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Re: POLL: Do/did you get a match? How much?

6% match in 401k
Additional 9% in lieu of pension .

I voted 6%, but it felt like 15% :sharebeer
by musbane
Fri Jun 06, 2014 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do/did you get a match? How much?
Replies: 67
Views: 4184

Re: Outdoor fire pit? Yea or Nay

We have had a fire pit for the past 12 years. We cook on it often and even keep supplies of different firewood (maple,alder and mesquite) on hand.

We invite our neighbors over for dinner around it several times a year and have had no complaints.
by musbane
Tue May 06, 2014 5:35 am
 
Forum: Personal Consumer Issues
Topic: Outdoor fire pit? Yea or Nay
Replies: 62
Views: 7232

Re: SS Strategy Metric

Cut-throat

Is 72 a typo for 62?
by musbane
Sat Apr 19, 2014 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS Strategy Metric
Replies: 55
Views: 4175

Re: Partials vs implants

Another vote for implants. I've had seven or eight (actually lost track of the total) in the last 25 years. Zero trouble with any of them and the procedure has become more comfortable over the years. Of course I could have taken the money and invested it in low cost index funds and be one or two hun...
by musbane
Fri Apr 11, 2014 9:24 am
 
Forum: Personal Consumer Issues
Topic: Partials vs implants
Replies: 29
Views: 3168

Re: Best Movies of 2013

How about The Broken Circle?
Belgian bluegrass tear jerker.
by musbane
Mon Mar 31, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: Best Movies of 2013
Replies: 83
Views: 6193

Re: Used $35k Porsche on $64k income?

I was going to respond with a knee jerk no when I smelled the hypocracy. In my early 20's with no income to brag about, I scraped everything together for a 10 year old Porsche 356SC that I oh so dearly loved. I guess it worked out. I'm 66 now and can drive anything I want. But I spent my 20's in pov...
by musbane
Mon Mar 10, 2014 10:47 pm
 
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 6773

Re: Any sailboat owners out there?

Like many things, sailing can be done in different ways. Upon early retirement, we sold our house, moved aboard our boat and cruised (also known as "repairing your boat in exotic places"). We found it much cheaper than living in a house. Sailing can be cheap or beyond insanely expensive. Y...
by musbane
Sun Mar 09, 2014 11:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any sailboat owners out there?
Replies: 10
Views: 999

Re: I'm feeling old today

In the 50's, I was a hard working 10 year old getting ready to take over center field for the Yankees when Mantle retired...
by musbane
Wed Feb 12, 2014 10:56 pm
 
Forum: Personal Consumer Issues
Topic: I'm feeling old today
Replies: 97
Views: 7191

Re: Have you ever moved for lower cost of living?

When first married, I lived in Ct., commuting to NY.
Then my Co. Moved us to Houston - this involved promotion and raises.
Then they moved me north of Seattle. This also involved promotion and raises.

It has given me something of a skewed view of cost of living. :wink:
by musbane
Fri Nov 08, 2013 8:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever moved for lower cost of living?
Replies: 72
Views: 6037

Re: Current Retirees: how much tax you pay?

I chose 6 - 10, but it would have been zero were it not for Roth conversions to the top of the 15% bracket.
by musbane
Fri Nov 08, 2013 8:28 pm
 
Forum: Investing - Theory, News & General
Topic: Current Retirees: how much tax you pay?
Replies: 55
Views: 6652

Re: Scared of early withdrawal penalties

And in the "small comfort" category, you are locked in only until age 59 1/2.
by musbane
Sun Nov 03, 2013 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Scared of early withdrawal penalties
Replies: 14
Views: 1008

Re: A Boglehead Running the Fed!

Maybe she really is a Boglehead.

If so, I wonder who?
by musbane
Fri Oct 11, 2013 12:14 am
 
Forum: Investing - Theory, News & General
Topic: A Boglehead Running the Fed!
Replies: 24
Views: 4085

Re: Any Jeep enthusiasts? They seem to retain their value

They can hold their value fairly well. Last year we bought a 2005 Rubicon with 30k miles for $24,000. The Rubicon package only makes sense if you do some fairly serious off roading - particularly in rocks. They are not the most reliable cars out there and their gas mileage is horrible. They have all...
by musbane
Wed Sep 18, 2013 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Any Jeep enthusiasts? They seem to retain their value
Replies: 18
Views: 1757

Re: Early retirees - did you pay off your house?

Retired 12 years ago at age 53. Immediately put the house up for sale. When it sold ( took a year - dot com and WTC and all that) I payed off mortgage on house, boat and land. Then we moved onto the sailboat and bought an rv for the winter.
by musbane
Thu Sep 12, 2013 12:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Early retirees - did you pay off your house?
Replies: 27
Views: 2301

Re: The Perils Of Picking Past Winners

OK, I think I have found the heart of this guy's dislike for vanguard. In the comments section he says, What disturbs me about Vanguard is that they have marketed themselves so well, that an ever increasing majority Of our population believes two things: 1. Actively managed investments, and the fees...
by musbane
Wed Jul 24, 2013 1:28 am
 
Forum: Investing - Theory, News & General
Topic: The Perils Of Picking Past Winners
Replies: 28
Views: 1980

Re: Joining a religious order with a poverty vow

If I read the OP correctly, there is no intent to evade taxes - rather to keep assets hidden from the church.

Is there such a thing as 'tithe evasion'?
by musbane
Thu Jul 04, 2013 10:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Joining a religious order with a poverty vow
Replies: 62
Views: 3166

Re: Advisor resisting request to stop whole-life and move Ro

When I transferred everything (no insurance products, but lots of horrible mutual funds and individual stocks and bonds) from Merril Lynch to Fidelity, I had the same concerns. The broker had been my father's before me and I dreaded the inevitable confrontation. But I took the advice I received here...
by musbane
Thu Jun 27, 2013 7:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advisor resisting request to stop whole-life and move Roth
Replies: 28
Views: 1397

Re: Live next to gas station?

Aren't houses next to gas stations, RR tracks, etc. much more likely to be rentals?
by musbane
Fri Jun 21, 2013 8:55 pm
 
Forum: Personal Consumer Issues
Topic: Live next to gas station?
Replies: 44
Views: 3593

Re: Investing in the stock market for the SHORT term

But Peter, how do you know it is a horrible time? Perhaps it will only be getting horribler...
by musbane
Fri Jun 21, 2013 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in the stock market for the SHORT term
Replies: 37
Views: 1935

Re: Investing in the stock market for the SHORT term

Well, if, as it seems, you are reasonably well off, then $2,000 is just another bill and you won't be invsting seperately just for that. It simply fits into all the other bills and income and therefor BECOMES part of your long term.
by musbane
Fri Jun 21, 2013 12:03 am
 
Forum: Investing - Theory, News & General
Topic: Investing in the stock market for the SHORT term
Replies: 37
Views: 1935

Re: Dividends Are Different?

However, the behavioral aspect of investing is probably the most critical piece of all. If a retiree can meet income needs with dividends, then share selling is unnecessary regardless of price. This can allow one to sleep easy at night regardless of bear markets or market volatility. Case in point:...
by musbane
Mon Jun 17, 2013 11:30 pm
 
Forum: Investing - Theory, News & General
Topic: Dividends Are Different?
Replies: 207
Views: 9316

Re: Garter Snake Repellant

The heck with rodents... Tell your wife they eat black widow spiders. :beer
by musbane
Thu Jun 13, 2013 7:43 pm
 
Forum: Personal Consumer Issues
Topic: Garter Snake Repellant
Replies: 21
Views: 1716

Re: Tap IRA early or use SS early ??

Yes, the system is actuarily neutral, meaning that for you personally, it doesn't matter when you take it. But your wife is younger than you and is a female, together making it highly likely that she will outlive you by a number of years; each one of which she will collect your signifacantly higher ...
by musbane
Sun Jun 09, 2013 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Tap IRA early or use SS early ??
Replies: 117
Views: 5661

Re: Forbes Story How Retirees Pay Zero Taxes

I would be paying zero taxes in retirement but for ROTH conversions to the top of the 15% bracket. I suspect this is true of many Bogleheads. Not sure of other heads.
by musbane
Wed Jun 05, 2013 10:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Forbes Story How Retirees Pay Zero Taxes
Replies: 34
Views: 4161

Re: Gold

Um, pennies aren't copper and haven't been for a long time...
by musbane
Fri May 17, 2013 12:03 am
 
Forum: Investing - Theory, News & General
Topic: Gold
Replies: 78
Views: 4221

Re: Am I doing okay at this point?

momar wrote:I would say you have done fine. You have nearly doubled your contributions, which are moderately backloaded, in about 15 years.



And you have done it through two crashes :beer
by musbane
Wed May 08, 2013 12:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Am I doing okay at this point?
Replies: 12
Views: 1597

Re: Help with potential job offer

By thoroughly understand and inside information, i'm just continueing the investment analagy. If you were to be asked to invest in a startup by your broker, you would have no special knowledge of the company And it would probably be a bad idea. But if you worked on this AND feel that gives you real ...
by musbane
Tue May 07, 2013 10:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with potential job offer
Replies: 47
Views: 1846

Re: Help with potential job offer

Interesting that you look on this as an investment. With that in mind, Bogleheads don't invest in things they don't understand, and believe that without inside information you can't beat the market on a risk adjusted basis. But you do thoroughly understand the investment and if I understand you corr...
by musbane
Tue May 07, 2013 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with potential job offer
Replies: 47
Views: 1846

Re: Anyone wish to share their play money investments?

I just re read most of these posts to see if there might be any kind of a consensus. If for example, say 38% of self selected Bogleheads with play money chose stock X, then it might be possible that the only group in the world that has an accurate insight on stock picking is the Bogleheads! But no, ...
by musbane
Tue May 07, 2013 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone wish to share their play money investments?
Replies: 56
Views: 3744

Re: How Much Did You Spend on Your Engagement Ring??

37 years ago.

The subject never came up as far as I recall. Wait, I'll ask.

Nope,never came up.
by musbane
Tue May 07, 2013 5:13 pm
 
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 20259

Re: Is investing different for the "rich"?

Thank you.

Not my cup of tea, but I appreciate the response.

I think it requires a talant that I don't have. Knowing who to trust....twice.
by musbane
Thu May 02, 2013 9:50 pm
 
Forum: Investing - Theory, News & General
Topic: Is investing different for the "rich"?
Replies: 34
Views: 3412

Re: Is investing different for the "rich"?

RenoJay, I hate to pry, and you're under no obligation to tell us, but I for one would be vastly interested to know what fixed income investments would be significantly superior to bonds. I will be having several large 3% CDs coming due in the near future and while these may be better than bonds, th...
by musbane
Thu May 02, 2013 8:23 pm
 
Forum: Investing - Theory, News & General
Topic: Is investing different for the "rich"?
Replies: 34
Views: 3412

Re: Unsecured wifi

I seem to have given some wrong impressions. Sorry. I'm really, really lazy. 1. I' m not on vacation. I'm 65 and have been retired for a dozen years. 2. No pension, no annuity, no social security till 70, no other income. 3. Been in Baja for about 5 months now without accessing my finances. So I'm i...
by musbane
Tue Apr 30, 2013 10:55 pm
 
Forum: Personal Consumer Issues
Topic: Unsecured wifi
Replies: 66
Views: 6299

Re: Unsecured wifi

Well, thank you all for the advice. It seems that if I know what I am doing there is little risk. But I DON'T know whai I am doing and the downside of even a small risk is so bad... So I guess I'll have to do what my wife says (why does it always... oh never mind). The heck with it, I'm going fishing.
by musbane
Mon Apr 29, 2013 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Unsecured wifi
Replies: 66
Views: 6299

Unsecured wifi

So, i'm sitting here in southern Baja (east cape) wanting to access my fidelity account to see how long I can keep doing this. We are in a rental house. There are like five houses here sharing an unsecured wifi connection. My wife says that if I access our fido account, we run the risk of losing all...
by musbane
Sun Apr 28, 2013 11:11 pm
 
Forum: Personal Consumer Issues
Topic: Unsecured wifi
Replies: 66
Views: 6299

Re: Bogleheads' accomplishments

I didn't expect to be alive and I certainly didn't expect to be solvent.
by musbane
Thu Apr 04, 2013 10:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads' accomplishments
Replies: 72
Views: 5911

Re: Wedding band durability & long-term costs- gold vs plati

I guess I'm a traditionalist. Plain gold sort of rounded rectangular 14 carat gold. Many small scratches that only make it look like a slightly matte finish. Bought new in 1976. Other than the above matte effect, doesn't appear to have actually worn at all. There is a neat method of emergency remova...
by musbane
Thu Apr 04, 2013 10:41 pm
 
Forum: Personal Consumer Issues
Topic: Wedding band durability & long-term costs- gold vs platinum?
Replies: 40
Views: 2247

Re: Farming and Homesteading Thoughts/Advice?

They say that you're lucky if you grow up on a farm because for the rest of your life whatever you do
will seem easy.
by musbane
Tue Nov 20, 2012 3:56 am
 
Forum: Personal Consumer Issues
Topic: Farming and Homesteading Thoughts/Advice?
Replies: 27
Views: 1581

Re: Getting promoted, how to ask for retroactive pay?

I'm a retired manager from a large Corp. I've promoted many people. Unless there is something very unusual about your company, I would strongly advise you not to ask. That's from my experience. But how about this? Your raise is important partly because you now have a new base line. For the rest of y...
by musbane
Mon Nov 05, 2012 10:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting promoted, how to ask for retroactive pay?
Replies: 35
Views: 2500

Re: Please help me sell my cell phone number

Thanks again for all your input. Sam I Am mentioned the lucky number 18. Google tells me the HK license plate number 18 sold at auction for over a million US dollars. My number ends with 18 with a whole bunch of lucky 8's in front of it. As for the carrier, it was Telus Mobility in Victoria. The rea...
by musbane
Mon Nov 05, 2012 9:49 pm
 
Forum: Personal Consumer Issues
Topic: Please help me sell my cell phone number
Replies: 17
Views: 2635

Re: Please help me sell my cell phone number

Thanks for all the advice so far. I'm not sure but I would have thought that a business would want an 800 number? If so, I guess I'm looking for a rich, superstitious, probably Chinese individual. Yes, I bought the phone in Victoria, so the area code is not for Vancouver, and the Chinese population ...
by musbane
Sun Nov 04, 2012 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Please help me sell my cell phone number
Replies: 17
Views: 2635

Please help me sell my cell phone number

Strange, I know, but at least it's a new sort of investment. So, about 13 years ago I retired to live in a sailboat in the summer and an RV in the winter. The sailboat part mostly on the inside passage to Alaska. We bought a BC cell phone. It came with a number. That number is 250 888 8818. We no lo...
by musbane
Sat Nov 03, 2012 1:53 am
 
Forum: Personal Consumer Issues
Topic: Please help me sell my cell phone number
Replies: 17
Views: 2635

Re: One of the toughest decisions of my life

Would these prerequisets in and of themselves have a value to you or a future employer?
by musbane
Mon Oct 22, 2012 1:21 am
 
Forum: Personal Finance (Not Investing)
Topic: One of the toughest decisions of my life [Employment]
Replies: 33
Views: 4840

Re: How often do I need to drive a seldom-used truck?

Several people have recommended a trickle charger. While this works- if you get a good one that won't overcharge your battery - an alternative is to use an AGM battery such as an Optima that has virtually no self discharge. You need to make sure you have little or no parasitic drains when leaving th...
by musbane
Sat Oct 20, 2012 2:40 pm
 
Forum: Personal Consumer Issues
Topic: How often do I need to drive a seldom-used truck?
Replies: 15
Views: 2004

Re: Investing Social Security

You could pass at 74, but your surviving spouse receives the higher of the two benefits, which presumably will be yours in most cases, particulary if you receive max DRCs. It's a totally different ballgame calculating the return on the decision to delay if you are married vrs single. This is true. ...
by musbane
Mon Oct 15, 2012 3:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing Social Security
Replies: 29
Views: 2028

Re: New (I think) Roth conversion question

Thanks for the helpful information, Murphyjh. You might have guessed from my rather flippant comment about the ease of the accounting that I don't actual DO the accounting myself. My spouse does. She is reading your post now. Paul, Epsilon Delta is correct in that, for better or worse, I already own...
by musbane
Fri Sep 28, 2012 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: New (I think) Roth conversion question
Replies: 14
Views: 993

Re: New (I think) Roth conversion question

I truly want to thank all of you who responded. I believe I got cought up with the beauty of the math with many separate conversions. Never even thought about bringing unwanted IRS notice on my head. I now think that while the concept is valid, after about three separate conversions, additional conv...
by musbane
Thu Sep 27, 2012 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: New (I think) Roth conversion question
Replies: 14
Views: 993

New (I think) Roth conversion question

I have been following most of the ROTH conversion threads and have developed a plan for my 2012 conversion. Background - early retirement 12 years ago. I have been converting IRAs to ROTH's for about 5 years - up to the top of the 15% tax bracket. Last year, I picked up on the idea of setting up 2 R...
by musbane
Tue Sep 25, 2012 2:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: New (I think) Roth conversion question
Replies: 14
Views: 993

Re: Gold risk - fake bar in NYC

I think it means that if krugerands are that much less dense than pure gold, then It would indeed be possible to make an alloy of tungsten and something else relatively cheap that would be exactly the same sg. as a krugerand. This activity would become more likely if gold gets even more expensive. T...
by musbane
Thu Sep 20, 2012 1:16 am
 
Forum: Investing - Theory, News & General
Topic: Gold risk - fake bar in NYC - now TEN more 9/23
Replies: 60
Views: 4774

Re: When the heck is it OK to take out a 401k Loan??

I think it's almost always a terrible idea, but I did it. Borrowed money to build a house. Blow up with builder half way through. Had to fire builder but bank wanted to know that I was solvent enough to complete the job. Took out a 401k loan. Bank was happy. Builder was gone. Bank was right. I neede...
by musbane
Wed Aug 01, 2012 12:13 am
 
Forum: Investing - Help with Personal Investments
Topic: When the heck is it OK to take out a 401k Loan??
Replies: 22
Views: 2260
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