Search found 403 matches

by rixer
Tue Sep 01, 2015 9:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1961
Views: 377854

Re: U.S. stocks in freefall

Of course. I just made a sizable purchase yesterday.. :oops:
by rixer
Sun Aug 30, 2015 9:45 am
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 96
Views: 5117

Re: If stocks dropped 30% next Monday, would you rebalance?

Since I'm in Lifestrategy, it would rebalance itself. I guess it could be a bad thing if we're in a long downturn. I hope not.
by rixer
Mon Aug 17, 2015 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Sacramento Real Estate Market
Replies: 14
Views: 1390

Re: Sacramento Real Estate Market

Arden Park area is very nice. It's an established neighborhood and big mature yards. It's located between Arden, Watt, Fair Oaks and Eastern avenues.

https://www.google.com/maps/@38.586373, ... 5549,14.5z
by rixer
Sat Aug 15, 2015 7:13 am
Forum: Personal Consumer Issues
Topic: Carry on luggage
Replies: 87
Views: 7072

Re: Carry on luggage

I want to thank everybody for all your great and detailed responses! We thought we wanted spinner luggage for carry-ons but now after reading through these posts I think we'll forget the wheels. From what we've looked through, we're leaning towards one of those convertible backpacks. While we want t...
by rixer
Thu Aug 13, 2015 6:42 pm
Forum: Personal Consumer Issues
Topic: Carry on luggage
Replies: 87
Views: 7072

Carry on luggage

We are going to start traveling a little more and we need to get some new luggage. The airlines have been reducing down the size of carry-ons they'll allow and our doesn't qualify anymore. Do any of you traveling Bogelheads have any recommendations for us? We would like find something with spinner w...
by rixer
Wed Aug 12, 2015 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Gone Fishing Portfolio Schwab
Replies: 9
Views: 826

Re: Gone Fishing Portfolio Schwab

If you're at Schwab, maybe the Schwab Intelligent Portfolio might work for you.
by rixer
Sun Aug 09, 2015 10:24 am
Forum: Personal Consumer Issues
Topic: How much do you pay for monthly landscaping?
Replies: 28
Views: 2731

Re: How much do you pay for monthly landscaping?

$100 month for full service for front and back in N. Ca. They mow, blow, edge, manicure shrubs and the rose arbor, fertilize the lawn and keep weeds out of the planters. They do a great job and I don't have to tell them what to do as they keep on top of everything. Up until last year I've always don...
by rixer
Sun Aug 09, 2015 9:57 am
Forum: Personal Consumer Issues
Topic: December Vacation
Replies: 17
Views: 1698

Re: December Vacation

You could do a Caribbean Cruise. The cruise ship offers much to do with entertainment, meals, nice pools and water sports. It's also a safe place to stay.
by rixer
Sun Aug 09, 2015 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Wife Staying at Home Soon. What to do w/ 40K in savings?
Replies: 9
Views: 1471

Re: Wife Staying at Home Soon. What to do w/ 40K in savings?

Maybe she could keep working and you stay home. She is making about $125,000 net per year. You're bringing in about $42,000 .
by rixer
Fri Aug 07, 2015 11:14 am
Forum: Personal Consumer Issues
Topic: Inherited jewelry and have no clue how to liquidate
Replies: 27
Views: 2906

Re: Inherited jewelry and have no clue how to liquidate

You could look for a jeweler who specializes in jewelery estate sales. I would be careful trying to sell the items yourself. You could get hit over the head and robbed.
by rixer
Thu Aug 06, 2015 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Healthcare Vs. ACA healthcare
Replies: 14
Views: 1508

Re: Retiree Healthcare Vs. ACA healthcare

The wife retired early because she could get ACA with a good subsidy as she no longer had income beyond her early SS. Without that, her SS would be almost entirely eaten up by health insurance and she probably would have worked another year or two. It made the decision much easier.
by rixer
Thu Aug 06, 2015 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Any method to quickly establish a credit history?
Replies: 22
Views: 1941

Re: Any method to quickly establish a credit history?

Here is how some people start. Get a secured credit card. You deposit say $500 and they give you $500 limit on your credit card. After about 3 or 4 months of history, other places such as department stores will extend you credit. Now you have built up some favorable reports with a good credit histor...
by rixer
Tue Jul 21, 2015 9:31 am
Forum: Personal Consumer Issues
Topic: Whole House Fan with Simple Automation
Replies: 12
Views: 1300

Re: Whole House Fan with Simple Automation

We have one we purchased at Home Depot years ago. It has two speeds and is pretty loud when it's running so we don't use it much at night. We found that by turning it on in the early morning, we can cool the house down, exhaust the hot air out of the attic space and then close up the house. It will ...
by rixer
Sat Jul 18, 2015 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Put checking accounts in living revocable trusts?
Replies: 14
Views: 1162

Re: Put checking accounts in living revocable trusts?

I was the successor trustee for the inlaws. They had the checking account listed under the trust so I don't know how it would have been handled if it wasn't. At any rate, the m/l passed first and later the f/l was incapacitated by alzhiemers. I just had to furnish death certificate for m/l and two d...
by rixer
Thu Jul 16, 2015 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads carry thin wallets? What's in your wallet?
Replies: 34
Views: 1954

Re: Do Bogleheads carry thin wallets? What's in your wallet?

http://www.saddlebackleather.com/walletsleeve?quantity=1&custcol2=Dark%20Coffee%20Brown&custcol15=Current Great little wallet for driver's license and 2 CC: Citi Doublecash and Barclaycard Sallie Mae. I use this exact wallet for everyday. I love it as it's thin, lightweight and fits great i...
by rixer
Sat Jul 11, 2015 5:18 pm
Forum: Personal Consumer Issues
Topic: Curtains vs. Shutters?
Replies: 7
Views: 844

Re: Curtains vs. Shutters?

We have shutters on all the windows except for the 100 inch sliding door and the large 120 inch LR window. Both of those windows are in the great room and look into the back yard. Shutters would have obstructed the view way too much for those two windows so we hung wooden rods and purchased 2 large ...
by rixer
Sat Jul 11, 2015 9:35 am
Forum: Personal Consumer Issues
Topic: Doggy Day Care services
Replies: 7
Views: 848

Re: Doggy Day Care services

We use Doggy Vacay also. We found a lady through them that lives near us and she will take in two dogs at a time. Our dog is a spoiled doxie, doesn't really like other people or dogs and we were concerned about leaving him at first. No worries, he loves it there ( maybe too much ). There is always s...
by rixer
Tue Jul 07, 2015 9:37 am
Forum: Personal Consumer Issues
Topic: Affordable sheets, 100% guarantee?
Replies: 17
Views: 1437

Re: Affordable sheets, 100% guarantee?

We like those sheets we get at Costco. They're 400 count Egyptian cotton and come with 4 pillow cases which is nice.
by rixer
Sat Jun 27, 2015 9:58 am
Forum: Personal Consumer Issues
Topic: Colorado Vacation suggestions
Replies: 53
Views: 5110

Re: Colorado Vacation suggestions

Perhaps a short stay at cannacamp...
http://cannacamp.co/
by rixer
Tue Jun 23, 2015 9:46 am
Forum: Personal Consumer Issues
Topic: Best window treatment or shades for large windows
Replies: 10
Views: 896

Re: Best window treatment or shades for large windows

We have shutters on all windows except for two big windows like yours. Those windows look into the back yard so we wanted an more unobstructed view than shutters provide. One window was 10 feet wide and the other was a 8 foot slider. Shades just didn't work on the ten foot window. Too wide. I hate v...
by rixer
Tue Jun 23, 2015 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Best Advice [Best single piece of advice to give a new investor]
Replies: 56
Views: 5057

Re: Best Advice [Best single piece of advice to give a new investor]

I'll let you figure out how much you need to save but the best advice I can give you is to "Pay Yourself First". Either have your retirement funds taken from your check and contributed to your IRA or 401k or make the deposit yourself each payday. Use this method for ALL savings. Then learn...
by rixer
Mon Jun 22, 2015 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: SS bennies
Replies: 23
Views: 3404

Re: SS bennies

I had that happen. I don't know if this is what happened with yours or not but when I was searching through my SS account, the last year showed up as "0" income. I kept waiting for them to list it correctly but it never happened. When I called about it, it turns out that because I didn't ...
by rixer
Mon Jun 22, 2015 8:24 am
Forum: Personal Finance (Not Investing)
Topic: SS bennies
Replies: 23
Views: 3404

Re: SS bennies

I had that happen. I don't know if this is what happened with yours or not but when I was searching through my SS account, the last year showed up as "0" income. I kept waiting for them to list it correctly but it never happened. When I called about it, it turns out that because I didn't h...
by rixer
Tue Jun 16, 2015 9:03 am
Forum: Personal Consumer Issues
Topic: How to remove coffee stain from carpet? [How much to pay landlord?]
Replies: 34
Views: 2716

Re: How to remove coffee stain from carpet? [How much to pay landlord?]

One option is to repair the carpet where it was bleached. You won't be able to purchase any carpet to match close enough to use as a donor insert where the damaged carpet is. However, if you have the same carpet in a closet, it's possible to take up the closet carpet and use that piece as a donor in...
by rixer
Mon Jun 15, 2015 9:30 am
Forum: Personal Consumer Issues
Topic: Cheap & Good Wrinkle-Free/Non-Iron Dress Shirts
Replies: 42
Views: 12239

Re: Cheap & Good Wrinkle-Free/Non-Iron Dress Shirts

I just picked up a couple of Dakota Grizzly shirts at Costco for $15 each. These are great shirts for being out in the sun and traveling. They are light weight, won't wrinkle if you hang them out of the drier, they have vents in the sides and back, a fold up collar to keep the sun off the neck, a se...
by rixer
Sun Jun 14, 2015 9:22 am
Forum: Personal Consumer Issues
Topic: How to remove coffee stain from carpet? [How much to pay landlord?]
Replies: 34
Views: 2716

Re: How to remove coffee stain from carpet?

I spilled coffee on a cream colored carpet and nothing would touch it. I turned to the secrets of the carpet cleaning professionals: 40 weight clear liquid hair dye developer (not the creme, the liquid). Worked like a charm, no damage to the carpet BFG Right. 40 vol developer is about a 12% mixture...
by rixer
Fri Jun 12, 2015 9:31 am
Forum: Personal Consumer Issues
Topic: Carpeting stairs
Replies: 18
Views: 1883

Re: Carpeting stairs

i'm getting ready to replace the carpet upstairs. i have no idea what the stairs look like under the carpet, but if it is possible to stain the wood and have it look nice that is what i am going to do. vacumming the carpet is one of those house chores i detest. Most often the wood underneath is sim...
by rixer
Fri Jun 12, 2015 8:02 am
Forum: Personal Finance (Not Investing)
Topic: What should my wife do if I die early? [was: Vanguard PAS as Plan B]
Replies: 18
Views: 2521

Re: What should my wife do if I die early? [was: Vanguard PAS as Plan B]

Perhaps a lifestrategy or TR fund would work for her. It's simple and kept in balance. All she would have to do is figure out how much she wants to withdraw each year.
by rixer
Tue Jun 02, 2015 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Strategies
Replies: 43
Views: 4385

Re: Social Security Strategies

If you can withdraw your application, a good option is to let the wife file early at 62, you're already FRA so you can then draw spousal on your wife until you reach age 70. Then collect your own benefit.
by rixer
Sat May 30, 2015 8:48 am
Forum: Personal Consumer Issues
Topic: Carpeting stairs
Replies: 18
Views: 1883

Re: Carpeting stairs

Carpet is sold in 12 foot wide rolls. When measuring for stairs, the proper way is to take the width of the step, divide that into 12 (the width of the carpet roll) and you know how many equal strips of carpet you can get from a 12 ft wide roll of carpet. Now measure the entire length of the stairs ...
by rixer
Thu May 21, 2015 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Medicare supplemental insurance
Replies: 71
Views: 5438

Re: Medicare supplemental insurance

I did a lot of research on this as I was getting ready to go on Medicare. I chose the Plan F Hi-Deductible and it's worked out great.
by rixer
Tue May 19, 2015 7:50 am
Forum: Investing - Theory, News & General
Topic: What's so great about simplicity?
Replies: 118
Views: 10387

Re: What's so great about simplicity?

For me, the problem is that I will let some things drift, afraid to pull the trigger. I have let too much of my FI portfolio sit in cash because I expected losses with coming rate increases. If I were all in a LS or TR fund, it would be kept in balance automatically. It's not that it's too difficult...
by rixer
Tue May 12, 2015 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Retired and putting some Lifestrategy CG fund in Taxable?
Replies: 3
Views: 448

Retired and putting some Lifestrategy CG fund in Taxable?

The wife and I are now retired. She is 63 and drawing early SS and I am close to 67 and drawing spousal for 3 more years until age 70. We have been supplementing our SS income with some savings we have in taxable and don't plan on drawing from IRA's until RMD takes effect. We will be receiving an in...
by rixer
Sat Apr 11, 2015 9:34 am
Forum: Personal Finance (Not Investing)
Topic: It's Official - We're Done
Replies: 38
Views: 8675

Re: It's Official - We're Done

Some say it's better when both don't quit work at the same time. I've heard that. I'd love to hear from the "some" who have actually done it - particularly where the high-income husband retires before the lower-income wife. I was the higher earner and retired 2 years earlier than the wife...
by rixer
Mon Apr 06, 2015 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 244
Views: 29568

Re: Kotlikoff: When Should you Take Social Security?

In my case, I am delaying because which ever one of us survives, there will only be one SS benefit from there on forward. Delaying gives us a better chance for the lone survivor.
by rixer
Sat Mar 28, 2015 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Your opinions on my portfolio
Replies: 16
Views: 2303

Re: Your opinions on my portfolio

If I'm not mistaken, the Lifestrategy Fund er is simply what the individuals index funds in it add up to. It's the same expense as if you held each one separately. So you're not really paying extra.
by rixer
Thu Mar 19, 2015 7:59 am
Forum: Personal Consumer Issues
Topic: Please recommend a good travel agent for cruises
Replies: 8
Views: 990

Re: Please recommend a good travel agent for cruises

You might check the 90 day ticker at "Vacations To Go".
by rixer
Fri Mar 06, 2015 10:36 am
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 14392

Re: When will / did you claim Social Security benefits?

I'm married and have the larger benefit. The wife claimed early SS at 63 and I filed restricted application at 66 and claimed spousal on hers. I will wait until age 70 to claim unless for any reason it becomes a hardship. I'm not going to sacrifice any living standards or forgo any travel to do this...
by rixer
Wed Mar 04, 2015 11:20 am
Forum: Personal Finance (Not Investing)
Topic: PBS NewsHour segment on Social Security
Replies: 27
Views: 4188

Re: PBS NewsHour segment on Social Security

Both of us having had full working careers, I always figured the best strategy was for both of us to delay until 70. Wife is 2 years younger than me and we both have the roughly same benefit amounts. Then I tried the free Bedrock SS calculator mentioned in a couple other threads. I was surprised by...
by rixer
Fri Feb 27, 2015 11:40 am
Forum: Personal Finance (Not Investing)
Topic: PBS NewsHour segment on Social Security
Replies: 27
Views: 4188

Re: PBS NewsHour segment on Social Security

Both of us having had full working careers, I always figured the best strategy was for both of us to delay until 70. Wife is 2 years younger than me and we both have the roughly same benefit amounts. Then I tried the free Bedrock SS calculator mentioned in a couple other threads. I was surprised by...
by rixer
Wed Feb 25, 2015 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Retiree's withdrawing from a taxable account... question.
Replies: 2
Views: 386

Re: Retiree's withdrawing from a taxable account... question

a better option? Unless you need the $100K mentioned in #2 above to live on, you might consider placing all $175K in the TSM and have the quarterly dividends sent to your checking account. That way you would have a small income increase (~$3500/yr ) but could draw on your TSM account in an emergenc...
by rixer
Wed Feb 25, 2015 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Retiree's withdrawing from a taxable account... question.
Replies: 2
Views: 386

Retiree's withdrawing from a taxable account... question.

I've learned so much from just reading these posts here that I have a great respect for Bogelheads. So I wanted to get some of your input on our situation. I retired 2 years ago and the wife just retired at the first of the year. The wife is 63, I'm 66. The wife has filed for early SS and I am drawi...
by rixer
Tue Feb 24, 2015 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Help with selling and clean out of older relative's home
Replies: 19
Views: 2184

Re: Help with selling and clean out of older relative's home

We moved my f/l in with us when he got to where he needed constant help. Before we sold the house, the family went through and chose items that they wished to keep. After that, we turned it over to an estate sale company that was highly recommended. It worked out very well as it was too emotional fo...
by rixer
Sat Feb 21, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3764

Re: Social Security statements

I am collecting spousal benefits right now. When I log into Social Security website and go to the Retirement Estimator, it displays what I would get if I claimed myself at current age and also at age 70. You can also view all years up to age 70.

Maybe it's different if you're under FRA.
by rixer
Fri Feb 06, 2015 9:48 am
Forum: Investing - Theory, News & General
Topic: Fear and investing
Replies: 12
Views: 865

Re: Fear and investing

How have you used fear to make you a better investor? I'm not sure the fear factor helps. Fear has caused me to be more conservative than I should have when I was still working. Fear has made me keep a big amount in brokered cd's and money markets instead of placing all the FI in a bond fund. That ...
by rixer
Fri Jan 30, 2015 10:16 am
Forum: Personal Finance (Not Investing)
Topic: I just filed a Restrictive App at the SS office
Replies: 39
Views: 2739

Re: I just filed a Restrictive App at the SS office

Cody, we did the same thing. The wife is 3.5 years younger so when she retired at 63, I was just a few months past 66 so I filed restricted application for spousal on her benefit. I plan to delay till 70 but knowing that I can file for my own benefit any time is comforting. It's nice to get paid whi...
by rixer
Mon Jan 26, 2015 11:42 am
Forum: Personal Consumer Issues
Topic: Hawaii Visit (Maui). Need advice
Replies: 31
Views: 2884

Re: Hawaii Visit (Maui). Need advice

If you do take a trip to Hana you'll enjoy some breath taking views along the way with waterfalls and rainbows through a beautiful rainforest. It's something I'm glad I didn't miss. When you get to Hana, go just a little further to the Seven Sacred Pools and take a dip just to say you did. :beer Fro...
by rixer
Mon Jan 26, 2015 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 42436

Re: Anyone regret paying off mortgage early?

Really confused by people who think having no mortgage means no debt. So you don't have any more house insurance payments or property tax payments? As others have mentioned, property taxes/insurance are carrying or operational costs. Also, there is no interest inherent in those charges although in ...
by rixer
Fri Jan 23, 2015 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 42436

Re: Anyone regret paying off mortgage early?

I paid my house off in 2007 and when the economy turned, work dropped off and we were able to skirt through the mess in good condition. We all need a home to live in and it's comforting knowing that even in a bad turndown, we could survive through it reasonably well. Since then the wife and I have r...

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