Search found 529 matches

Return to advanced search

Re: Best albums of 2015

I have listened to several dozen releases and "Carrie & Lowell" by Sufjan Stevens is the best of the year by a considerable margin. It is a simply brilliant meditation on perseverance in the face of abandonment and loss. I think it is his finest achievement.
by supersharpie
Tue Mar 24, 2015 11:16 am
 
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 46
Views: 2931

Re: Trip to Mexico

Bring some Pesos would be my recommendation, but I personally would not be going as I take enough chances with work to consider taking chances on vacation. A couple of links: http://travel.state.gov/content/passports/english/alertswarnings/mexico-travel-warning.html http://www.forbes.com/sites/doli...
by supersharpie
Wed Mar 11, 2015 4:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Trip to Mexico
Replies: 28
Views: 1868

Re: Trip to Mexico

roymeo wrote:I wonder what the Venn diagram for "terrified of Mexico" and "terrified of AirBnB" looks like.


+1
by supersharpie
Wed Mar 11, 2015 4:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Trip to Mexico
Replies: 28
Views: 1868

Re: Trip to Mexico

nm...
by supersharpie
Wed Mar 11, 2015 4:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Trip to Mexico
Replies: 28
Views: 1868

Re: Wife tired of saving...

Townhome is 2000 sq feet. Its an end unit. Its a townhome, not a condo or a coachhome. And its a end unit with land, if that matters and with no one above us. As for the cars, there is no hers or my car. Whoever gets a contract/client that is further, that person takes the more economical car becau...
by supersharpie
Mon Mar 09, 2015 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 19176

Re: Home workouts and motivation

I bought an elliptical in 10/2013 for $600. Since then I have been "running" about 63 miles a week. I watch travel and food shows which takes my mind off the monotony of the physical activity. My motivation is that I spent about eight years of my childhood as a "fat kid," lost ab...
by supersharpie
Sun Mar 08, 2015 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Home workouts and motivation
Replies: 60
Views: 2803

Re: Does My Daughter Need A Prenup?

Our daughter, age 25, is a high earning professional with zero debt. Her boyfriend is 27 and is a very nice guy...my wife and I like him a lot. He shares our family values. He is in sales and does "OK", but earns only about 1/3 of what daughter earns. This probably won't change. Daughter ...
by supersharpie
Fri Mar 06, 2015 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does My Daughter Need A Prenup?
Replies: 175
Views: 5802

Re: question about pensions for people with TSP

my wife works for the government and therefore has a TSP for retirement. she contributes 17500 per year (plus they match some). my question is, when she retires, does she get her TSP plus a pension (or are they basically one in the same)? are all TSP employees pension-eligible or just those in cert...
by supersharpie
Thu Mar 05, 2015 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: question about pensions for people with TSP
Replies: 11
Views: 1155

Re: Wife tired of saving...

Get your wife a new car. Start looking for a new house. This is one of the rare cases where I would recommend you find a good financial advisor. You have limited to no retirement accounts and 750k in cash/CD's. That is terri-bad. You need some professional financial help. While the advice you will ...
by supersharpie
Thu Mar 05, 2015 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 19176

Re: Elect 75% of take-home pay to 401k?

Hi guys, I wanted to get everyone's opinion on if this will be a good idea or not. I'm currently 21, senior in college, graduating in May. <snip> Another issue is that I don't think I'll live at my parents place forever (although that would be pretty awesome) <snip> Thanks for any advice in advance...
by supersharpie
Thu Mar 05, 2015 10:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Elect 75% of take-home pay to 401k?
Replies: 35
Views: 1710

Re: Elect 75% of take-home pay to 401k?

Please note the Medicare and social security taxes are on the whole enchilada, not the amount after taxes or 401k contributions. Damn..well thats even more depressing. I thought your contributions to a traditional 401k will in essence "reduce your paycheck" so you pay less in withholdings...
by supersharpie
Thu Mar 05, 2015 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Elect 75% of take-home pay to 401k?
Replies: 35
Views: 1710

Re: Wife tired of saving...

OP, please explain why you aren't utilizing tax advantaged retirement vehicles, especially the backdoor Roth. This is a foolish decision that may cost you millions in the long run.
by supersharpie
Thu Mar 05, 2015 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 19176

Re: ...it is madness to risk losing what you need in pursuin

There actually is research on the subject. If one studies the effect of asset allocation on the risk of running out of money when withdrawing from a portfolio, then for modest withdrawal rates (say about 4%) there really has been over history a slight maximum at the values you quoted. That maximum ...
by supersharpie
Mon Mar 02, 2015 5:42 pm
 
Forum: Investing - Theory, News & General
Topic: ...it is madness to risk losing what you need in pursuing wh
Replies: 48
Views: 5055

Re: Would you buy into this state defined benefit pension?

Nun, your Full Retirement Age (FRA) is $2663 is 67. Also, your US Social Security benefit may be subject to the Windfall Elimination Provision (WEP) which could significantly reduce that benefit. This is because you will be collecting a foreign pension simultaneously. You probably were aware of both...
by supersharpie
Mon Mar 02, 2015 6:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Would you buy into this state defined benefit pension?
Replies: 16
Views: 1183

Re: Is the first 100k really the hardest?

First 100k took 6 years and 3 months (June 2006 - September 2012), but there was very investing going on for the first three years of that stretch

Hit 200k 18 months later in March 2014

We are now $19,500 away from hitting 300k
by supersharpie
Sun Mar 01, 2015 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 58
Views: 9107

Re: What would you have done differently when retiring?

Don't assume that the desire to travel fades at 70. Plenty of people that age still have 5 to 15 "good years" left. My wife's grandmother is 83 and her partner is 79. They continue to travel anywhere from 6 to 12 weeks per year.
by supersharpie
Sun Jan 11, 2015 9:38 am
 
Forum: Personal Finance (Not Investing)
Topic: What would you have done differently when retiring?
Replies: 116
Views: 12845

Re: Newbie - Need high level assessment and suggestions

You should be confident that Social Security will be there for you. Any changes will only impact young workers. Politicians are in the business of getting reelected.
by supersharpie
Sun Jan 11, 2015 1:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie - Need high level assessment and suggestions
Replies: 14
Views: 907

Re: If this was your life...(portfolio/retirement)

A better plan might be waiting until 70 to file for RIB, have wife wait until age 66.5 and file for spousal benefits, then file for her RIB at 70. This will allow you both to collect your max Social Security benefits once you are both in your 70s. These benefits are inflation adjusted for life and g...
by supersharpie
Sun Jan 11, 2015 12:45 am
 
Forum: Investing - Help with Personal Investments
Topic: If this was your life...(portfolio/retirement)
Replies: 11
Views: 2214

Re: when do you start focusing on your retirement "number"

FYI, the tsp max is 18k in 2015. I am 31 and I don't really have a "number," just a plan. This is to max out my TSP and Roth IRA every year until I have my 25 years of federal employment and get an "early out" offer. This could happen as soon as 9/2031. Unless I absolutely love ...
by supersharpie
Sun Dec 28, 2014 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: when do you start focusing on your retirement "number"
Replies: 34
Views: 3553

Re: when do you start focusing on your retirement "number"

FYI, the tsp max is 18k in 2015. I am 31 and I don't really have a "number," just a plan. This is to max out my TSP and Roth IRA every year until I have my 25 years of federal employment and get an "early out" offer. This could happen as soon as 9/2031. Unless I absolutely love w...
by supersharpie
Sat Dec 27, 2014 10:45 am
 
Forum: Investing - Help with Personal Investments
Topic: when do you start focusing on your retirement "number"
Replies: 34
Views: 3553

Re: What is the best meal you've had at a restaurant?

While it may not be the best meal I've had, the one that is freshest in my mind was enjoyed at Cole's Chop House in Napa, CA in April 2013. My wife and I shared the crabmeat cocktail which is probably the best appetizer we have ever consumed. We had petite filet mignons as our entrees and they were ...
by supersharpie
Wed Dec 10, 2014 12:26 pm
 
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 88
Views: 7309

Re: Reached a minor financial milestone this month

Thanks for the kind words everyone. My hope is to be able to report in about four years that we have hit the half million mark. I know that, with decent market returns and some taxable investing, we just may join the two comma club by age 40. That is definitely our big intermediate term goal. Howeve...
by supersharpie
Mon Dec 01, 2014 6:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reached a minor financial milestone this month
Replies: 28
Views: 3850

Re: Reached a minor financial milestone this month

cfs wrote:Finishers Wanted.

Outstanding work.

Continue investing slowly and for the long run.

I can see you crossing the investing finish line with a big smile!


Thanks, we plan on avoiding lifestyle creep in the coming years. Next stops: taxable investing and paying off the mortgage early!
by supersharpie
Sat Nov 29, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reached a minor financial milestone this month
Replies: 28
Views: 3850

Re: Any State Farm employees/retirees here?

Consider that members may wish to be anonymous and not reveal who they work for. Alternatively, members can PM the OP. Is there any reason she can't ask HR (or whoever takes care of pensions)? That's the only answer which matters. You're also looking at a 24 year time-frame. Will she still be emplo...
by supersharpie
Sat Nov 29, 2014 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any State Farm employees/retirees here?
Replies: 5
Views: 671

Any State Farm employees/retirees here?

My wife is a SF employee and is only 31. However, we are doing some long range planning and have the following questions: does SF give early retirees the option of deferring their pension until they reach 62 in order to avoid the penalty? If my wife retires prior to turning 55, then what? Will she b...
by supersharpie
Sat Nov 29, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any State Farm employees/retirees here?
Replies: 5
Views: 671

Re: Reached a minor financial milestone this month

We both just turned 31 and we are hoping to retire, at least from full-time work, by 50. Congratulations on your milestone! (Can't make any comments regarding progress toward your goal, since there are far too many unstated variables. I'm sure you already know that funding that many years of retire...
by supersharpie
Sat Nov 29, 2014 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reached a minor financial milestone this month
Replies: 28
Views: 3850

Reached a minor financial milestone this month

I know it isn't a great deal of money but my wife and I passed the 250k mark in combined retirement assets this month. I wanted to take a moment and thank you kind folks because finding this forum made us realize that early retirement was a legitimate option if we started prioritizing maxing out our...
by supersharpie
Sat Nov 29, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reached a minor financial milestone this month
Replies: 28
Views: 3850

Re: When do you feel comfortable financially to have kids?

My wife and I are 31. We don't think we will be having children and it is for reasons of time rather than money. With that said, I would feel comfortable financially if we earned enough to pay for all regular annual child-related expenses and have enough left over both to max out all tax advantaged ...
by supersharpie
Sat Nov 29, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: When do you feel comfortable financially to have kids?
Replies: 59
Views: 4549

Re: An overdue update from a "panicked investor"

What has changed between then and now that makes you a) comfortable with an 80% stock allocation (seems very high based on what you wrote in 2010), and b) sufficiently confident that you won't sell everything again when the market inevitably takes another nosedive at some nondescript time in the fu...
by supersharpie
Sat Nov 29, 2014 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: An overdue update from a "panicked investor"
Replies: 86
Views: 9068

Re: Boglehead Beer

Off to go try some Goose Island Bourbon County Stout of the 2014 release, I'm sure it'll be awesome. Picked up a case today in PA...$141 w/tax. Seems ridiculous until you realize: A. It is one of finest and rarest beers distributed nationally And B. At 13.8% ABV a case packs the wallop of 12 bottle...
by supersharpie
Wed Nov 26, 2014 7:13 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 498
Views: 72967

Re: Paying my parents a salary not to touch their nest egg

I find the whole thought process behind the OP to be very distasteful. Your parents worked their whole life to support you. They should be free to enjoy their savings AND have their wealthy son to fall back on for support if needed. If you are making 375k per year you should have no need for an inhe...
by supersharpie
Wed Nov 26, 2014 7:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying my parents a salary not to touch their nest egg
Replies: 50
Views: 4582

Re: What do you splurge on?

Food, alcohol, and travel.
by supersharpie
Sun Nov 23, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 25125

Re: Help with Mom's portfolio

I am not familiar with the details, but a divorced person may have some right to Social Security benefits even if she remarried, when the subsequent marriage ends due to death or divorce, or something like that. Something for you Mom to keep in mind. My Mom lost significant benefits because she was...
by supersharpie
Sun Nov 23, 2014 7:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Mom's portfolio
Replies: 19
Views: 2850

Re: Help with Mom's portfolio

She is divorced so the widow benefits won't apply. Thanks again for you help on this. No, that is incorrect. As long as she was married to her ex, who I am assuming is/was your father, for at least 10 full years before their divorce was finalized AND she waits until her 60th birthday to get remarri...
by supersharpie
Sun Nov 23, 2014 6:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Mom's portfolio
Replies: 19
Views: 2850

Re: How premium cable can cost $59K

OP - you can play this game with all non-essential purchases. Think that vacation only really costs $5000 or that car $30,000? Think again! But really, what is the end game? To deprive yourself for decades only to die the richest person in the cemetary? As long as you are saving an adequate amount f...
by supersharpie
Sat Nov 15, 2014 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: How premium cable can cost $59K
Replies: 45
Views: 6821

Re: Obligation to Parents?

Your in-laws probably spent close to a quarter million dollars raising your wife. Yes, she does have an obligation to protect them from abject poverty in return for their past support. She does not, however, need to aid them with a "comfortable" retirement.
by supersharpie
Thu Nov 13, 2014 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Obligation to Parents?
Replies: 77
Views: 4501

Seeking recommendations for a new dishwasher

Our unit is on its last legs and we just started searching for a new one today. We are a little overwhelmed by all the options out there and would appreciate your recommendations of both what to buy and where to buy it. We would prefer to spend under $1000, inclusive of installation. Certain chains ...
by supersharpie
Sun Nov 02, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: Seeking recommendations for a new dishwasher
Replies: 15
Views: 1252

Re: Checking monthly - may not even notice the October "cras

I notice this crash, 7K lost in October, November so far breaking even, so of course one will notice the losses, this downward trend in market has been going on tail end of October into November, and so far we are far off from breaking even, about 65% of loses have been recovered but 35% S&P dr...
by supersharpie
Tue Oct 28, 2014 9:53 pm
 
Forum: Investing - Theory, News & General
Topic: Checking monthly - may not even notice the October "crash"
Replies: 51
Views: 4603

Taxable investing neophyte looking for advice

Within a year or so my wife and I will be in a position to dip our toes into taxable investing for the first time. My wife and I are presently maxing out our 401k, TSP, and Roth IRA accounts and have close to 250k in tax advantaged assets at Age 31. We want to retire somewhere between 45 and 50 and ...
by supersharpie
Tue Oct 28, 2014 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxable investing neophyte looking for advice
Replies: 2
Views: 324

Our plan to pay off our mortgage by Age 40

My wife and I are both 31. We have 24 more years left on a 30 year mortgage at a 4.75% rate. Our current monthly payment is $1210 and our principal balance is $209,700. We recently decided on the mid-term financial goal as paying off our mortgage by 40. We don't plan on having children and determine...
by supersharpie
Fri Oct 24, 2014 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Our plan to pay off our mortgage by Age 40
Replies: 10
Views: 1445

Re: Mega bus vacation with toddlers.

OP - it would be very inconsiderate of you to take your children on this bus ride.
by supersharpie
Sat Oct 18, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 2156

Re: Long term return forecast

lol...no one can predict future returns...PERIOD!

I use these reports as TP.
by supersharpie
Sat Oct 18, 2014 12:13 am
 
Forum: Investing - Theory, News & General
Topic: Long term return forecast [Research Affil. Expected returns]
Replies: 33
Views: 2641

Re: Ebola preparation

Other than barricading yourself in your house you have to accept the risk of contracting Ebola just the same as you accept the risk of getting into a fatal car accident or being murdered. You can't live your life in fear.
by supersharpie
Tue Oct 14, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Ebola preparation
Replies: 55
Views: 2690

Re: When people put all their eggs in the wrong basket

Our family had a similar experience when my uncle invested a substantial amount of my grandmother's assets in Janus IT mutual funds during the .com bubble. I don't know how much was lost. Thankfully he sold before those funds lost all of their value and she was able to stay in her expensive assisted...
by supersharpie
Thu Oct 09, 2014 7:37 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 31454

Re: Paying off a 6.5% mortgage

retiredjg wrote:There's a lot of discussion of refinancing, but that does not appear to be possible since the house is still underwater. And HARP is not available. I think paying it off is a no-brainer.


He can refinance by making a lump sum mortgage payment that would bring the LTV to 80/20.
by supersharpie
Wed Oct 08, 2014 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying off a 6.5% mortgage
Replies: 46
Views: 4284

Re: Paying off a 6.5% mortgage

I also don't see the problem with refinancing to a lower rate even if you have to bring cash to the closing. After all, you have to bring even more cash to pay off the mortgage! Exactly! For the sake of avoiding a few nuisance fees OP would be loseout on decades of investment returns, probably tota...
by supersharpie
Tue Oct 07, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying off a 6.5% mortgage
Replies: 46
Views: 4284

Re: Fleetwood Mac tour

mindboggling wrote:Fleetwood Mac? Was there wheelchair access...for the band?


Let's face it...the band members are still youngins in comparison to plenty of BHs.

FWIW, they still have "it" and I look forward to attending their show in Philly on 10/15:

https://www.youtube.com/watch?v=klDTuJmcBi4
by supersharpie
Mon Oct 06, 2014 9:23 pm
 
Forum: Personal Consumer Issues
Topic: Fleetwood Mac tour
Replies: 14
Views: 1498

Re: Should I pay off my sisters student loans?

Yes, it is obnoxious how some BHs view carrying debt as a moral failure and/or symptomatic of a character flaw.
by supersharpie
Tue Sep 30, 2014 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my sisters student loans?
Replies: 49
Views: 3858
Next

Return to advanced search