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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 10:53 pm
 
Forum: Investing - Theory, News & General
Topic: Checking monthly - may not even notice the October "crash"
Replies: 41
Views: 2702

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 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable investing neophyte looking for advice
Replies: 2
Views: 296

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 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Our plan to pay off our mortgage by Age 40
Replies: 10
Views: 1337

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 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 1920

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 1:13 am
 
Forum: Investing - Theory, News & General
Topic: Long term return forecast [Research Affil. Expected returns]
Replies: 33
Views: 2444

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 2:11 pm
 
Forum: Personal Consumer Issues
Topic: Ebola preparation
Replies: 55
Views: 2245

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 8:37 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 26156

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 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying off a 6.5% mortgage
Replies: 46
Views: 3574

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 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying off a 6.5% mortgage
Replies: 46
Views: 3574

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 10:23 pm
 
Forum: Personal Consumer Issues
Topic: Fleetwood Mac tour
Replies: 14
Views: 1405

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 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my sisters student loans?
Replies: 49
Views: 3592

Re: Should I pay off my sisters student loans?

InvestorNewb wrote:Why is your sister not getting any part of the windfall?


I am wondering this myself. What is the source, in general terms, of your windfall OP? Is anyone else in your family getting one? What is your sister's attitude about your windfall?
by supersharpie
Tue Sep 30, 2014 8:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my sisters student loans?
Replies: 49
Views: 3592

Re: SE PA Roofing Contractor?

I used G Fedale in 10/2013 to replace our roof and was throughly impressed. They managed to install the roof in one day by working from dawn til dusk for a very fair price. A 10 year transferable worksmanship guarantee is included which was a plus for us since we plan to sell our home within a few y...
by supersharpie
Wed Sep 10, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: SE PA Roofing Contractor?
Replies: 2
Views: 203

Re: Rather macabre but necessary question

I'm sorry to hear about your illness and admire you greatly for already planning new adventures. I'm not certain what you mean about how to think about "stuff like this financially." Do you mean immediate retirement, financing your travel, or costs of medical treatment, or house sale, por...
by supersharpie
Tue Sep 09, 2014 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rather macabre but necessary question
Replies: 74
Views: 6389

Re: Favorite airbnb/vrbo properties?

Is this a thread of advertisements? No, although I am a bit of cynic and can understand why you might think so. I really just want people to post links to their favorite properties for our own future travel planning purposes. The reviews on airbnb and vrbo are useful but sorting through close to a ...
by supersharpie
Tue Sep 09, 2014 8:03 am
 
Forum: Personal Consumer Issues
Topic: Favorite airbnb/vrbo properties?
Replies: 7
Views: 994

Favorite airbnb/vrbo properties?

These two rental sites in particular have been a revelation and huge money saver for my wife and me over the past couple years. We have stayed at close to 10 properties and were only somewhat disappointed once. The rest have been unqualified bargins. I wanted to find out where other bogleheads have ...
by supersharpie
Mon Sep 08, 2014 10:26 am
 
Forum: Personal Consumer Issues
Topic: Favorite airbnb/vrbo properties?
Replies: 7
Views: 994

Re: NYC [Visit to New York City]

Spend at least a full day in Brooklyn. That is the most alive borough in NYC at the moment and has experienced tremendous revitalization/gentrification over the past 20 years. What makes it especially unique is just how well people get along with one another: blacks, whites, middle easterners, asian...
by supersharpie
Sun Aug 31, 2014 10:22 am
 
Forum: Personal Consumer Issues
Topic: NYC [Visit to New York City]
Replies: 45
Views: 2187

Re: Does your employer still offer pensions to new hires?

No. I would be surprised to find many non-government jobs that still offer DB pension plans to new employees. If you find any, they are likely to be in companies that have unionized blue-collar employees. I worked for Megacorp #1 until 2004 and had a DB pension. Around 2000 they switched new employ...
by supersharpie
Sun Aug 31, 2014 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 3929

Re: Costco:is it worth it for just two people?

The free samples alone make it worth your while!
by supersharpie
Sat Aug 30, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 12393

Re: Does your employer still offer pensions to new hires?

No. I would be surprised to find many non-government jobs that still offer DB pension plans to new employees. If you find any, they are likely to be in companies that have unionized blue-collar employees. I worked for Megacorp #1 until 2004 and had a DB pension. Around 2000 they switched new employ...
by supersharpie
Sat Aug 30, 2014 8:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 3929

Does your employer still offer pensions to new hires?

This question is only for employees in the US. Both my wife and I are considering eventually leaving our employers but are right now limiting our options to employers that still offer a defined pension program. Please share the details of the plans as these are not generally available on the company...
by supersharpie
Sat Aug 30, 2014 7:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 3929

Re: Help for my sister

Yes, she was divorced about 20 years ago. Will collect on part her ex's SS when she turns 66. $300.00 does sound low, but all she'll pay for will be a car loan & HC. Thanks for your rapid replies. She can't delay taking the ex-spousal benefit until 66. An application for early retirement is a &...
by supersharpie
Sun Jun 29, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help for my sister
Replies: 21
Views: 1939

Re: Need Advice on Retiring at 50

I have managed to save a decent amount of money over the years with $11m in mutual funds + $1.5m in cash. House and cars paid, kids college fund also paid and not counted in this number. Gross annual expenditures have creaped up over time and now stands at around $250k excluding taxes. Company i he...
by supersharpie
Sun Jun 01, 2014 10:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice on Retiring at 50
Replies: 8
Views: 1243

Re: 529? What if they don't go to college

[OT comment removed by admin LadyGeek]
by supersharpie
Sat May 31, 2014 4:54 pm
 
Forum: Investing - Theory, News & General
Topic: 529? What if they don't go to college
Replies: 70
Views: 6217

Re: Poll: Are you going to retire? And if so, when?

I want to retire today (age 52), DW says nooooooo, So plan after 60. Want to enjoy life as it becomes shorter as we grow older. Have roof and food and auto to drive around which better than most in the world! Love watching "buying properties in Hawaii..." And dream about the permanent 80F...
by supersharpie
Wed May 28, 2014 11:10 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Are you going to retire? And if so, when?
Replies: 49
Views: 5073

Re: Why 25/25/25/25 in a Permanent Portfolio?

You could also ask "why age in bonds?" There really isn't any statistical analysis to support that as a rational basis for investing.
by supersharpie
Thu May 15, 2014 7:52 am
 
Forum: Investing - Theory, News & General
Topic: Why 25/25/25/25 in a Permanent Portfolio?
Replies: 31
Views: 2995

Re: Buying a new suit for a promotion

Male or female? Eye candy? Trade shows and booths? Mostly phone work? Meeting rooms? Male - My understanding is that I will be communicating throughphone and email about 50% of the time and outside the office making presentations and serving as a rep at booths at various events the other 50% of the...
by supersharpie
Wed May 14, 2014 7:24 pm
 
Forum: Personal Consumer Issues
Topic: Buying a new suit for a promotion
Replies: 20
Views: 2546

Buying a new suit for a promotion

I just received news that I have been selected for a temporary promotional detail as a public affairs specialist for my employer. If I succeed and a full-time position opens I will likely secure that permanent promotion. I will serve as my employer's sole representative at a number of events and wan...
by supersharpie
Wed May 14, 2014 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Buying a new suit for a promotion
Replies: 20
Views: 2546

Re: Is this true?

Yesterday I heard that the Fed Govt has pumped 300% more dollars into the economy than the year before. Or something like that. Also this person said that the Chinese govt has trillions of dollars in US bonds that it is trying to get rid of as soon as possible. IOW, he painted a bleak picture of ho...
by supersharpie
Mon May 12, 2014 8:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Is this true?
Replies: 11
Views: 1704

Re: What is the best all-inclusive resort you have ever visi

#1. Couples Swept Away is our favorite. #2. Couples Negril We liked both a lot. Can't go wrong at either place. We stayed at The Veranda in Turks and Caicos before. Loved it there. But, they were bought out by another company so i can't recommend it. We have considered both Couples resorts. What pu...
by supersharpie
Wed May 07, 2014 11:10 pm
 
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 45
Views: 5796

Re: What is the best all-inclusive resort you have ever visi

rholt wrote:My experience is that getting really top quality food at all-inclusives can be a challenge.


Yep, it merely needs to be "good" to satisfy us. We are not looking for fine dining. However, local cuisine options would be great! I know a lot of AIs only offer "international" fare.
by supersharpie
Wed May 07, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 45
Views: 5796

Re: What is the best all-inclusive resort you have ever visi

They are all so different, it really depends on what you want to do and the kind of atmosphere you are after. As two extremes, Some people love Zoetry (I do), others love hedonism ( I haven't been there, but know people who love it). Need more info on what you want. Here are our requirements: 1. Lo...
by supersharpie
Wed May 07, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 45
Views: 5796

Re: What is the best all-inclusive resort you have ever visi

They are all so different, it really depends on what you want to do and the kind of atmosphere you are after. As two extremes, Some people love Zoetry (I do), others love hedonism ( I haven't been there, but know people who love it). Need more info on what you want. Here are our requirements: 1. Lo...
by supersharpie
Wed May 07, 2014 10:17 am
 
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 45
Views: 5796

What is the best all-inclusive resort you have ever visited?

My wife and I are planning spending 7 nights at an AI in January 2015 to escape the cold. We are flexible on location. What would you recommend?
by supersharpie
Wed May 07, 2014 9:18 am
 
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 45
Views: 5796

Re: Purchasing first smartphone, need advice

We ended up settling on two 32 GB Nexus 5s. They were $399 each and are unlocked. We will both be going with Straight Talk because ATT offers a much stronger network and the savings through Ting for my wife were likely to be negligible. The advantages of buying an unlocked phone are that they will m...
by supersharpie
Mon May 05, 2014 10:42 am
 
Forum: Personal Consumer Issues
Topic: Purchasing first smartphone, need advice
Replies: 62
Views: 4534

Re: Purchasing first smartphone, need advice

The beauty of the Nexus 5 is that it supports both GSM and CDMA so if my wife is unhappy with Ting (Sprint/CDMA) she can switch to Straight Talk (ATT/GSM) and vice versa for myself. Yes, but note that their version of CDMA does not support Verizon Wireless, so don't count on that being a backup opt...
by supersharpie
Sat May 03, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: Purchasing first smartphone, need advice
Replies: 62
Views: 4534

Re: Purchasing first smartphone, need advice

The beauty of the Nexus 5 is that it supports both GSM and CDMA so if my wife is unhappy with Ting (Sprint/CDMA) she can switch to Straight Talk (ATT/GSM) and vice versa for myself.

I don't know if there any other phones on the market with that capability.
by supersharpie
Sat May 03, 2014 9:01 am
 
Forum: Personal Consumer Issues
Topic: Purchasing first smartphone, need advice
Replies: 62
Views: 4534

Re: Purchasing first smartphone, need advice

Update: I think we are both going to purchase Nexus 5 phones. I am going to give Straight Talk a try and she is going to give Ting a shot.
by supersharpie
Sat May 03, 2014 1:08 am
 
Forum: Personal Consumer Issues
Topic: Purchasing first smartphone, need advice
Replies: 62
Views: 4534

Re: Purchasing first smartphone, need advice

At this point I think my wife has settled on buying a used Iphone 5 through Ting's partner along with a Ting plan. I am leaning towards the $45 Straight Talk plan through WalMart because it utilizes the much stronger AT&T network vs Sprint.
by supersharpie
Thu May 01, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: Purchasing first smartphone, need advice
Replies: 62
Views: 4534

Re: Are my retirement dreams a mirage?

As long as you have hobbies and interests you will surely enjoy your retirement. There are plenty of Americans who have no hobbies and seemingly no interests outside of their job; they are the ones who are miserable retirees.
by supersharpie
Thu May 01, 2014 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Are my retirement dreams a mirage?
Replies: 39
Views: 4252

Re: Mea culpa [100% stock at 50]

I don't understand why people bash 100% stock portfolios. If you maintain one over the course of your career you will likely retire with a significantly higher balance than if you invest on an "age in bonds" strategy. "Age in bonds" has always seemed a little too "cute"...
by supersharpie
Thu May 01, 2014 2:32 am
 
Forum: Investing - Theory, News & General
Topic: Mea culpa [100% stock at 50]
Replies: 46
Views: 5441

Re: How to calculate living expenses 30 years from today?

Yikes...who waits to retire until they are too old to travel? That is the main appeal of retirement to me!
by supersharpie
Wed Apr 30, 2014 8:20 am
 
Forum: Personal Finance (Not Investing)
Topic: How to calculate living expenses 30 years from today?
Replies: 13
Views: 1244

Purchasing first smartphone, need advice

After holding out for seven years since the introduction of the iPhone I am just about ready to purchase a pair of smartphones for myself and my wife. I hate the idea of adding additional monthly expenses and am looking for the most affordable combo of upfront phone cost and monthly bill for voice a...
by supersharpie
Wed Apr 30, 2014 7:55 am
 
Forum: Personal Consumer Issues
Topic: Purchasing first smartphone, need advice
Replies: 62
Views: 4534

Seattle and Portland, OR restaurant recommendations

My wife and I will be spending 11 nights combined in Seattle and Portland, OR in July and August. We enjoy a wide variety of cuisines and are looking forward to trying the best that each city has to offer. We are not averse to fine dining but prefer top notch food in a casual environment whenever po...
by supersharpie
Tue Apr 29, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Seattle and Portland, OR restaurant recommendations
Replies: 31
Views: 1381

Re: San Francisco Restaurant Recommendations

I was there last year and can attest that Tony's makes an outstanding, international award winning, pizza. NOPA makes a phenomenol burger and offers a lot of other excellent choices at a reasonable price: http://www.yelp.com/biz/nopa-san-francisco We also had some very tasty pasta dishes at Allegro ...
by supersharpie
Tue Apr 29, 2014 10:33 am
 
Forum: Personal Consumer Issues
Topic: San Francisco Restaurant Recommendations
Replies: 44
Views: 3010

Re: Recommended "All Inclusive" in Caribbean

I had an enjoyable time at the Iberostar Rose Hall Suites in Montego Bay, Jamaica. Beautiful property, good food for AI, great pool, OK beach (Negril offers far superior beaches), and a very friendly and accommodating staff. All the kids I observed seemed to be having a ball.
by supersharpie
Sun Apr 27, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Recommended "All Inclusive" in Caribbean
Replies: 8
Views: 2643

Re: Tell Me I'm Stupid To Consider Quitting My Job and Movin

OP - If you live frugally you have enough money to sustain you and your wife for the rest of your lives. Most people would be thrilled to be given the opportunity to live off $2,000,000 for 40 to 60 years. Travel, find a place you dig; buy an affordable there and spend the next few decades traveling...
by supersharpie
Thu Apr 24, 2014 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tell Me I'm Stupid To Consider Quitting My Job and Moving
Replies: 123
Views: 28393

Re: Paying car loan vs. Investing in Roth IRA

You lose out long term because you miss out on the compounding tax free power of your Roth contribution. If you get a real return of 5% over the next 40 years that $1000 will be worth $7000 in 2014 dollars in 2054.
by supersharpie
Wed Apr 16, 2014 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying car loan vs. Investing in Roth IRA
Replies: 6
Views: 459
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