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Re: AA for Early Retirement

Retired at 57 with AA around 55% bonds and G fund, 45% equities. That AA fits my risk tolerance. I plan to increase FI percentage over time to more or less match my age. Currently withdrawing just under 3% of initial portfolio balance because that's what meets my income needs. IMO 2% is unnecessaril...
by tacster
Wed Dec 17, 2014 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA for Early Retirement
Replies: 21
Views: 2283

Re: RBD in Emerging Markets Brewing

livesoft wrote:
grap0013 wrote:Livesoft, care to give us a number for total return for VWO for 2015?

No.

Aww, come on...we won't hold you to it. :twisted:
by tacster
Tue Dec 16, 2014 6:25 pm
 
Forum: Investing - Theory, News & General
Topic: RBD in Emerging Markets Brewing
Replies: 37
Views: 3457

Re: Oregon wine tour

Well if you find yourself in northern Oregon you might consider crossing the border into Washington as well. There are many wineries in the area from Yakima to Tri-Cities to Walla Walla. The drive along the Columbia River is quite scenic if you're into that. Staying on the east side of the Cascades ...
by tacster
Mon Dec 15, 2014 7:44 pm
 
Forum: Personal Consumer Issues
Topic: Oregon wine tour
Replies: 5
Views: 642

Re: Federal Retiree Insurance and Medicare

I retired this past January. I am also a vet. I signed up for Medicare A when I turned sixty-five. I was planning to enroll in Medicare B after I retired; however, because I am getting all my health care at the VA, I decided not to enroll in Medicare B, and I also my planning to drop my FEHB. What ...
by tacster
Mon Dec 15, 2014 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Insurance and Medicare
Replies: 8
Views: 497

Re: Taste testing wine at home

Do you live near any wineries? Lots of them have sampling rooms.
by tacster
Sun Dec 14, 2014 5:32 pm
 
Forum: Personal Consumer Issues
Topic: Taste testing wine at home
Replies: 23
Views: 1664

Re: No Fee Annuity?

Hello, To clairify: I think what is being offered by Washington State is a Single Premium Immediate Annuity. Supposedly there are no fees; I don't know if there is a connection to interest rates. As I said, I currently have $275,000 in a multi-asset account ( The Total Asset Portfolio offered throu...
by tacster
Sun Dec 07, 2014 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: No Fee Annuity?
Replies: 14
Views: 1549

Re: Unbroken!

My son and I want to see the movie! Looks great!! Hate to be the bearer of bad news but in my opinion very rarely does a movie come up to level of book, which I agree was exceptional. Seems to me that movies based on books are designed for an audience that does not read many books. But there is alw...
by tacster
Wed Dec 03, 2014 10:15 am
 
Forum: Personal Consumer Issues
Topic: Unbroken!
Replies: 20
Views: 4150

Re: Unbroken!

ThankYouJack wrote:If you really like Unbroken, you'll probably enjoy We Die Alone too. Both absolutely incredible stories

And "The Forgotten Highlander".
by tacster
Fri Nov 28, 2014 11:28 pm
 
Forum: Personal Consumer Issues
Topic: Unbroken!
Replies: 20
Views: 4150

Re: How to calculate pension into retirement calculations

Estimate how much annual income you'll need in retirement. Subtract your expected pension and disability income from that. The remainder will need to be covered by your retirement nest egg. That's about all there is to it.
by tacster
Thu Nov 27, 2014 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: How to calculate pension into retirement calculations
Replies: 4
Views: 529

Re: Engineered Hardwood Floors

Your installer is trying to deflect fault from his poor workmanship by blaming the product. There is absolutely nothing wrong with Bellawood. I installed 3/4" Bellawood Brazilian Cherry plank in my home myself over a decade ago and have had zero problems, no creaking, no gaps, no buckling, noth...
by tacster
Thu Nov 27, 2014 12:03 am
 
Forum: Personal Consumer Issues
Topic: Engineered Hardwood Floors
Replies: 14
Views: 2402

Re: Favorite nonfiction books

Unbroken is undoubtedly one of mine, and it's on sale for the Kindle today for $3. I plan to see the movie with my parents on Christmas Day. Same here. Read that book early this year and I am still in awe of that book. Probably the best book I've read in my lifetime. In the same vein check out &quo...
by tacster
Tue Nov 25, 2014 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 9703

Re: Heads up best reward credit card I've seen.

rai wrote:... we spend $10,000 in gas a year...

:shock:
by tacster
Tue Nov 18, 2014 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 8425

Re: Father of eight hasn’t saved a penny for college

I paid for my own college. It builds character. Join the military, that really builds character. Or do a thousand other things because I know plenty of folks who went to college on their own dime but character wasn't built while there. Character is built from the act of doing, warming a seat over t...
by tacster
Fri Nov 14, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Father of eight hasn’t saved a penny for college
Replies: 47
Views: 2770

Re: Selected photos of recent bicycle ride across New York

I bought a bike that comes apart and fits into a suitcase. So, I fly with my bike as checked luggage. This used to be free (still is with Southwest) but now generates a baggage charge, though much less than if one checks a "normal sized" bike. My bike uses S&S couplers: http://www.san...
by tacster
Wed Nov 05, 2014 8:37 pm
 
Forum: Personal Consumer Issues
Topic: Selected photos of recent bicycle ride across New York
Replies: 13
Views: 1203

Re: Photos from my recent bicycle ride across Wales

toofache32 wrote:This is a non-actionable post.

Per the forum posting guidelines, allowable posts include "recreational and leisure activities: travel, sports and entertainment".
by tacster
Mon Nov 03, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Photos from my recent bicycle ride across Wales
Replies: 16
Views: 1775

Re: Photos from my recent bicycle ride across Wales

I'm curious about the logistics of getting a bicycle from the States to Wales - details? I recently visited Wales and drove a rental car from Caernarfon to Cardiff. Man those roads are narrow. Don't know if I'd have the nerve to ride a bike there, but it sure would be a great way to see the scenery.
by tacster
Sun Nov 02, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: Photos from my recent bicycle ride across Wales
Replies: 16
Views: 1775

Re: Mr. Market turns on Amazon

I do know from friends who worked there in the UK that it is famously hard nosed and hard working as a place to work. From the people down in the warehouses (who are electronically tracked, receive counselling about bleeding feet , and are 'encouraged' by their managers to increase productivity, or...
by tacster
Fri Oct 24, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Market turns on Amazon
Replies: 42
Views: 4510

Re: Your personal risk level: Got your flu shot yet?

Why has this medical advice thread not been locked?
by tacster
Thu Oct 16, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3251

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

Not yet but I just retired a few months ago. My mortgage rate and payments are so low I haven't bothered to pay it off. Suppose I'll go ahead and do that one of these days. :beer
by tacster
Sat Sep 13, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Do you own your primary residence?
Replies: 18
Views: 1656

Re: What Movie Have You [Recently] Watched?

"The Short Game"

Highly recommended even if you're not a golf fan.
by tacster
Mon Sep 01, 2014 9:45 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 262
Views: 28943

Re: I cannot make the jump and retire

I have been trying to retire for at least a year but I don't have the courage to make the jump. Turned 49 this year. The sad truth is that I get some enjoyment from watching my net worth grow every year. But I just feel burnt out. How did you make the jump and quit your job ? How long did it take b...
by tacster
Fri Jun 13, 2014 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: I cannot make the jump and retire
Replies: 75
Views: 8995

Re: Roll Call for the Retirement Class of 2014!

The average retirement age of those who posted their ages is 59.52. Folks sure are retiring earlier and earlier. That's largely a function of people on this board tending to be above average earners and savers. According to Gallup, the average US retirement age is now 62 and has been trending up fo...
by tacster
Tue Jun 10, 2014 10:04 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 257
Views: 25230

Re: Pin and Chip Cards coming to the US

As another poster has stated, buying train, subway, bus tickets is almost impossible without chip and pin and, if possible at all, you stand in a huge line with all the other people who don't know how to use the machine. Hmm, I just finished a trip to the UK, and bought all those things with my pla...
by tacster
Fri Jun 06, 2014 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Pin and Chip Cards coming to the US
Replies: 71
Views: 5691

Re: How do you make your money?

Pension.
Investment income.
Social Security in a few years.
by tacster
Fri May 23, 2014 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you make your money?
Replies: 97
Views: 14828

Re: Seeking a pre paid mobil plan for a visit to the UK

I think T-mobile has free roaming to the UK, so another option would be to get a t-mobile SIM card and sign up for a month with them. Depends which plan. I'm on T-mobile prepaid and definitely did not have free roaming in the UK. Evidently only their $50/mo+ plans have free overseas text/data (not ...
by tacster
Wed May 21, 2014 10:31 am
 
Forum: Personal Consumer Issues
Topic: Seeking a pre paid mobil plan for a visit to the UK
Replies: 12
Views: 754

Re: Roll Call for the Retirement Class of 2014!

My last day of work was Jan 10, 2014. Still hard to believe it's for real. It just doesn't seem like I could possibly be old enough (57), or well off enough, to NEVER HAVE TO WORK AGAIN.

Life is good. :beer
by tacster
Wed May 21, 2014 10:02 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 257
Views: 25230

Re: Seeking a pre paid mobil plan for a visit to the UK

I just returned from 3 weeks in the UK, and was also carrying a Nexus 4. Yes you can buy a prepaid Sim from a machine at Heathrow. Think they cost 20 pounds or so. I was not confident about figuring out which of the many Sims in the machine were right for me so didn't use that option. What I did ins...
by tacster
Wed May 21, 2014 9:50 am
 
Forum: Personal Consumer Issues
Topic: Seeking a pre paid mobil plan for a visit to the UK
Replies: 12
Views: 754

Re: Looking at top 1% for actionable insight

"Money can't buy happiness" I don't know about that... I've never seen anyone sad while riding a jetski. I have seen people sad while desperately trying to hold on to a runaway jetski - does that count? I've seen people sad after crashing a borrowed jetski into a dock. I think that counts...
by tacster
Fri Apr 18, 2014 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking at top 1% for actionable insight
Replies: 73
Views: 9233

Re: Central AC and Forced Hot Air Heat (Gas)

This July would make my home 21 years old. I bought the house brand new. It is a Townhome and is around 1,800 sq. ft. My Central AC went but the heat is still working fine. Is there any advantage to do them both at the same time, or should I just take care of the AC and replace the heat when it sto...
by tacster
Thu Apr 17, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: Central AC and Forced Hot Air Heat (Gas)
Replies: 15
Views: 2835

Re: Computer Speakers


+1 more. I'm using a set of A2's. Very good sound quality and solid bass output for such small speakers.
by tacster
Wed Apr 16, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: Computer Speakers
Replies: 13
Views: 1028

Re: Looking at top 1% for actionable insight

Basic Psychology: My success are due to hard work and my failures are due to bad luck. Your success are because of good luck and your failures are because your lazy.:) As always the truth is in between. Basic Pyschology: If I can convince you that your success is due to good luck, then my failures ...
by tacster
Tue Apr 15, 2014 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking at top 1% for actionable insight
Replies: 73
Views: 9233

Re: Stock markets in free fall?

jackpullo997 wrote:
Leeraar wrote:Has anyone noticed that the S&P 500 has plummeted to levels not seen since February 10, 2014?

L. :wink:


Is this for real? Or sarcastic?

The face with the winking eye provides a clue.
by tacster
Sat Apr 12, 2014 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 7357

Re: Death of co-worker

Contrary to popular belief, it's my opinion that retirement obsession is for fools. Life is the journey, and the biggest regrets are of actions not taken. Living on Ramen noodles for 40 years only to die a few months after retirement is a lot more common than you think. Live the life you enjoy livi...
by tacster
Mon Mar 31, 2014 11:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 10459

Re: 25 year old speeding ticket

So apparently your agency paid this fine back in 1988, without notifying you, and now they want their money back plus interest. Evidently their payment was in addition to your own payment, i.e. the fine was paid twice, and the recipient simply accepted both payments. So you don't have to prove the f...
by tacster
Fri Mar 21, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: 25 year old speeding ticket
Replies: 23
Views: 2489

Re: Federal Government Health Insurance Question

@ tacster - congrats on the retirement! Out of curiosity, which plan have you selected? Thank you. I highly recommend retirement as a lifestyle. :beer The plan I'm on is only available locally (WA State). I'm guessing you're in NY. I intend to move someplace sunnier eventually, then I'll be in your...
by tacster
Wed Mar 19, 2014 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Government Health Insurance Question
Replies: 7
Views: 754

Re: Federal Government Health Insurance Question

Retired fed here - just fyi the gov't pays 75% of my health insurance premium.
by tacster
Tue Mar 18, 2014 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Government Health Insurance Question
Replies: 7
Views: 754

Re: Bubble Behavior?

No. In the late 90's people all around me were daytrading stocks in their cubes. Can't remember the last time I have heard anyone even mention a stock. Had lunch with some new employees about a month back. One of them told me he had a buddy who sold his house and car and started a day trading busin...
by tacster
Mon Mar 17, 2014 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Bubble Behavior?
Replies: 18
Views: 2287

Re: Are Rheem gas water heaters good quality?

I've had the same Rheem gas water heater in my house since 1994. Never been drained, still going strong. I suppose one of these years it will fail. I'd get another.
by tacster
Sun Mar 16, 2014 6:36 pm
 
Forum: Personal Consumer Issues
Topic: Are Rheem gas water heaters good quality?
Replies: 16
Views: 6105

Re: Do you love your job? What do you do?

I love my retirement. :beer
by tacster
Sun Mar 16, 2014 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 11271

Re: What video games are you currently playing?

Just finished The Room on android. Surprisingly fun puzzle game.
by tacster
Wed Mar 12, 2014 11:10 am
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 5078

Re: Poll: When did you retire? Would you do it all over agai

However retirement may be dangerous to your health, mood and relationship. No, it's WORK that's dangerous to those things. Would you have changed anything? What would you wish you had known beforehand? I would have started saving more, earlier, so I could have retired earlier than I did (age 57).
by tacster
Mon Mar 10, 2014 8:52 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: When did you retire? Would you do it all over again ?
Replies: 103
Views: 11880

Re: Savers remorse ?

Professor Emeritus wrote: What do you regret NOT spending money on?


Nothing. However, there are a great many things I DO regret spending money on.
by tacster
Thu Mar 06, 2014 8:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers remorse ?
Replies: 91
Views: 12453

Re: Cheapest pay-per-use Wifi hotspot (aka "MyFi") - Karma?

I tether with an Android phone using t-mobile's $3 day-pass option. You get 200 MB at 4G, then unlimited at low speed for 1 day (resets at midnight). This works well for me, because I need a pay-as-you-go phone anyway and I rarely need data, other than wifi. You pay the $3 on any day you need to ac...
by tacster
Sun Feb 02, 2014 11:51 am
 
Forum: Personal Consumer Issues
Topic: Cheapest pay-per-use Wifi hotspot (aka "MyFi") - Karma?
Replies: 18
Views: 1800

Re: Your Experience With Costco Mail Order Pharmacy?

I've been using Costco in store and/or mail order pharmacy for years. Perfectly satisfied with their service and prices, no negative experiences at all.
by tacster
Sat Feb 01, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: Your Experience With Costco Mail Order Pharmacy?
Replies: 10
Views: 1214

Re: Seattle as a place to live?

Much buzz in the Seattle area about how Portland has done so many more things right--traffic, public transportation, open space. Seattle traffic can be horrendous. And while there are some charming neighborhoods like Ballard, the city as a whole has a cold feel to me. A local free newspaper runs a ...
by tacster
Sat Jan 25, 2014 12:05 pm
 
Forum: Personal Consumer Issues
Topic: Seattle as a place to live?
Replies: 74
Views: 8398

Re: Churning credit cards for air miles, need help

As noted by a previous poster, reward seats can be hard to book. How far in advance do people try to book these reward seats? For example to get 4 tickets on a domestic round trip flight cheaply paying cash I booked an upcoming vacation 6 months in advance. I just booked a nonstop Seattle to London...
by tacster
Mon Jan 20, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Churning credit cards for air miles, need help
Replies: 35
Views: 3221

Re: Low Income, High Net Worth - Stories Of

6. Having kids is a huge financial drain. Even with all of the above, on a modest income, my view is, with kids, you have a choice - you won't be able to travel, save for retirement, buy a house, and have financial security (not including home & retirement). At best, you may have two of those (...
by tacster
Sat Jan 18, 2014 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Low Income, High Net Worth - Stories Of
Replies: 76
Views: 12701

Re: percolator vs drip

Aeropress.
by tacster
Wed Jan 15, 2014 3:16 pm
 
Forum: Personal Consumer Issues
Topic: percolator vs drip
Replies: 109
Views: 6118

Re: TurboTax discount for Amazon Prime folks

Does Deluxe include the schedules for interest/dividends and capital gains?
by tacster
Wed Jan 15, 2014 11:07 am
 
Forum: Personal Consumer Issues
Topic: TurboTax discount for Amazon Prime folks
Replies: 4
Views: 1036

Re: Do I pay taxes today or when I retire?

I can't believe you all are missing the most efficient reason for tax deferred. You are missing the difference between effective tax and marginal tax. you are investing money at your top tax bracket at lets say 30%. But when you withdraw, you have to fill all the lower tax brackets 1st so you withd...
by tacster
Sun Jan 05, 2014 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Do I pay taxes today or when I retire?
Replies: 63
Views: 3572
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