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Re: Does a larger portfolio offer benefits when rebalancing?

One thing I don't understand. If you are retired and withdrawing money once a year for income, how do you know what to sell if you don't rebalance?
by rixer
Tue Dec 02, 2014 8:34 am
 
Forum: Investing - Theory, News & General
Topic: Does a larger portfolio offer benefits when rebalancing?
Replies: 12
Views: 1020

Re: Carrying alternatives for phone, credit cards, money

I use this hand crafted wallet sleeve and carry 4 cards. Driver's lic, bank card, visa card, amex/costco card.
http://www.saddlebackleather.com/walletsleeve

I have a money clip for any cash.
by rixer
Tue Nov 25, 2014 7:22 pm
 
Forum: Personal Consumer Issues
Topic: Carrying alternatives for phone, credit cards, money
Replies: 25
Views: 2207

Re: Vacuum cleaner recommendation?

The Bissle Cleanview sells for around $75 and will out suck a Dyson. We have one and it's worked fine for about 7 years.

You don't have to mortgage the farm to buy a vacuum cleaner.
by rixer
Tue Nov 25, 2014 9:42 am
 
Forum: Personal Consumer Issues
Topic: Vacuum cleaner recommendation?
Replies: 60
Views: 9857

Re: 23 year old... Can I afford a Rolex?

I bought my Rolex in Cabo for $25...
by rixer
Sun Nov 23, 2014 8:58 am
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 13344

Re: ACA subsidy question

Remember that in addition to premium subsidies that are reconciled at tax time, there also can be cost-sharing subsidies that are not reconciled. (explained at http://www.healthinsurance.org/obamacare/the-acas-cost-sharing-subsidies) Its probably not a good idea to deliberately misstate your income...
by rixer
Thu Nov 20, 2014 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy question
Replies: 8
Views: 873

Re: ACA subsidy question

If you make too little money to qualify for a subsidy can you buy a policy through the ACA website anyway? Make more money and qualify for a subsidy by converting some money from traditional 401k/IRA to Roth. That is easy to do in reality but difficult for their website to understand apparently. Pl...
by rixer
Thu Nov 20, 2014 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy question
Replies: 8
Views: 873

Re: ACA subsidy question

If you make too much money, you won't qualify for a subsidy and you'll pay the full price. If you make too little money, you will be not be offered a plan but you'll be directed to Medicaid . If you make more than what you estimated, you may owe them instead . If you buy a plan and you make less mon...
by rixer
Thu Nov 20, 2014 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy question
Replies: 8
Views: 873

Re: Consider freezing your credit

The wife has her own credit as do I. Would we both have to freeze our credit separately or would freezing it cover both of us?
by rixer
Tue Nov 18, 2014 10:53 am
 
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 45
Views: 4543

Re: Fixing Social Security Earnings Mistake Advice

Sounds like making an appointment with the local SS office is the way to go. Hopefully that means she can be in and out of there fairly quickly. Thanks for the responses! When making your appointment with Social Security, make it for first thing in the morning (9am). This way, there won't be a wait...
by rixer
Tue Nov 18, 2014 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Fixing Social Security Earnings Mistake Advice
Replies: 11
Views: 1516

Re: The 4-year mortgage payoff plan

If I were planning to pay off my mortgage in the next 4 years I'd do a no-cost refinance into an ARM that has a rate that varies every month. Even if interest rates skyrocket, well, you've only got 4 years of payments to make. You could get a rate under 1% like that. Sometimes the best laid plans c...
by rixer
Tue Nov 11, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: The 4-year mortgage payoff plan
Replies: 121
Views: 19875

Re: anyone successfully file restricted app for spousal onli

Apparently you can do it online as somebody here mentioned. When I called to ask, they told me that if I was filing for spousal, I had to come in to the office. The wife and I scheduled their first 9AM appointment and got right in without waiting more than 5 minutes. The wife was filing for early SS...
by rixer
Mon Nov 03, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: anyone successfully file restricted app for spousal online?
Replies: 12
Views: 1363

Re: New appliances - Stainless Steel or not?

We went with white for the fridge as stainless is always dirty looking.
by rixer
Wed Oct 29, 2014 9:27 am
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 56
Views: 3528

Re: Medigap policy change. This seems like a no brainier.

Plan F Hi-D is a good choice. And if your health takes a turn for the worse, it will cover your expenses as well as reg plan F will or plan G as well. Add up your "out of pocket expenses" and you'll see Plan F Hi-D is about the same if used a lot and cheaper on those months you don't have ...
by rixer
Fri Oct 24, 2014 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap policy change. This seems like a no brainier.
Replies: 2
Views: 351

Re: Medigap Plan F, Hi-D

I have this plan with Anthem BC/BS in New Hampshire. Pleased with it, and have saved money (so far) as compared to Plan F. Charges are first sent to Medicare, then to Anthem where they just apply the amount that Medicare indicates is owed by the patient to their deductible. Once the plan's deductib...
by rixer
Tue Oct 21, 2014 11:03 am
 
Forum: Personal Consumer Issues
Topic: Medigap Plan F, Hi-D
Replies: 5
Views: 505

Re: Medigap Plan G vs Plan F?

I'm also shopping for medigap insurance as I'll turn 65 this summer. I hadn't thought about it so when my agent suggested plan F, HD I was a little hesitant. The more I think about it, the more interested I'm becoming. It covers all the expenses plan F does after 2100 deductable. In the meantime me...
by rixer
Fri Oct 17, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 60
Views: 8584

Re: Cleaning Up Leaves

What I did was hire regular yard care. Leaf cleanup is just part of the service. Every Friday, they mow, edge, manicure shrubs, keep weeds out of the planters and pick up the leaves from the yard.

I'm really liking yard care now. :happy
by rixer
Thu Oct 09, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Leaves
Replies: 40
Views: 3416

Re: Critically Acclaimed Movies you did not like

The King's Speech
Silver Linings
Lord of the Rings
by rixer
Tue Oct 07, 2014 3:20 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 13557

Re: Medicare Advantage

The way I understand it, you can switch without underwriting within the first year. After that, you could be subject to underwriting if the provider wishes.
by rixer
Sat Oct 04, 2014 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage
Replies: 2
Views: 381

Re: Repair Van or buy new Van/SUV?

I would fix the Honda and keep it. You said it's working fine and this isn't more than a standard repair. You can have it fixed for about what one monthly payment would be on a new car. Besides, in order to sell a vehicle and get anything out of it, you'll likely have to fix it anyway.
by rixer
Fri Oct 03, 2014 7:35 am
 
Forum: Personal Consumer Issues
Topic: Repair Van or buy new Van/SUV?
Replies: 20
Views: 1525

Re: New kitchen cabinets or new doors?

I have an older house also and we re-faced the kitchen cabinets for under $2,000. That was a few years ago so it would likely be a little more now. They placed new drawer faces on the drawers, new doors and veneered the cabinet face. To look at them, they looked new and we didn't spend a fortune on...
by rixer
Tue Sep 30, 2014 8:52 am
 
Forum: Personal Consumer Issues
Topic: New kitchen cabinets or new doors?
Replies: 28
Views: 1995

Re: New kitchen cabinets or new doors?

I have an older house also and we re-faced the kitchen cabinets for under $2,000. That was a few years ago so it would likely be a little more now. They placed new drawer faces on the drawers, new doors and veneered the cabinet face. To look at them, they looked new and we didn't spend a fortune on ...
by rixer
Tue Sep 30, 2014 8:34 am
 
Forum: Personal Consumer Issues
Topic: New kitchen cabinets or new doors?
Replies: 28
Views: 1995

Re: Paid off mortgage today

Congratulations!
by rixer
Sat Sep 27, 2014 11:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage today
Replies: 26
Views: 3232

Re: Treadmills [vs. Ellipticals]

You can also join Crunch Gym for $9.99 a month and use all of their equipment and they maintain it.
by rixer
Sat Sep 27, 2014 8:03 am
 
Forum: Personal Consumer Issues
Topic: Treadmills [vs. Ellipticals]
Replies: 55
Views: 4033

Re: Question about medicare, myself, and spouse

I would probably take the medicare for you and see about Affordable Healthcare for the wife and kid.
by rixer
Fri Sep 26, 2014 8:06 am
 
Forum: Personal Consumer Issues
Topic: Question about medicare, myself, and spouse
Replies: 9
Views: 841

Re: Who holds your Solo 401k?

Schwab
by rixer
Wed Sep 24, 2014 3:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Who holds your Solo 401k?
Replies: 37
Views: 2428

Re: Barron's article: Don't Panic! (retirement news & theory

I consider myself very fortunate.

I like welfare cheese. :sharebeer
by rixer
Mon Sep 22, 2014 4:41 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's article: Don't Panic! (retirement news & theory)
Replies: 28
Views: 3867

Re: Signing up for medicare Oct 1

They are all required by medicare to provide the same benefits I believe. I would pick the cheapest one.
by rixer
Fri Sep 19, 2014 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 34
Views: 3057

Re: Part D Sticker Shock

Do you have the Humana Walmart RX Plan available? At medicare.com it shows it's $12.60 mth but that is for the rest of the year. It isn't clear to me what it will be in 2015.
by rixer
Fri Sep 19, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Medicare] Part D Sticker Shock
Replies: 21
Views: 2396

Re: Should I buy another fridge or freezer? Or neither?

I would get the freezer and as luck would have it, Costco sells them also. :happy
by rixer
Fri Sep 19, 2014 9:29 am
 
Forum: Personal Consumer Issues
Topic: Should I buy another fridge or freezer? Or neither?
Replies: 16
Views: 1069

Re: How to Contact IRS to suspend tax levy on paycheck

Years ago that happened to me. I went to the bank and found out the IRS locked my bank account. I didn't have a person to call so I just called IRS and they made an appt for me to come in and talk. I went down there, explained the situation and they released my bank account back to me and set up pay...
by rixer
Fri Sep 19, 2014 7:11 am
 
Forum: Personal Finance (Not Investing)
Topic: How to Contact IRS to suspend tax levy on paycheck
Replies: 25
Views: 1883

Re: pet tags?

We got one for the dog at Petco ( pet store ). They have an automated machine that makes them right there. It engraves the info on a metal tag and you have several style choices. We were happy with it.
by rixer
Fri Sep 19, 2014 6:59 am
 
Forum: Personal Consumer Issues
Topic: pet tags?
Replies: 8
Views: 678

Re: Retiree Poll: Do you own your primary residence?

We paid our home off about 7 years ago. At the time, it didn't really sink in, we were still saving everything we could and didn't have any more money available to spend. That has changed since retirement. Now that I don't have an income from work, without that house payment and being on Medicare, i...
by rixer
Sun Sep 14, 2014 9:05 am
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Do you own your primary residence?
Replies: 18
Views: 1655

Re: Why do so many think their home is a foolproof investmen

Wildebeest wrote:A home a foolproof investment?

The risk of owning a house, you can not afford, is a hole you may not be able to dig yourself out of as far as saving for retirement.



My advice would be to not buy a home you can't afford.
by rixer
Sat Sep 13, 2014 9:58 am
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 6655

Re: Why do so many think their home is a foolproof investmen

Interesting replies so far. Let me add another thing most people overlook: Property Taxes. In my state, Texas, it averages around 3% annually of the value of the home! (at least in Dallas/Austin/Houston) Even if you predict your home will earn a 3% nominal return (not sure why just throwing that ou...
by rixer
Sat Sep 13, 2014 9:35 am
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 6655

Re: Why do so many think their home is a foolproof investmen

Interesting replies so far. Let me add another thing most people overlook: Property Taxes. In my state, Texas, it averages around 3% annually of the value of the home! (at least in Dallas/Austin/Houston) Even if you predict your home will earn a 3% nominal return (not sure why just throwing that ou...
by rixer
Sat Sep 13, 2014 9:31 am
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 6655

Re: Why do so many think their home is a foolproof investmen

Your home may not be a foolproof investment but it's a valuable asset to own once it's paid for. Especially when it's time to retire.
At any rate, timing is everything and many people have made fortunes in RE. I wouldn't want to 'not' own a home.
by rixer
Sat Sep 13, 2014 9:17 am
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 6655

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Hawaii, you pick the Island. It's clean, safe, can be cheap if you rent a VRBO or AirB&B, they speak English so no language barrier, there is plenty to do and there are people from all over the world to meet.
by rixer
Sat Sep 13, 2014 7:34 am
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5919

Re: Did Social Security make a mistake in calculating benefi

He should call Social Security by phone and ask them.
by rixer
Thu Sep 11, 2014 11:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did Social Security make a mistake in calculating benefits?
Replies: 17
Views: 2325

Re: Costco vs Amazon?

Excluding price, some things are just packaged better at Costco. Such as hamburger, you can get it in a frozen package of separately wrapped individual 1lb chubs. Very handy. The frozen skinless chicken breasts are also sold in bags of individually wrapped breasts that make it easy store in the free...
by rixer
Thu Sep 11, 2014 11:45 am
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 5285

Re: Suggestions for a Western States road trip?

You're planning a nice trip and there's a lot of good suggestions here. I once took a similar route and thinking I would drive into Yellowstone, see some sights, kick around the next day and be on my way. What happened was that I found Yellowstone so captivating, it took me about 4 days before I cou...
by rixer
Wed Sep 10, 2014 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Suggestions for a Western States road trip?
Replies: 21
Views: 2097

Re: Besides pay and mobility, great job: What to do?

freddie wrote:It seems to me that she is rapidly approaching the point where she will not be able to be a lawyer (i.e. enough years out and no one will ever hire her) so if that is a goal in life, she better do it now rather than later.


I would agree with this.
by rixer
Wed Sep 10, 2014 9:48 am
 
Forum: Personal Consumer Issues
Topic: Besides pay and mobility, great job: What to do?
Replies: 11
Views: 1298

Re: Remove Cigarette Smoke Smell from House?

As to the ozone air cleaners, they may get rid of the smell, I can't speak to that, but they do not filter out the harmful particles from smoke. The particles are too small to be effectively removed by any air cleaner technology on the market, according to my pulmonologist. Ozone works not by filte...
by rixer
Tue Sep 09, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Remove Cigarette Smoke Smell from House?
Replies: 20
Views: 1500

Re: Remove Cigarette Smoke Smell from House?

You might check into renting a good ozone machine and run it before you move in.
by rixer
Mon Sep 08, 2014 5:51 pm
 
Forum: Personal Consumer Issues
Topic: Remove Cigarette Smoke Smell from House?
Replies: 20
Views: 1500

Re: Need help arrive at monthly expenses after retirement

I've been using this, give it a look and see if it will work for you.

https://drive.google.com/previewtemplat ... ode=public
by rixer
Mon Sep 08, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help arrive at monthly expenses after retirement
Replies: 25
Views: 1676

Re: Suggestions for 10 days on Hawaiian Islands

Our favorite Island is Kauai because it's more lay-back. If you're going to the Islands for the first time with teenage kids, I'd recommend Maui. I'd stay there the whole ten days, there's plenty to see, do and explore. We prefer to just visit one Island when vacationing.
by rixer
Mon Sep 08, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Suggestions for 10 days on Hawaiian Islands
Replies: 24
Views: 1499

Re: Social Security Delayed Retirement Credits

Am I missing something? Someone pointed out in a PM that I missed the part that said; your delayed retirement credits for months from the month of attainment of full retirement age through the end of the year prior to the year of filing will be included in the computation of your initial benefit am...
by rixer
Sun Sep 07, 2014 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Delayed Retirement Credits
Replies: 43
Views: 3745

Re: If you had an extra $100,000

I would spend about 10k on some minor home improvement and place what I was able to in tax advantaged. The rest would be added to my AA in taxable.
by rixer
Sun Sep 07, 2014 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 68
Views: 7598

Re: How do you keep your electricity bill low?

We live in Ca also. It gets hot during the day and it cools down about 30 degree;s or so at night. We have ceiling fans in every room, energy efficient windows and a whole house fan. Since CA is a dry climate, the whole house fan works great. We run the fan for about 30-45 minutes in the early morn...
by rixer
Thu Sep 04, 2014 7:03 pm
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9685

Re: Hidden car key a thing of the past?

......
by rixer
Thu Sep 04, 2014 9:01 am
 
Forum: Personal Consumer Issues
Topic: Hidden car key a thing of the past?
Replies: 26
Views: 2696
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