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Re: Retired, my viewpoint has changed again.

Someone (Suzy O?) referred to money as freedom. That is what I have to remember. I have the freedom to relax and not be encumbered by day to day worries. I should not look inward and "small", but outward and explore all that is possible. It should be fun. Maybe time to change your usernam...
by zed
Thu Oct 16, 2014 7:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Retired, my viewpoint has changed again.
Replies: 22
Views: 3154

Re: Pension buyout...take annuity now or later?

Use the search tool to look for posts from g$$. Here's a good place to start

viewtopic.php?f=1&t=129811
by zed
Sat Oct 04, 2014 8:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout...take annuity now or later?
Replies: 20
Views: 1456

Re: Would you buy a house in cash if you had enough?

Haven't read the entire thread so apologize if this was brought up already ... consider looking at your SWR (ie the burn down rate of your ENTIRE portfolio) with and without the mortgage. Every situation is unique but FWIW in my situation paying cash with funds taken from my portfolio actually reduc...
by zed
Fri Oct 03, 2014 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house in cash if you had enough?
Replies: 59
Views: 4336

Re: What SWR/expense multiple to use for early retirement pl

I early retired last fall at age 53. With income streams from DW's SS, my early pension draw, a small drawdown from after tax investments, taking advantage of ACA subsidies and by reducing living expenses by buying rather than renting; our SWR is well south of 2%. It's complicated but best to look a...
by zed
Thu Oct 02, 2014 9:20 am
 
Forum: Investing - Theory, News & General
Topic: What SWR/expense multiple to use for early retirement plan?
Replies: 63
Views: 3068

Re: Verizon to Page Plus - documenting my experience

Kitty has raised its fee on the $10 / 100 minute plan (and other plans) to $3.00 starting in September. I have used them when the fee was .75 for a total of $10.75. Three bucks does not break the bank but there are other Page Plus sellers out there. Here is one that says no fees. No experience with...
by zed
Mon Sep 29, 2014 1:59 pm
 
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 64
Views: 8536

Re: Verizon to Page Plus - documenting my experience

My mom is still on Verizon paying about $40 a month for 750 minutes. Those minutes are overkill. I'd like to switch her to a cheaper plan AND be able to port her off-contract Verizon old flip phone. No way she'll use a smartphone. Is PP an option for her? She uses max 200 minutes a month.
by zed
Sun Sep 28, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 64
Views: 8536

Re: Bill Gross moving from PIMCO to Janus, Monday

Bill Gross has billions yet he still wants to roll out of bed every morning and don that suit and tie. Why does he do it? What makes the man tick? Maybe he's been reading Kingsley. Notable quote: "We act as though comfort and luxury were the chief requirements of life, when all we need to make ...
by zed
Fri Sep 26, 2014 7:08 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 113
Views: 10035

Re: Retiree Portfolio Model

BigFoot48,

Think multi-media. When are you going to post youtube videos on using the modeler :wink:
by zed
Fri Sep 26, 2014 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 130
Views: 31377

Re: Bill Gross moving from PIMCO to Janus, Monday

The Smartest Guy's In The Room Redux?
I fired Janus after the Enron flame out. Boy can I hold a grudge.
by zed
Fri Sep 26, 2014 9:39 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 113
Views: 10035

Re: Lump Sum Offer

On a previous post 2CENTS2 asks if spreadsheet formulas are available from ZED - personally I think it would be a positive enhancement to the forum if we could attach documents in certain cases - but I know there are virus concerns - but other forums allow it and so there must be a way to screen th...
by zed
Tue Sep 23, 2014 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer
Replies: 25
Views: 3131

Re: Lump Sum Offer

Barefootgirl, A lot of great suggestions here. I'm considering a pension buyout offer as well. The options sound similar to your situation. Suggest that you put together a spreadsheet and plug in the numbers from your pension buyout offer and from a comparable SPIA. I found doing so helpful as it di...
by zed
Wed Sep 17, 2014 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer
Replies: 25
Views: 3131

Re: Why do so many think their home is a foolproof investmen

What really blows my mind is the inanity of the repeated posts on this topic. Forget about whether a house can be considered an investment. Any further thoughts I could possibly provide here would be the equivalent of shooting a toy water pistol at a forest fire. I think the far more interesting qu...
by zed
Tue Sep 16, 2014 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 6554

Re: Could you sleep with all your money in Berkshire Hathawa

I voted no.

full disclosure: I own one share of BRK.B which entitles me to an 8% discount on my auto insurance. 8-)
by zed
Sun Sep 14, 2014 11:09 am
 
Forum: Investing - Theory, News & General
Topic: Could you sleep with all your money in Berkshire Hathaway?
Replies: 49
Views: 3951

Re: Start all over at 63 years of age?

... A sound approach. But please explain your rationale for DCA by Nov 2016 Just a hopeful WAG targeted to about 2 years hence. See Ferri's article for more action steps/rationale. 4 Rules for Investing a Lump Sum: http://www.rickferri.com/blog/investments/4-rules-for-investing-a-lump-sum/ Got it. ...
by zed
Sat Aug 09, 2014 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Start all over at 63 years of age?
Replies: 23
Views: 4212

Re: Start all over at 63 years of age?

Bogleheads Investment Philosophy: http://www.bogleheads.org/wiki/Bogleheads_Investment_Philosophy Cash. Think I'd be tempted to keep as cash (initially) 7 years of living expenses (63-70) and plan to take SS at 70. And for every year I was still employed, convert that year's cash to investment. Bon...
by zed
Sat Aug 09, 2014 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Start all over at 63 years of age?
Replies: 23
Views: 4212

Re: Home Appraisal Comps

When I'm looking in our MLS system it shows the sales price and the down payment. Since the State has certain title transfer taxes the selling price has to be accurate. The only thing that gets hidden is the Sellers contribution to buyers closing costs. I'll often ask for the seller to contribute 2...
by zed
Sun Jun 29, 2014 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Appraisal Comps
Replies: 12
Views: 853

Re: It is time to retire when you .......

... finally use up that box of employer-supplied staples
by zed
Mon Jun 23, 2014 9:04 am
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 10098

Re: What smartphone plan do you use?- off contract

I have been evaluating Republic Wireless for the last few weeks. Http://www.mrmoneymustache.com/2014/05/13/moto-x-vs-moto-g/ I'd been resistant to going with a smartphone until I got the moto g. Encountered only one quirky problem with receiving calls while roaming but am generally satisfied with th...
by zed
Sat Jun 14, 2014 9:12 am
 
Forum: Personal Consumer Issues
Topic: What smartphone plan do you use?- off contract
Replies: 100
Views: 5833

Re: How to pay ZERO taxes in retirement with 6-figure expens

Sharing http://www.kitces.com/blog/splitting-a-roth-conversion-into-multiple-accounts-to-isolate-investments-for-strategic-recharacterization/?utm_source=Nerd%E2%80%99s+Eye+View+%7C+Kitces.com&utm_medium=email&utm_campaign=afcfde9dd6-NEV_MAILCHIMP_LIST&utm_term=0_4c81298299-afcfde9dd6-57...
by zed
Fri Jun 13, 2014 8:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to pay ZERO taxes in retirement with 6-figure expenses
Replies: 161
Views: 46615

Re: Mortgages/Black Swans/Larry Portfolio/Antifragility

Seems to me that the fragility comes in at a) owning a fractional share of real estate (your equity) and b) being on the hook for the mortgage (your liability.) Paying cash for the house is off the table so I think your real concern is not being able to make the mortgage payment should you become un...
by zed
Fri Jun 13, 2014 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mortgages/Black Swans/Larry Portfolio/Antifragility
Replies: 27
Views: 1832

Re: Mortgages/Black Swans/Larry Portfolio/Antifragility

Your logic is based on the premise that there is a strong and consistent correlation between residential real estate valuations and equity valuations. Is there?

full disclosure: I'm a happy renter but would buy again if the deal penciled out
by zed
Fri Jun 13, 2014 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Mortgages/Black Swans/Larry Portfolio/Antifragility
Replies: 27
Views: 1832

Re: Mistake: extra dirt

Maybe they just want to forget about it. One time I had stopped in at a big-box home improvement center to purchase several sheets of Hardiboard to use as an underlayment for a tile floor. I paid for 30 sheets and they used a forklift to load the banded bundle onto my truck. I got home to find that ...
by zed
Sat Jun 07, 2014 9:35 am
 
Forum: Personal Consumer Issues
Topic: Mistake: extra dirt
Replies: 24
Views: 2207

Re: Is schwab good?

I don't have an account with them anymore but at one time I held a hodgepodge of individual stocks at Schwab. Then one day my Schwab broker mentioned in passing Vanguard index funds. The rest (including my holdings at Schwab) is history.
by zed
Tue Jun 03, 2014 9:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Is schwab good?
Replies: 13
Views: 1116

Re: New Google Moto-E smartphone for $129

Slightly off topic
Republic Wireless becomes 50% More Frugal with the Moto G: A Review

Http://www.mrmoneymustache.com/2014/05/ ... vs-moto-g/
by zed
Sat May 17, 2014 9:10 am
 
Forum: Personal Consumer Issues
Topic: New Google Moto-E smartphone for $129
Replies: 42
Views: 3985

Re: re: COBRA

davebarnes wrote:Look at a regular, on the market, health insurance policy.
A high deductible, HSA plan may be a lot less expensive than COBRA.


Good ideas. Also with little income you could be eligible for substantial ACA subsidies ( healthcare.gov )
by zed
Thu May 08, 2014 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Why am i stressed after being laid off? (3yr expenses saved)
Replies: 15
Views: 2589

Re: Why am i stressed after being laid off? (3yr expenses sa

Yes, I think it is normal to be stressed after a layoff. Fear of the future. Fear of the unknown. I've been there. Laid off twice within 5 years. I remember losing my youthful optimism during those times. It never really came back. Remember, you can't prevent the attack....only your response to it....
by zed
Thu May 08, 2014 9:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Why am i stressed after being laid off? (3yr expenses saved)
Replies: 15
Views: 2589

Re: Delay Social Security to age 70 and Spend more money at

Perhaps I can throw another stick on the fire. I have a term life insurance policy that ends at age 72 when DW would be 70. I bought it to protect DW because I was taking a "my life" only option on my DB pension. However it is also sized to roughly replace the retirement funds that would ...
by zed
Sun May 04, 2014 8:02 am
 
Forum: Investing - Theory, News & General
Topic: Delay Social Security to age 70 and Spend more money at 62
Replies: 143
Views: 13784

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

Lots of good thoughs being shared. Regarding Montana specifically, - jobs, unless its oil-related, there aren't any - housing, for fly-over country, housing is relatively expensive Peruse this forum http://www.city-data.com/forum/bozeman/ full disclosure: "Retired" to western Montana three...
by zed
Fri Apr 25, 2014 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Tell Me I'm Stupid To Consider Quitting My Job and Moving
Replies: 123
Views: 28387

Re: Oh No! My Tilt has untilted!

...Having taken stands on such things as value and small cap tilting, dividend investing, momentum investing, individual stocks, etc., I have pointed out the virtues and pitfalls of these approaches. It probably makes me sound wishy-washy. That is one reason I chose the Charlie Brown avatar. And I ...
by zed
Sat Apr 19, 2014 8:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Oh No! My Tilt has untilted!
Replies: 15
Views: 2519

Re: Bernstein retirement plan

Bernstein himself believes your retirement has a 20% chance of being disrupted by something you can't control (you know Nuclear War, the dissolution of the US, etc) so there is no point choosing a withdrawal plan with a higher probability of success than that. (http://www.efficientfrontier.com/ef/1...
by zed
Sat Apr 19, 2014 7:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Bernstein retirement plan
Replies: 41
Views: 7283

Re: Bernstein retirement plan

I don't manage 2 separate portfolios but always do the calculation to make sure I have enough "safe" assets to fund 20-25 years of residual expenses. I am fortunate to have a decent "excess" over those "safe" assets. I don't know what I would do if my total assets were...
by zed
Fri Apr 18, 2014 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Bernstein retirement plan
Replies: 41
Views: 7283

Re: gold , silver, copper and uranium only

Holding all four in large quantities makes one a target for UN sanctions :oops:
by zed
Mon Apr 14, 2014 7:56 am
 
Forum: Investing - Theory, News & General
Topic: gold , silver, copper and uranium only
Replies: 46
Views: 3249

Re: William Bernstein-When you've won the game, why keep pla

YDNAL wrote:
bengal22 wrote:I think the whole concept of "won the game" is nonsensical. Why would you not want to continue to grow your portfolio at a risk that is acceptable to you. Taking one's money off the table is a risk in itself. I for one will stay in the game until I breathe my last.
Parker wrote:If you felt comfortable with stock and real estate fluctuations result in higher overall returns in your accumulation phase why would that change in your distribution phase if you have over 5 years of living expenses in bonds/cash?

Have you read THIS ?


+1
Landy, thanks for sharing
by zed
Wed Mar 12, 2014 8:51 am
 
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 264
Views: 33972

Re: New York TImes/WSJ

Barefootgirl wrote:Hi, thanks - can I ask how you view for free? after a few articles, they block me until I pay.

thanks BFG


On some sites its a matter of disabling java script
by zed
Sun Mar 09, 2014 9:00 am
 
Forum: Personal Consumer Issues
Topic: New York TImes/WSJ [paper vs. online subscriptions]
Replies: 40
Views: 2315

Re: Vanguard App on Kindle Fire

FWIW I'm running the Vandguard app just fine on a Samsung tablet. Perhaps your issue is unique to Amazons port to android ie kindle.
by zed
Thu Mar 06, 2014 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard App on Kindle Fire
Replies: 2
Views: 317

Re: Tips for making iPhone apps

FWIW, I'm currently enjoying this course: Creative, Serious and Playful Science of Android Apps This course introduces the fundamental computer science principles that power today’s apps. You will also learn to create your own Android app using Java and standard software development tools. ... This ...
by zed
Wed Feb 12, 2014 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Tips for making iPhone apps
Replies: 13
Views: 1262

Re: Retiring...where to draw from first

All excellent advice. Especially Peter Foley's suggestion of having a written plan going a few years out -- not just for your benefit but also for your spouse. Another dimension to consider is the PF exercise but running the number as if one or the other spouse predeceases the other. Going from Marr...
by zed
Tue Feb 11, 2014 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Retiring...where to draw from first
Replies: 7
Views: 1560

Re: Wealthfront Tax Loss Harvesting White Paper

neurosphere ,

You beat me to the punch! :beer
by zed
Fri Feb 07, 2014 6:47 pm
 
Forum: Investing - Theory, News & General
Topic: Wealthfront's tax lost harvesting claims not quite accurate
Replies: 10
Views: 1441

Re: Wealthfront Tax Loss Harvesting White Paper

livesoft, Perhaps my last edit and your first post crossed in the ether. I'm not concerned with the uber-wealthy either. I am however revisited my TLH strategy in light of the fact that since I'm now semi-retired and thus have a lot of tax-free LTCG headroom in my 15% tax bracket, TGH makes more sen...
by zed
Fri Feb 07, 2014 6:46 pm
 
Forum: Investing - Theory, News & General
Topic: Wealthfront's tax lost harvesting claims not quite accurate
Replies: 10
Views: 1441

Wealthfront Tax Loss Harvesting White Paper

[Thread merged into here, see below. --admin LadyGeek] Michael Kitces hits one out of the park in his blog post on "how not to calculate tax alpha". The benefits of reducing current tax liabilities through tax loss harvesting are widely acknowledged - so much, that the IRS developed the 3...
by zed
Fri Feb 07, 2014 6:29 pm
 
Forum: Investing - Theory, News & General
Topic: Wealthfront's tax lost harvesting claims not quite accurate
Replies: 10
Views: 1441

Re: Rebalancing on Friday

Bustoff wrote:What happened to Umfundi ? He's gone. :(


Evidentally. I sent him a "Wassup?" PM a while back . Never got a reply. :(
by zed
Fri Feb 07, 2014 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing on Friday
Replies: 37
Views: 2947

Re: Roth Conversion "Horse Race"

rkhusky wrote:I wonder what the ratio is of tax deferred savings vs. Roth?


Good question. For me it's half-and-half taxable/tax-advantaged with only a "smidgen" (my new favorite word) of Roth. I'd like to get at least half of my tax-advantaged converted to Roth over time.
by zed
Tue Feb 04, 2014 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: Roth Conversion "Horse Race"
Replies: 41
Views: 4493

Re: Roth Conversion "Horse Race"

Wow what a great collection of ideas. Thanks to everyone who has contributed. Let's see if I can compile and recap the main points of the Roth conversion/recharacterization strategies. There's the “Let's keep it simple” camp who might choose one of these strategies: a) Pick one and only one asset cl...
by zed
Fri Jan 31, 2014 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: Roth Conversion "Horse Race"
Replies: 41
Views: 4493

Re: Roth Conversion "Horse Race"

Is it a requirement of the roth conversion to convert into an empty roth account or is this being done to make the recharacterization cleaner/easier?

Also at what point and how does one "sweep" the funds out of the roth account assuming no recharacterization was needed?
by zed
Thu Jan 30, 2014 8:17 pm
 
Forum: Investing - Theory, News & General
Topic: Roth Conversion "Horse Race"
Replies: 41
Views: 4493

Re: Roth Conversion "Horse Race"

https://www.fidelity.com/viewpoints/ret ... conversion
Very interesting strategy. This Fidelity link has some useful examples
by zed
Tue Jan 28, 2014 7:32 pm
 
Forum: Investing - Theory, News & General
Topic: Roth Conversion "Horse Race"
Replies: 41
Views: 4493

Re: Gopher Madness

Vested1, You should have brought this to me sooner. Thats okay dont worry its not too late. This is important so get a pencil and write this down. First off stock the fridge with plenty of beer. Next load up on chips, dip, chicken wings and those pizza pocket things that you heat up in the micowave....
by zed
Sun Jan 26, 2014 9:59 pm
 
Forum: Personal Consumer Issues
Topic: Gopher Madness
Replies: 71
Views: 3358

Re: Should one in Retirement Rebalance

Landy,

How do you manage to retrieve those gems so quickly? Nevermind. Just keep doing what you're doing. Oh, and thanks :happy
by zed
Tue Jan 21, 2014 6:03 pm
 
Forum: Investing - Theory, News & General
Topic: Should one in Retirement Rebalance
Replies: 17
Views: 1248

Re: Does it really make sense to max out tax-deferred?

I'm 41, and plan on retiring (if everything falls into place) at 58. My wife will have a solid pension, which also factors into my decision to not max out tax-advantaged space. If you retire at 58, you can have 12 years of low income before you start taking Social Security and RMDs at the age of 70...
by zed
Fri Jan 17, 2014 12:08 pm
 
Forum: Investing - Theory, News & General
Topic: Does it really make sense to max out tax-deferred?
Replies: 40
Views: 4200

Re: Swedroe's New Book

Looking forward to Larry's new book too
by zed
Thu Jan 16, 2014 7:29 pm
 
Forum: Investing - Theory, News & General
Topic: Swedroe's New Book
Replies: 76
Views: 12638
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