Forum: Investing - Theory, News & General
Topic: New callable CD offering
Replies: 18
Views: 1477

Re: New callable CD offering

kenyan wrote:Are those brokered CDs?


They're being issued by Goldman Sachs and purchased through TD Ameritrade, so I guess you would consider them brokered. But they're new issues and the price is $100 so I doesn't appear that TDA is taking any fee off the top.
by matonplayer
Wed Mar 12, 2014 10:51 am
 
Forum: Investing - Theory, News & General
Topic: New callable CD offering
Replies: 18
Views: 1477

New callable CD offering

I just got a ping from TD Ameritrade, where I have most of my investments. They're offering a callable step up CD at 3.25% till 03/26/2021, 3.50% till 03/26/2024, 4.00% till 03/26/2027, 5.00% till 03/26/2028, 7.00% till 09/26/2028, 9.00% till 03/26/2029. Callable March 26, 2015, semiannually thereaf...
by matonplayer
Wed Mar 12, 2014 10:38 am
 
Forum: Investing - Theory, News & General
Topic: New callable CD offering
Replies: 18
Views: 1477

Re: Please help with FERS retirement calculation

At what agency does your wife work? Being a GS-15 at age 36 is almost unheard of at the agencies with which I'm familiar, unless she as a very specialized skill (lawyer, doctor, etc).
by matonplayer
Sun Mar 02, 2014 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help with FERS retirement calculation
Replies: 19
Views: 2173

Re: Rebalance and take short term cap gain hit?

abuss368 wrote:Can you rebalance with new funds being added to the accounts?


Later in the year, yes. But not at the present time.
by matonplayer
Mon Feb 24, 2014 1:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalance and take short term cap gain hit?
Replies: 12
Views: 465

Re: Rebalance and take short term cap gain hit?

Thanks to the recent run of equities, I'm at the point where my equity allocation has exceeded my IPS bandwidth limit, and it's time to rebalance into bonds. The problem is, since I've switched to the Bogleheads way of investing fairly recently, if I rebalance now I'd have to sell equities that I'v...
by matonplayer
Mon Feb 24, 2014 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalance and take short term cap gain hit?
Replies: 12
Views: 465

Re: Rebalance and take short term cap gain hit?

Unfortunately, no. My tax advantaged account is all bonds. Our tax advantaged space is only about 20% of our total portfolio.
by matonplayer
Mon Feb 24, 2014 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalance and take short term cap gain hit?
Replies: 12
Views: 465

Rebalance and take short term cap gain hit?

Thanks to the recent run of equities, I'm at the point where my equity allocation has exceeded my IPS bandwidth limit, and it's time to rebalance into bonds. The problem is, since I've switched to the Bogleheads way of investing fairly recently, if I rebalance now I'd have to sell equities that I've...
by matonplayer
Mon Feb 24, 2014 12:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalance and take short term cap gain hit?
Replies: 12
Views: 465

Re: Entertainment industry investment "opportunity"

My neice's husband is a partner in a venture capital firm. They recently funded the movie "Robot and Frank" with Susan Sarandon. He said it was fun and a good learning experience but that they'll be lucky to break even.
by matonplayer
Tue Feb 18, 2014 12:31 pm
 
Forum: Investing - Theory, News & General
Topic: Entertainment industry investment "opportunity"
Replies: 3
Views: 550

Re: How much financial support should you give your kids?

From millionaire next door.... "Economic Outpatient Care (EOC) is a term used to express when an affluent parent provides money to an adult child. Besides offspring observations resulting in UAW children, EOC is a contributing factor to the passing on of the UAW belief. Offspring who receive E...
by matonplayer
Sun Feb 02, 2014 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much financial support should you give your kids?
Replies: 53
Views: 3384

Re: How much financial support should you give your kids?

I like the idea of waiting until they're 30 or so to give them a chunk of cash - but do you tell them ahead of time that they'll be getting it?
by matonplayer
Sun Feb 02, 2014 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much financial support should you give your kids?
Replies: 53
Views: 3384

Re: How much financial support should you give your kids?

I would also disagree with the statement about many smaller gifts, I think that a big one-time gift is less likely to be spent away. 3-5 thousand is "now I can afford ____" money, while 100 thousand is "I can really do something big" money, in my mind. Well, if OP gives them $10...
by matonplayer
Sun Feb 02, 2014 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much financial support should you give your kids?
Replies: 53
Views: 3384

How much financial support should you give your kids?

All, I've been thinking lately about the pros and cons of gifting a substantial chunk of cash - say, 100K - to each of my two sons when they graduate college. It really wouldn't hurt us that much financially but I can see where it could make a huge difference in the lives of my kids, especially sinc...
by matonplayer
Sun Feb 02, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much financial support should you give your kids?
Replies: 53
Views: 3384

Re: VG teams up with HelloWalle​t

So is this a Yodlee PLUS offering for the $100? You get the integrated Yodlee + some nudges? I'm just curious because I am still looking for a Quicken replacement and Mint is horrid at handling investment accounts. I've been pretty happy with Personal Capital. I still use Mint for tracking expenses...
by matonplayer
Thu Jan 30, 2014 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: VG teams up with HelloWalle​t
Replies: 24
Views: 2414

Re: Do you need bonds if you have far more money than you ne

We are in a situation very similar to the OP's scenario. Being retired at 53 our portfolio is 40/60. No way will I risk a severe market downturn at the start of our retirement and blow up our retirement due to a bad sequence of returns.
by matonplayer
Sun Jan 05, 2014 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: Do you need bonds if you have far more money than you need?
Replies: 54
Views: 3399

Re: Real Economy Portfolio Feedback Requested

1/3 in real estate? I suppose if you are a real estate person, that is fine. You certainly will not find support for that here as real estates is only a small % of the market. It is also fully taxable as ordinary income and not eligible for qualified dividend tax rates. What is the difference wheth...
by matonplayer
Mon Dec 30, 2013 11:29 pm
 
Forum: Investing - Theory, News & General
Topic: Real Economy Portfolio Feedback Requested
Replies: 12
Views: 597

Re: Liability Matching Portfolio: Reality for the Long Term?

I often wonder about LMP for young retirees as well. I'm retired at 53 with a 40/60 portfolio with the majority of the portfolio in taxable, so my fixed income portion consists of both short and intermediate term munis, CDs, TSP G fund (via spouse), and BND (in my limited tax-deferred space). No clu...
by matonplayer
Thu Nov 28, 2013 2:05 pm
 
Forum: Investing - Theory, News & General
Topic: Liability Matching Portfolio: Reality for the Long Term?
Replies: 50
Views: 3824

Re: Social security at 62 vs 70

BL wrote:If you are single it is a bit more straightforward. Providing for surviving spouse adds benefit as AFAIK that is not considered in the break-even point.


Good point. I have not taken my spouse's benefit options into account.
by matonplayer
Mon Oct 14, 2013 3:31 pm
 
Forum: Investing - Theory, News & General
Topic: Social security at 62 vs 70
Replies: 76
Views: 5917

Social security at 62 vs 70

It seems to be conventional wisdom on the forum that delaying social security until age 70 is a superior strategy to taking it earlier. I'm hoping someone can explain to me why that is. I'm an early retiree at age 52, and according to the SSA calculator, taking SS at 62 gets me $1701 per month, and ...
by matonplayer
Mon Oct 14, 2013 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Social security at 62 vs 70
Replies: 76
Views: 5917

Re: Asset allocation question for early retiree

Yes, it is more conservative. Only 58% of your fixed income allocation is actually in bonds. Do you plan to move your TSP into a rollover IRA? Are you in any of the stock funds that are available in the TSP? Not at this time, primarily because the consensus seems to be that the TSP G fund is a &quo...
by matonplayer
Mon Sep 09, 2013 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation question for early retiree
Replies: 3
Views: 363

Asset allocation question for early retiree

First of all, let me say what a valuable resource this forum has been for me. I'm a recent early retiree, age 52. Based upon our income needs and risk tolerance, my asset allocation is currently set to 40% stock / 60 % fixed income. But here's my question - since my fixed income is not totally bonds...
by matonplayer
Mon Sep 09, 2013 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation question for early retiree
Replies: 3
Views: 363

Re: Honest answer, as if it were your money and your child.

IIRC studies have shown that when you start looking at unusually long draw down scenarios (50 years or longer) the SWR doesn't change all that significantly, because once the SWR gets low enough you're spending interest and dividends only. I'll see if I can find the link to the paper that discusses ...
by matonplayer
Mon Aug 26, 2013 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: Honest answer, as if it were your money and your child.
Replies: 30
Views: 3543

Re: TD Ameritrade Reviews?

I've no complaints with TDA with the exception of the local sales guy who keeps calling and leaving messages on my cell phone. I just ignore them.
by matonplayer
Fri Aug 09, 2013 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Reviews?
Replies: 31
Views: 10366

Re: Is Age in Bonds Upside Down?

Aren't there potential tax implications? My AA results in my bond allocation being in tax-deferred space and my stock allocation in taxable, so what's the best way to avoid drawing down tax-deferred first?
by matonplayer
Wed Jul 24, 2013 10:57 pm
 
Forum: Investing - Theory, News & General
Topic: Is Age in Bonds Upside Down?
Replies: 14
Views: 2600

Re: 35% is the new 70%

Your percentage of income is irrelevant. What matters is your percentage of spending.
by matonplayer
Wed Jul 24, 2013 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: 35% is the new 70%
Replies: 37
Views: 6715

Re: Can we afford private school?

I think if you go the private school route you need to think about what you want to achieve for your children. We sent our son to private school in DC even though we lived in one of the best school districts in the country--Fairfax County VA. We were not interested in Sidwell or St. Albans, but rat...
by matonplayer
Thu Jul 18, 2013 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we afford private school?
Replies: 87
Views: 7001

Re: factor based investing

I too am wondering how best to use this information. If I have 5% of my portfolio in small cap value, should I reduce my total stock market allocation by 5% and use that money to buy a momentum-based fund?
by matonplayer
Wed Jul 17, 2013 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: factor based investing
Replies: 38
Views: 3192

Re: Tesla Motors Stock

I have a friend that's big into CAN SLIM and he bought TSLA at 102. He says he can get 10% return on his portfolio with no problem...
by matonplayer
Mon Jul 08, 2013 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tesla Motors Stock
Replies: 164
Views: 13482
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