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Re: On average, how often do you check your investment balan

I check it a few times a week but it can approach every day. There are certain times of the month I post the balances into my spreadsheets (checkpoints). When I see I am nearing a rebalancing band, I keep an eye on the balances daily, too. Whenever a transaction is due, either an automated one such ...
by scrabbler1
Thu Dec 18, 2014 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: On average, how often do you check your investment balances?
Replies: 53
Views: 3304

Re: WHY is retirement enjoyable / something to look forward

When I was in my 20s, I had a lot more energy to do stuff on weeknights after working all day. I was busy nearly every night. But I gradually ditched most of those things, and my former company expanding its workday by 30 minutes did not help. My salary was rising pretty fast and I was getting promo...
by scrabbler1
Wed Dec 17, 2014 9:42 am
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 145
Views: 8840

Re: AA for Early Retirement

As someone who retired at age 45 six years ago, I have different AAs for my taxable account, the one which pays my bills now and until I turn ~59.5, and for my IRA which I can begin tapping into in an unfettered basis once I turn ~59.5. I have in my taxable account about 2/3 bonds and 1/3 stocks wh...
by scrabbler1
Wed Dec 17, 2014 9:13 am
 
Forum: Investing - Help with Personal Investments
Topic: AA for Early Retirement
Replies: 21
Views: 2283

Re: AA for Early Retirement

For those who retired, say, in your 40s or 50s, what, if anything, did you do to adjust your AA in retirement for the fact that you are/were so much younger than usual retirement age? As someone who retired at age 45 six years ago, I have different AAs for my taxable account, the one which pays my ...
by scrabbler1
Wed Dec 17, 2014 12:18 am
 
Forum: Investing - Help with Personal Investments
Topic: AA for Early Retirement
Replies: 21
Views: 2283

Re: Paying Estimated Taxes, Due Date, Paying Monthly/Online?

After I made my first (federal) estimated tax payment in the late 1990s, I received every year since that time preprinted vouchers for each quarter and envelopes to put them in. I just choose the voucher for the period in progress, write a check, and stick them both into one of the envelopes. I send...
by scrabbler1
Tue Dec 16, 2014 11:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying Estimated Taxes, Due Date, Paying Monthly/Online?
Replies: 17
Views: 1684

Re: Poll: Your Portfolio Tax Diversification

Being an early retiree, I am very close to halfway between 75/25 taxable/tax-deferred and 50/50 taxable/tax-deferred, but I chose 75/25 because I am slightly closer to that (65/35).
by scrabbler1
Tue Dec 16, 2014 7:56 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Your Portfolio Tax Diversification
Replies: 45
Views: 2454

Re: (Poll) Did you tap into emergency fund in the past 10 ye

As an early retiree for the last 6 years, my multi-tiered EF has changed a bit from before I ERed versus after. I have a tiered EF so I am choosing the second tier in answering the poll. My first tier is a small surplus or cushion (about $750) I keep in my local bank's checking account to cover smal...
by scrabbler1
Sat Dec 13, 2014 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: (Poll) Did you tap into emergency fund in the past 10 years?
Replies: 56
Views: 4010

Re: Are you a Morning Person?

When I was working, I was more of a morning person until I couldn't stand the commute along with the morning routine of rushing around to catch my train. Now I rarely have to get up early to do something beyond driving my ladyfriend to work (5 minutes away, and I can come home and go back to sleep)....
by scrabbler1
Thu Dec 11, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Are you a Morning Person?
Replies: 15
Views: 1141

Re: Another (Basic?) Question On Bunching Deductions

If you want to bunch estimated state income tax payments for 2015, then make your 4th quarter 2014 estimated state income tax payment in the first 2 weeks of January, 2015 (due around Jan 15), then your 4th quarter 2015 estimated state income tax payments before December 31, 2015, putting both years...
by scrabbler1
Wed Dec 10, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another (Basic?) Question On Bunching Deductions
Replies: 7
Views: 524

Re: Another (Basic?) Question On Bunching Deductions

And to the other half of the equation - can anyone just send in an estimated tax payment of however much they want at any time (assuming they aren't required to make estimated tax payments)? Do I just send it in with the normal ES form and it will get credited to my 2015 taxes? That's what I have b...
by scrabbler1
Wed Dec 10, 2014 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another (Basic?) Question On Bunching Deductions
Replies: 7
Views: 524

Re: Why did you quit your job?

I quit my job in 2008 because I had become financially independent at age 45 and could simply retire and live off my investment income.
by scrabbler1
Wed Dec 10, 2014 12:33 am
 
Forum: Personal Consumer Issues
Topic: Why did you quit your job?
Replies: 37
Views: 4242

Re: Another (Basic?) Question On Bunching Deductions

As an early retiree, I have been investigating the benefit of bunching deductions. I have no W-2 income so I have much more control over my income taxes. The main way I can bunch my deductions is with the 4th quarter estimated state income taxes. They are due Jan 15, give or take a day or two, but I...
by scrabbler1
Wed Dec 10, 2014 12:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Another (Basic?) Question On Bunching Deductions
Replies: 7
Views: 524

Re: Tax Planning - Bunching of Deductions

Starting this year, I will begin bunching my itemized deductions. The main item which will enable me to do this is the 4th quarter estimated state income tax payment which I paid in January 2014 (for my 2013 taxes) and I will pay later this month (for my 2014 taxes). One thing I have to watch out fo...
by scrabbler1
Mon Dec 08, 2014 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Planning - Bunching of Deductions
Replies: 12
Views: 1080

Re: Withholding of Taxes on MRDs

My friend has an inherited IRA with Fidelity since late 2012. With my help, we use nearly the entire RMD to pay some of his income taxes via withholding, mostly for state income taxes and some for federal taxes.
by scrabbler1
Mon Dec 08, 2014 5:05 pm
 
Forum: Investing - Theory, News & General
Topic: Withholding of Taxes on MRDs
Replies: 8
Views: 585

Re: How do you rebalance?

I have two different criteria for rebalancing - one for my IRA and the other for my taxable acount (I am an early retiree who lives off the income from the taxable account). For my IRA I use bands (which is how I answered the poll) but in my taxable account I rebalance more on intuition and income n...
by scrabbler1
Thu Dec 04, 2014 8:56 am
 
Forum: Investing - Theory, News & General
Topic: How do you rebalance?
Replies: 40
Views: 3153

Re: [Poll] What's Your Tax Prep Strategy?

I don't see an option for "doing it myself with pencil and printed forms", which is what I do and have been doing for more than 50 years. It never takes me very much time, even with a rental condo. Last year I tried Free Fillable Forms and wound up using it for about 50% of the forms, inc...
by scrabbler1
Thu Dec 04, 2014 12:08 am
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] What's Your Tax Prep Strategy?
Replies: 64
Views: 3715

Re: Share your networth progression

#1. Go to the best school that you can get into, #2. Major in the highest, in expected income, field, #3. Work your ass of in school. Do multiple internships with high profile companies, #4. Pick a job / profession that would maximize income, #5. Don't stay in the same job too long. Statistics show...
by scrabbler1
Wed Dec 03, 2014 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 132
Views: 24147

Re: Honor Societies (any point?)

I was invited back in 1985, my senior year in college, to join Beta Gamma Sigma, some honor society. They charged some small fee like $40 or $50 and had an induction ceremony the inductees' parents were invited to attend. I might have gotten a certificate but I'd be damned if I know where it is. Nea...
by scrabbler1
Thu Nov 27, 2014 8:49 pm
 
Forum: Personal Consumer Issues
Topic: Honor Societies (any point?)
Replies: 35
Views: 2298

Re: POLL: Do you personally own a cell phone?

I have never owned a cell phone. I have no interest in one.
by scrabbler1
Sun Nov 23, 2014 12:02 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 52
Views: 2940

Re: Poll: Net cost of your checking account annually?

I paid about $10 for 5 years of paper checks, so about $2 a year. However, my credit card cashback rewards pays me an extra 10% of the reward if I deposit it directly into my checking account. So, in theory, that could be considered income like interest income, although I just consider it an enhance...
by scrabbler1
Wed Nov 19, 2014 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Net cost of your checking account annually?
Replies: 44
Views: 2837

Re: Bogleheads, tell me about your 40's?

My 40s began in 2003, a very exciting year for me in many ways, not all of them mentionable in this forum :wink: . I was already 2 years into working part-time, and that would continue for 5 more years until I fully retired in 2008 at age 45. I saw the value of my company stock skyrocket in those 5 ...
by scrabbler1
Sat Nov 15, 2014 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 103
Views: 17339

Re: Any Legal ways to lower MAGI for ACA signup?

I am near the top end of MAGI to qualify for an ACA subsidy. If I happen to receive an unexpectedly large cap gains distribution near the end of the year, I have in reserve some TLH I can do to bring my MAGI down and continue to get the subsidy. It is not an endless supply of TLH, so if this happens...
by scrabbler1
Sat Nov 08, 2014 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any Legal ways to lower MAGI for ACA signup?
Replies: 34
Views: 4392

Re: Should one auto-reinvest dividends in taxable?

Before I became an early retiree 6 years ago, I always auto-reinvested my dividends and cap gains. Most of the time it was back into the fund which generated the distributions, but sometimes I did a dividend "sweep" and invested the distributions into a different fund, using the dividends ...
by scrabbler1
Thu Nov 06, 2014 9:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Should one auto-reinvest dividends in taxable?
Replies: 19
Views: 2072

Re: Coupons? Do you live by them?

Rarely if ever for going out to eat. I am a single woman. Most coupons for restaurants are buy one dinner and two beverages and get the second dinner half price (or maybe free) - and sometimes they are dine in only. Well, I usually don't want a "beverage" other than water, and I certainly...
by scrabbler1
Sun Nov 02, 2014 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Coupons? Do you live by them?
Replies: 66
Views: 4180

Re: Inherited IRA RMD - keep funds in cash or ???

I am helping a friend out who has an inherited IRA worth about $100k. It has a bond, some shares of company stock, some closed-end mutual funds, and a bond fund I had him open to put the large amount of cash which was part of the original IRA's contents. The IRA generates its own cash every year fro...
by scrabbler1
Sat Nov 01, 2014 10:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA RMD - keep funds in cash or ???
Replies: 4
Views: 399

Re: Coupons? Do you live by them?

As another poster mentioned, coupons are often for overpriced items which are still too costly even after applying a coupon to the price. Hang on to the coupon until the item is on sale. The coupons have expiration dates. I held on to that Italian meatballs coupon forover a year and I never saw it ...
by scrabbler1
Fri Oct 31, 2014 1:59 pm
 
Forum: Personal Consumer Issues
Topic: Coupons? Do you live by them?
Replies: 66
Views: 4180

Re: Coupons? Do you live by them?

I don't seek out coupons. Once in a while, when I'd call a food manufacturer to complain about one of their products, they'd send me some decent coupons. (One time, I had a big battle redeeming one of them in my local supermarket, requiring a few phone calls and emails to both the store's home offic...
by scrabbler1
Fri Oct 31, 2014 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Coupons? Do you live by them?
Replies: 66
Views: 4180

Re: Family Car Insurance Review Requested

Your UM rates are high because you have stacked coverage. This means you are buying 200/600 on each car. I am not sure, as I did not work on Florida much in my 23 years working in the auto insurance industry, but stacking may be optional in Florida. Either that, or you can reduce your UM limits to 5...
by scrabbler1
Tue Oct 28, 2014 11:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family Car Insurance Review Requested
Replies: 20
Views: 1033

Re: Store or cut up un-needed credit cards?

I stored mine until the banks told me they were closing the accounts due to nonuse, then I cut them up. They gave me a few months to use the card again to keep them active but I wasn't interested. I also made sure to shred any relevant paperwork I had on them which included personal or account infor...
by scrabbler1
Mon Oct 27, 2014 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Store or cut up un-needed credit cards?
Replies: 28
Views: 2608

Re: Do you dream about retirement?

I dreamt about retirement in 2007 and 2008 when the pieces of my early retirement plan were falling into place but were not quite all there yet. This Friday will mark 6 years of retirement since I retired in 2008 at 45. :)
by scrabbler1
Mon Oct 27, 2014 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you dream about retirement?
Replies: 91
Views: 6891

Re: Asset allocation in inherited IRA's

My friend has an inherited IRA but also has his own Roth IRA and money in a 457b savings plan. His Roth and 457b are mostly in stock funds while the inherited IRA is mostly bonds and bond funds, giving him a pretty balanced AA (54/40/6) in his retirement accounts. What I helped set up for him is to ...
by scrabbler1
Mon Oct 27, 2014 8:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation in inherited IRA's
Replies: 11
Views: 875

Re: anticipating tax rate in retirement

As an early retiree for the last 6 years, I have investment income taxed at many different rates (and don't forget that your state may tax income types differently than the Feds do). I have the following types: (1) stock fund dividends (2) taxable bond fund dividends (3) tax-exempt bond fund divide...
by scrabbler1
Sun Oct 26, 2014 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: anticipating tax rate in retirement
Replies: 14
Views: 1774

Re: anticipating tax rate in retirement

As an early retiree for the last 6 years, I have investment income taxed at many different rates (and don't forget that your state may tax income types differently than the Feds do). I have the following types: (1) stock fund dividends (2) taxable bond fund dividends (3) tax-exempt bond fund dividen...
by scrabbler1
Sat Oct 25, 2014 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: anticipating tax rate in retirement
Replies: 14
Views: 1774

Re: "I've had it" at work - how often

[I worked part-time for 7 years before I retired in 2008 at age 45. In those 7 years, I had 3 different part-time work arrangements (with the same employer). One PT arrangement was working mostly from home and going to the office one day a week, with 20 hours per week total. That lasted for about 2...
by scrabbler1
Wed Oct 22, 2014 7:14 am
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12726

Re: "I've had it" at work - how often

How many of you who have "had it at work" think burnout/working too many hours is a major contributor to your unhappiness? In my case, working too many hours is definitely a major factor. There isn't any activity I love so much that I want to do it for 60+ hours/week. I mean, I love brown...
by scrabbler1
Tue Oct 21, 2014 7:20 am
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12726

Re: How do you wash your car?

Once a year, in the spring, I bring the car to my local car wash and I pay the $6 to run it through the conveyor belt. Until a few years ago, I'd get a $1-off coupon but I haven't seen any of those in a while. I live in an apartment building and my car is in an indoor, heated garage most of the time...
by scrabbler1
Mon Oct 20, 2014 11:49 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 7406

Re: Debit Card was hacked. Should I just use cash from now

Cash for relatively small purchases and gas (which often is not a small purchase) Credit cards for the rest. See for me if I had to pick just one thing for CC it would be gas because most stations here don't take cash at the pumps so you have to go inside and wait in line to prepay with cash. I use...
by scrabbler1
Mon Oct 20, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 56
Views: 3984

Re: POLL: How fulfilling is your retirement?

I am 2 weeks shy of 6 years into my early retirement (I am 51 now). No big surprises, it has been as I expected. I was working part-time for 7 years before I fully retired in 2008, so it wasn't a huge change to my everyday life. Things I had been able to do nearly every day I could now do every day....
by scrabbler1
Sun Oct 19, 2014 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 34
Views: 3072

Re: What will you do when you retire?

I retired 6 years ago (October 31) at age 45. I had been working part-time for 7 years before that so it wasn't a huge change to my everyday life to go from working PT to not at all. It was in those 7 years I had built up some activities (hobbies, volunteer work), some new and some resurrected from ...
by scrabbler1
Sat Oct 18, 2014 6:45 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What will you do when you retire?
Replies: 39
Views: 4340

Re: Debit Card was hacked. Should I just use cash from now

The way I use money in my transactions has evolved in the last few years. I used to use cash for nearly all of my small, everyday purchases but once I got online banking in 2010 and a cashback CC through the same local bank in 2013, it became far more convenient (and profitable) to use the CC more o...
by scrabbler1
Sat Oct 18, 2014 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 56
Views: 3984

Re: "I've had it" at work - how often

I remember in my final ~9 months of working (part-time, only 2 days a week) back in 2008, I often asked myself, "Why am I still working here?" when I began my trip home or to the office. I hated the commute, even 2 days a week. I was working hard on my early retirement plan and knew the da...
by scrabbler1
Sat Oct 18, 2014 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12726

Re: Calculating dividend yield

For my bond funds which pay monthly dividends, I calculate an annualized monthly yield and a latest-12-month yield. Annualized monthly yield is {{[(# shares bought or would have been bought had reinvestment been chosen) / (previous share balance)] + 1} ^ 12} - 1 Latest 12-month yield is the product ...
by scrabbler1
Sun Oct 12, 2014 11:42 pm
 
Forum: Investing - Theory, News & General
Topic: Calculating dividend yield
Replies: 9
Views: 874

Re: Calculating RMDs

My friend has an inherited IRA through Fidelity. Not only does Fido tell him in its website what the RMD is at the start of the year, it shows him how it is calculated
by scrabbler1
Sun Oct 12, 2014 11:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculating RMDs
Replies: 14
Views: 1956

Re: Retired and end of month checking account balance?

I target $1,500 whose excess over minimum account balances to avoid monthly fees acts as a first-tier EF. Over the years, including when I was working, that amount varied a bit according to the minimum account balances at my local bank. Also, when I was working, the excess over the minimum was a lit...
by scrabbler1
Sun Oct 12, 2014 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retired and end of month checking account balance?
Replies: 21
Views: 2516

Re: Possible Uninsured Motorist accident - UPDATE

When I bought new cars in 1992 and 2007, I traded in my old car each time. This enabled me to keep my existing license plate and saved me a few bucks. The salesman removed the plates from my trade-in and attached them to my new car after we completed all the paperwork. I am in New York.
by scrabbler1
Sat Oct 11, 2014 9:07 pm
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3724

Re: Why Hold Cash in Retirement Account

I don't keep any cash in my own IRA, but my friend keeps a small amount of cash in his inherited IRA because he has to make RMDs every year. I have it set up so that his investments every year generate slightly more than his RMD so when the time comes all he has to do is transfer the RMD from the IR...
by scrabbler1
Wed Oct 08, 2014 10:27 pm
 
Forum: Investing - Theory, News & General
Topic: Why Hold Cash in Retirement Account
Replies: 21
Views: 1756

Re: Things that you will not spend money on and most people

Alcohol, tobacco products, lottery tickets, cell phone, coffee, expensive hobbies.
by scrabbler1
Wed Oct 08, 2014 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Things that you will not spend money on and most people do?
Replies: 78
Views: 4202

Re: Retirees only, what was you average investment return?

It was just over 10% for me but that was due in large part to the exploding value of the company stock which was in my 401k/ESOP account. Without the ESOP it had been just over 7% but in late 2008 when I had to liquidate it and do a rollover of the non-ESOP into an IRA it had dropped to just below 7...
by scrabbler1
Wed Oct 08, 2014 7:00 am
 
Forum: Investing - Theory, News & General
Topic: Retirees only, what was you average investment return?
Replies: 49
Views: 3578

Re: Rollover my Publix ESOP

305749 wrote:Can anyone please clarify whether or not NUA rules can be used for privately held company shares such as those for Publix? I was told by Schwab that it can only be used for publicly traded shares.

thanks


I used NUA when I cashed out my company stock which at the time was privately held.
by scrabbler1
Tue Oct 07, 2014 10:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rollover my Publix ESOP
Replies: 11
Views: 1055

Re: Real life windfall experiences?

My big windfall was the $300k in company stock I was able to cash in back in 2008 and retire at age 45. I did not have to buy this stock, it was a bennie on top of the 401k matching, the frozen company pension, and the cash balance program (replaced the pension) which were part of my overall benefit...
by scrabbler1
Tue Oct 07, 2014 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Real life windfall experiences?
Replies: 23
Views: 4510
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