Search found 403 matches

by user5027
Fri Jul 03, 2015 5:32 am
Forum: Personal Finance (Not Investing)
Topic: Should I take SS at 62 or 70?
Replies: 7
Views: 867

Re: Should I take SS at 62 or 70?

I'm thinking about tax implications: if I drawdown 401K, my RMD will be less when I reach 70 and I may save on taxes in the long run. Thanks! You may want to consider withdrawing more than your living expenses each year as long as the extra withdrawals keep you in the same tax bracket. Save the par...
by user5027
Thu Jul 02, 2015 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Amex 6.99% interest offer
Replies: 5
Views: 610

Re: Amex 6.99% interest offer

tbradnc wrote:Did anyone else get this offer?


Yes, we got the email today.
by user5027
Thu Jul 02, 2015 3:09 pm
Forum: Investing - Theory, News & General
Topic: Which Funds to Take RMD From
Replies: 12
Views: 755

Re: Which Funds to Take RMD From

It has been awhile since I used it but Vanguard has a "Portfolio Tester" where you can enter a hypothetical change to each of your holdings and analyze what the change to the asset allocation would be. I go to "Portfolio Watch" and there is a link on the lower right.
by user5027
Thu Jul 02, 2015 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance/Social Security Widow Benefit
Replies: 3
Views: 297

Re: Life insurance/Social Security Widow Benefit

I did not when I bought life insurance 21 years ago. The concern was would social security exist and in what amount.
by user5027
Sun Jun 28, 2015 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Drawing from Retirement Savings to Delay SS
Replies: 43
Views: 4168

Re: Drawing from Retirement Savings to Delay SS

10.62%
No.
Hopefully not.
No.
by user5027
Fri Jun 26, 2015 9:01 pm
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 5226

Re: Squirrel nemesis

Who is going to pick up the acorns when the squirrel is gone? :confused
by user5027
Fri Jun 26, 2015 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Do I need "own occupation" on LTDI?
Replies: 13
Views: 1200

Re: Do I need "own occupation" on LTDI?

I remember the morbid explanation on the different definitions of disability when I was shopping for LTDI. "Show me a man in an iron lung and I'll show you someone that can lick stamps." For the less experienced, this was before the USPS went with self adhesive stamps.
by user5027
Thu Jun 25, 2015 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Buying a home
Replies: 7
Views: 648

Re: Buying a home

Hi! This is my first time posting so please bare with me. Background: 32, married with 8 month old baby, living in an apartment that has 10 months remaining on the contract @ $1400/month. I will begin a career as a teacher on a salary of $50k/yr this upcoming school year. Our goal is to move to a S...
by user5027
Wed Jun 24, 2015 2:47 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 217
Views: 19437

Re: What was the 2008 crash like in real time?

I got nervous opening the statements from Vanguard. I did not bother with online access then. The joke at work was the 401k was now a 201k.
by user5027
Wed Jun 24, 2015 2:32 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 254
Views: 15892

Re: What ratio are you stocks/bonds and how old are you?

Ages: 57 & 61
70% equities
25% bonds
5% cash
by user5027
Mon Jun 22, 2015 8:05 pm
Forum: Personal Consumer Issues
Topic: Will I regret using Composite Decking instead of PT Decking
Replies: 23
Views: 2111

Re: Will I regret using Composite Decking instead of PT Decking

my deck has 122 4 sided spindles. i can not emphasize what a pita it is to stain those spindles... . I just reapplied semi transparent stain to my large deck last week. I used a sprayer and it went really fast. It only took 4 to 5 hours for 12 x 21 foot deck, including time to cover side of house a...
by user5027
Sat Jun 20, 2015 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive Wedding For Child Gift Tax?
Replies: 7
Views: 927

Re: Expensive Wedding For Child Gift Tax?

In addition to looking at who signs and pays for any agreements with the venue, caterer, officiant, flowers, photographer/videographer, music, etc., you may also consider how the invitation is worded (ie. who is inviting the attendees).
by user5027
Fri Jun 19, 2015 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Is Private Banking ever useful for simple Bogleheads
Replies: 35
Views: 4055

Re: Is Private Banking ever useful for simple Bogleheads

This thread made me think of Mr. Drysdale.
by user5027
Fri Jun 19, 2015 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Question about Roth IRA limits
Replies: 5
Views: 586

Re: Question about Roth IRA limits

You need to review Worksheet 2-1 in IRS Publication 590-A. This is 2014 and 2015 may change.

http://www.irs.gov/uac/About-Publication-590
by user5027
Wed Jun 17, 2015 6:15 am
Forum: Investing - Help with Personal Investments
Topic: what are my options?
Replies: 2
Views: 376

Re: what are my options?

notreallysure wrote:Am i correct that if I roll the profit sharing plan over to a tIRA i am forever foreclosed from opening a Roth IRA?


No.
by user5027
Wed Jun 10, 2015 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: How to transfer a Roth
Replies: 11
Views: 965

Re: How to transfer a Roth

The rep from vanguard said it really didn't matter either way. Relative to what? To Vanguard? I can see it may not matter to them. Last fall I rolled my 401k over to my Vanguard IRA. The 401k custodian had to sell all the investments and write a check to "Vanguard FBO me" and courier the ...
by user5027
Wed Jun 10, 2015 8:20 am
Forum: Investing - Help with Personal Investments
Topic: How to transfer a Roth
Replies: 11
Views: 965

Re: How to transfer a Roth

In-kind will keep you invested during the transfer.
by user5027
Tue Jun 02, 2015 12:49 pm
Forum: Personal Consumer Issues
Topic: Finding a pediatrician - new parents
Replies: 21
Views: 1088

Re: Finding a pediatrician - new parents

We were living in a new area when my wife became ill (kidney infection) while I was out of the country for work. It fell to my father-in-law to find her a doctor. He walked into the local pharmacy and asked the pharmacist. I always thought that was a smart move.
by user5027
Sat May 23, 2015 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating Future Finances? Quicken etc.
Replies: 8
Views: 762

Re: Calculating Future Finances? Quicken etc.

I've done this for years. I do not use quicken. I keep our check register in excel. Every year I copy the prior years transactions and add 365 days to the date field and highlight the next year in yellow. I delete the outliers. It provides an excellent projection where we will be at any point during...
by user5027
Fri May 22, 2015 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Challenges Opening a Vanguard Account
Replies: 9
Views: 658

Re: Challenges Opening a Vanguard Account

I understand your frustration but as a Vanguard customer I am happy to hear they are as careful as you have described.
by user5027
Thu May 21, 2015 9:58 am
Forum: Personal Consumer Issues
Topic: Parks to visit between TX and PA?
Replies: 23
Views: 810

Re: Parks to visit between TX and PA?

If there is an interest in trains...

Horseshoe Curve in Altoona, PA is close to State College and not too far out of the way for Gettysburg.
by user5027
Fri May 08, 2015 5:04 pm
Forum: Personal Consumer Issues
Topic: What to use to clean car
Replies: 45
Views: 3926

Re: What to use to clean car

I used to just vacuum the inside with a shopvac, but I discovered that the blower works wonders. I remove everything loose in the car. Of course, vacuum first, then open all the doors and blow everything out the other door. Really gets out all the crumbs from the cracks and crevices without the bot...
by user5027
Tue Apr 28, 2015 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Trust fund
Replies: 17
Views: 946

Re: Trust fund

Thank you all. From what you are saying: 1. My information is not correct on how my retirement savings will be taxed after I pass. I was led to believe that there is a 40% tax on estate transfers including retirement accounts. 2. The minimum which I need for a Vanguard trust fund is much less and I...
by user5027
Tue Apr 28, 2015 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Rookie question about investing in traditional IRA
Replies: 3
Views: 297

Re: Rookie question about investing in traditional IRA

Aloha everyone, I am 28 years old and am now taking a plunge into my financial journey to independence. Last night I set up a Vanguard account to transfer money into a Vanguard Life Strategy Growth Fund for a 401k. The question I have is, I thought the maximum contribution to a 401k was `$17500 but...
by user5027
Tue Apr 28, 2015 12:04 pm
Forum: Personal Consumer Issues
Topic: Getting the stink out of running clothes
Replies: 34
Views: 2434

Re: Getting the stink out of running clothes

TomatoTomahto wrote: Nothing, but nothing, smells worse than hockey gear.


+1

We found the trick with hockey gear is to not leave it in the bag after getting home. Take it out and let it air dry, especially outside on a nice day.

The problem may be worse if you toss your running clothes in the hamper.
by user5027
Mon Apr 27, 2015 9:48 am
Forum: Personal Consumer Issues
Topic: Quietest garage door and opener
Replies: 19
Views: 1972

Re: Quietest garage door and opener

My current garage door opener is Marantec, and it is very quiet. When it was installed, my daughters noted they could have sneaked in late if we had the Maratec opener when they were teenagers. They stood no chance of sneaking in late with the old opener. :happy Broken Man 1999 Good point. It is li...
by user5027
Mon Apr 27, 2015 6:52 am
Forum: Personal Consumer Issues
Topic: Quietest garage door and opener
Replies: 19
Views: 1972

Re: Quietest garage door and opener

I think a single panel door would be quieter than a sectional garage door.
by user5027
Sun Apr 26, 2015 6:54 pm
Forum: Personal Consumer Issues
Topic: Roasting green coffee beans at home
Replies: 10
Views: 1011

Re: Roasting green coffee beans at home

[quote="KlangFool"Please noted that unless you have a big house and out in the rural area, your house may smelled of burn popcorn all the times.[/quote]

+1

I use to roast green beans and always did it outside.
by user5027
Sat Apr 25, 2015 11:06 am
Forum: Personal Consumer Issues
Topic: taking break from computer use - to avoid back pain
Replies: 17
Views: 783

Re: taking break from computer use - to avoid back pain

As a remedy, I would like to remind myself every 40 minutes to get out of the seat during work hours and take a walk for few minutes. I thought there may be an online/phone app already for this purpose and would like to find what it is. ! My android phone came with an "Alarm/Clock" app. I...
by user5027
Thu Apr 23, 2015 4:15 pm
Forum: Personal Consumer Issues
Topic: Drive a local car, rent for trips ?
Replies: 40
Views: 3484

Re: Drive a local car, rent for trips ?

Our family (4) and my wife's sister's family (4) all rode up together from SE PA in a 15 passenger van without the rear seat for luggage space. The rental places will take out the seat for you. . 15 passenger vans are extremely hazardous vehicles http://www.nhtsa.gov/About+NHTSA/Press+Releases/Cons...
by user5027
Thu Apr 23, 2015 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: How should anticipated inheritance affect asset allocation?
Replies: 17
Views: 1388

Re: How should anticipated inheritance affect asset allocati

I would not consider it. Things can change dramatically.
by user5027
Thu Apr 23, 2015 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: life and disability insurance question
Replies: 3
Views: 382

Re: life and disability insurance question

I was always a believer in having adequate insurance but never too much. You want to be worth more alive and working. That's why I dropped it when I retired. Don't want to give my wife any more incentive!! :twisted:
by user5027
Thu Apr 23, 2015 3:19 pm
Forum: Personal Consumer Issues
Topic: Drive a local car, rent for trips ?
Replies: 40
Views: 3484

Re: Drive a local car, rent for trips ?

We use to rent vans and minivans for trips when our children were growing up. One Thanksgiving my wife's extended family (father, step-mom, 3 siblings and 4 stepsisters) all met in Killington at a large B&B the one stepsister was managing. Our family (4) and my wife's sister's family (4) all rod...
by user5027
Thu Apr 23, 2015 2:59 pm
Forum: Personal Consumer Issues
Topic: cleaning plastic eyeglass lenses
Replies: 30
Views: 1900

Re: cleaning plastic eyeglass lenses

When I got new eyeglasses last year I eschewed any and all coatings. No anti-glare. No scratch-resistent. I did this because my previous glasses were driving me crazy. The slightest touch would smudge them and to clean them required a special cloth or a hand washing with mild dish soap. I also scra...
by user5027
Mon Apr 20, 2015 9:43 am
Forum: Personal Consumer Issues
Topic: Car for teenager
Replies: 52
Views: 3258

Re: Car for teenager

One tip a college friend passed along to me when our children started driving was when they have the first fender bender, do not fix it (unless you have too). Every time they get into the car they will see it as a reminder of what happens when they are not careful.
by user5027
Sat Apr 18, 2015 5:10 pm
Forum: Personal Consumer Issues
Topic: Cleaning out large basement - cost to rent a dumpster?
Replies: 29
Views: 2255

Re: Cleaning out large basement - cost to rent a dumpster?

Another option is to rent a truck and take the stuff to the dump or transfer station yourself.
by user5027
Wed Apr 15, 2015 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Legal Group Invitation?
Replies: 8
Views: 1023

Re: Vanguard Legal Group Invitation?

Matahari wrote: You should contact Vanguard and alert them that their brand is possibly being misued.


The Legal Group is going to need a lawyer. :oops:
by user5027
Sun Apr 12, 2015 6:43 pm
Forum: Personal Consumer Issues
Topic: Input wanted from BMW owners
Replies: 44
Views: 4691

Re: Input wanted from BMW OWNERS

We have a 1991 BMW 325I and constantly get asked if we want to sell it. People have knocked on the door and just last week the AC service guy asked while he was here. I've been told it was last good model BMW has made. The car runs great with minimal repairs and is a blast to drive. My daughter had ...
by user5027
Sun Apr 12, 2015 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Flood insurance premium compared to homeowners?
Replies: 1
Views: 358

Re: Flood insurance premium compared to homeowners?

We are in Pennsylvania but I am looking out my window at New Jersey. That will tell the geographically inclined what body of water is the flood threat. Just renewed home owners and flood insurance (we are with Liberty Mutual too). In 2015 HO increased 17%, FI increased 16% and FI/HO = 2.28 In 2014 H...
by user5027
Fri Apr 10, 2015 4:13 pm
Forum: Personal Consumer Issues
Topic: Would you use your neighbor's son for yard service?
Replies: 33
Views: 2408

Re: Would you use your neighbor's son for yard service?

MikeWillRetire wrote:Life was just so much simpler when I was a young man.....



+1 Cutting lawns in the neighborhood, when I was a young teen, was my first exposure to working for money. :moneybag
by user5027
Fri Apr 10, 2015 9:53 am
Forum: Investing - Help with Personal Investments
Topic: FDIC coverage
Replies: 3
Views: 376

Re: FDIC coverage

A joint account is not a trust account.
by user5027
Thu Apr 09, 2015 10:19 pm
Forum: Investing - Theory, News & General
Topic: Wall Street Fees Wipe Out $2.5 Billion in NYC Pensions
Replies: 17
Views: 2726

Re: Wall Street Fees Wipe Out $2.5 Billion in NYC Pensions

20/20 hindsight - we should have been tilted with financials while they were hosing them. :greedy
by user5027
Sat Apr 04, 2015 8:08 pm
Forum: Personal Consumer Issues
Topic: The train from Oslo to Copenhagen? Copenhagen ideas?
Replies: 25
Views: 1772

Re: The train from Oslo to Copenhagen? Copenhagen ideas?

Almost forgot - Little Mermaid.
by user5027
Sat Apr 04, 2015 7:36 pm
Forum: Personal Consumer Issues
Topic: The train from Oslo to Copenhagen? Copenhagen ideas?
Replies: 25
Views: 1772

Re: The train from Oslo to Copenhagen? Copenhagen ideas?

Copenhagen; Tivoli Gardens - it is right across from the train station. The canal boat tour. Nyhavn. You will be amazed by the number of people that commute by bicycle. There are thousands of bicycles parked at the train station. Many people ride the train for work and finish the last few miles by b...
by user5027
Fri Apr 03, 2015 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring Before Age 66
Replies: 21
Views: 4226

Re: Retiring Before Age 66

kmurp wrote:Would it be advisable to use money from a taxable investment account to fund an IRA and do yearly Roth conversions with that?


You need earned income to contribute to an ira.
by user5027
Fri Apr 03, 2015 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring Before Age 66
Replies: 21
Views: 4226

Re: Retiring Before Age 66

jcjc wrote:Hadn't thought of that. Our tax rate is high presently so didn't occur to me.


Here is the wiki on Roth Conversions...
http://www.bogleheads.org/wiki/Roth_IRA_conversion
by user5027
Tue Mar 31, 2015 8:01 am
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 9565

Re: Did you learn anything from 2008?

I learned to be sitting down before opening the statement from Vanguard. :shock: 2008 was before I had setup online access to my account. The jokers were saying they had a 401k now it is a 201k. :annoyed I did nothing. Work actually increased contributions to help the pain and all turned out well. I...
by user5027
Thu Mar 26, 2015 4:44 pm
Forum: Investing - Theory, News & General
Topic: My evil plan backfired
Replies: 53
Views: 7419

Re: My evil plan backfired

Reminds me of the backhanded compliment tossed around the office after you do something good...

"Even a blind squirrel will find a nut every once and a while."
by user5027
Thu Mar 26, 2015 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: help w/ margin account
Replies: 7
Views: 762

Re: help w/ margin account

Sorry I am not able to help since I do not know the answers to your questions.

I have heard you should never invest in anything you do not understand.

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