Search found 979 matches

by Padlin
Sat Mar 16, 2024 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Reevaluating social security
Replies: 49
Views: 4191

Re: Reevaluating social security

We had similar results till we checked 5 box at the top and entered our own mortality guesses, which for my wife are in the mid 90’s, me not so much. It then gave us her FRA and me at 70.
by Padlin
Sat Mar 16, 2024 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Taxing Roth IRA-I need Help
Replies: 13
Views: 1060

Re: Taxing Roth IRA-I need Help

I think the problem is you went to HRB.
by Padlin
Sat Mar 16, 2024 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Safe deposit box-have one? What's in there?
Replies: 115
Views: 10533

Re: Safe deposit box-have one? What's in there?

I had one till the branch closed 15 years or so ago and the others in the areas had nothing available. Same as most, wills, some coins, some cash, I and EE bonds, and other assorted “important” papers and “heirlooms.
by Padlin
Sat Mar 16, 2024 8:45 am
Forum: Investing - Theory, News & General
Topic: Question about withdrawing from Roth IRA
Replies: 9
Views: 1113

Re: Question about withdrawing from Roth IRA

To me it depends on what you plan to use the emergency fund for. To some, it’s stuff like fixing the car or replacing the fridge, in which case I’d suggest you do not use a Roth. If it’s for events like the house burning down or it being eaten by locusts, and you have a couple weeks worth of head space on a card card to get by till the Roth liquidates, then a Roth would work.

I used CD’s till the kids left the nest and I realized I had never needed to use the emergency $, at which time I transferred it to my wife’s unfunded Roth in a balanced fund where it still sits 20 years later but no longer as an emergency fund.
by Padlin
Sat Mar 16, 2024 7:56 am
Forum: Personal Finance (Not Investing)
Topic: The best game-changing financial advice you ever received (or "discovered")
Replies: 120
Views: 11119

Re: The best game-changing financial advice you ever received (or "discovered")

Index funds while reading the just published Common Sense on Mutual Funds, and finding the Diehards.
by Padlin
Fri Mar 15, 2024 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Travel Medical Insurance for Europe Trip
Replies: 16
Views: 1426

Re: Travel Medical Insurance for Europe Trip

I looked into it for an upcoming trip to Ireland, and opted to skip it. My Advantage plan covers emergency and urgent care, the kicker is you pay then they reimburse you. I figured being in Ireland where medical care is good I could make do without extra evac coverage. We did however agree to the trip insurance when we bought the tickets, it’s thru Allianz and comes with $20k medical, and $30k emergency transportation. I believe the Allianz is secondary, but I’ll see if I can get a copy of the policy just to know for certain. Also wasn’t aware of a possible $ limit from my advantage plan, I’ll need to check on that too. I had asked about “pre existing conditions”, was told my athsma, afib, and such don’t count unless I’ve had an active issu...
by Padlin
Tue Mar 12, 2024 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Why my mom will continue to need a financial advisor
Replies: 23
Views: 2088

Re: Why my mom will continue to need a financial advisor

We can, and have, had them done for $0 at the senior center, just have to remember to make an appt in Jan. I believe it’s done through AARP.

The down side is since Covid, you don’t sit down with the preparer. You fill out some questionnaire’s, drop them off on you appt day, then they call you later that once completed. You pick em up, look thru them, sign if you have no issues, drop them off and get a copy.

It works but feels kind of strange as it’s completely impersonal.
by Padlin
Tue Mar 12, 2024 7:24 pm
Forum: Investing - Theory, News & General
Topic: Age 60+ AND retired? What's your asset allocation? What type of bonds/Fixed Inc instruments do you use?
Replies: 57
Views: 8521

Re: Age 60+ AND retired? What's your asset allocation? What type of bonds/Fixed Inc instruments do you use?

We’re 67/68, retired since 13. Overall we are 50/50, IRA’s follow Taylor’s 4 fund, Roth’s are Wellesley.
by Padlin
Tue Mar 12, 2024 7:09 pm
Forum: Investing - Theory, News & General
Topic: Any investors from the 1981 - 1984 time period here???
Replies: 36
Views: 4324

Re: Any investors from the 1981 - 1984 time period here???

Started in 84, the only one I remember buying was Magellan but there were a few more, my records don’t go back that far.

Wow, 40 years ago.
by Padlin
Mon Mar 11, 2024 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Your Original Medicare OR Advantage Experience: Nightmare or Sublime?
Replies: 156
Views: 9924

Re: Your Original Medicare OR Advantage Experience: Nightmare or Sublime?

67, Tuft’s MA as OM doesn’t cover all my more expensive drugs. All our preexisting doctors are in their plan. Overall we are both good with the MA we have No coverage issues for either my wife or me, I did change to Tuft’s PPO this year, with the HMO plan I had last year I had to go to plan dr’s, with PPO I can go to any, granted non plan dr’s cost more. We have started using an urgent care when sick, getting in the same day beats waiting 3 or 4 days to see our primary care. No issues getting a hernia repaired, or being admitted for a night when my ticker went haywire. The only hassle I’ve had is if you call them, you get right through, just can’t understand them. FWIW, Massachusetts only has two supplemental plans, 3 if you started before...
by Padlin
Fri Mar 08, 2024 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Your Original Medicare OR Advantage Experience: Nightmare or Sublime?
Replies: 156
Views: 9924

Re: Your Original Medicare OR Advantage Experience: Nightmare or Sublime?

67, Tuft’s MA as OM doesn’t cover all my more expensive drugs. All our preexisting doctors are in their plan. Overall we are both good with the MA we have No coverage issues for either my wife or me, I did change to Tuft’s PPO this year, with the HMO plan I had last year I had to go to plan dr’s, with PPO I can go to any, granted non plan dr’s cost more. We have started using an urgent care when sick, getting in the same day beats waiting 3 or 4 days to see our primary care. No issues getting a hernia repaired, or being admitted for a night when my ticker went haywire. The only hassle I’ve had is if you call them, you get right through, just can’t understand them. FWIW, Massachusetts only has two supplemental plans, 3 if you started before ...
by Padlin
Thu Mar 07, 2024 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Your Original Medicare OR Advantage Experience: Nightmare or Sublime?
Replies: 156
Views: 9924

Re: Your Original Medicare Experience: Nightmare or Sublime?

I have MA, wanted OM but the part D’s available in Massachusetts didn’t cover the more $ drugs I’m on, to the tune of about $4k a month. Even with their coverage I end up in the donut hole by summer, which isn’t as bad as one is led to believe.
by Padlin
Wed Mar 06, 2024 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: When/Why would you need Trust over Will
Replies: 97
Views: 6416

Re: When/Why would you need Trust over Will

My attorney had us do a will and tells us a trust is optional, if you need one, at least in MA, your state may differ.

We were also told probate is no big deal here, in our case anyway, she mentioned it runs about $10k, and takes 6 months or so if I remember correctly.
by Padlin
Sun Jan 21, 2024 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Mom wants to give me her IRA, her advisor wants me to inherit it
Replies: 16
Views: 2131

Re: Mom wants to give me her IRA, her advisor wants me to inherit it

Tax free gifting limit for 2024 is $18k per recipient.
by Padlin
Fri Dec 29, 2023 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Retirement: what was more expensive than anticipated?
Replies: 80
Views: 19520

Re: Retirement: what was more expensive than anticipated?

Another one for health care but in our case it’s dental and drugs. I have no issues with Medicare’s medical coverage but there is no comparable plan for dental. Roughly 15-20k spent this year alone. I also hit the doughnut hole this year, spent somewhere around 4k out of pocket.

The other for us is travel, but just since Covid, seems everything skyrocketed.
by Padlin
Sun Dec 24, 2023 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: how much do you think you need to retire?
Replies: 279
Views: 56496

Re: how much do you think you need to retire?

helloeveryone wrote: Sun Dec 24, 2023 7:58 pm
Padlin wrote: Thu Dec 21, 2023 8:33 pm 11 years retired, 20X at retirement which was at 56, so far so good, plan to start SS at 70.

If you don’t want to count on 100% of SS being there have more.

Retiring so far from SS, leaves one open to sequence of returns risk, we got lucky.
what age did your SO take Social security? Is 62 generally the recommended age for the lower SS earner to take it?
Not in our case, my SO took it at her FRA, 66 and change. It’s worth running the calculator at Open Social Security with your info to find the most advantageous times for you.
by Padlin
Sun Dec 24, 2023 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Looking at Social Security bridge
Replies: 13
Views: 2077

Re: Looking at Social Security bridge

David Jay wrote: Thu Dec 21, 2023 8:16 pm Completely reasonable. My withdrawal rates for my 7 year bridge starts at 7% and will end up at about 12% of portfolio as I spend down some of the capital.

After filing at age 69 all regular expenses are covered by SS benefits, withdrawals are only needed for “lumpy” expenses. An adequate portfolio remains to replace the loss of income when the first spouse passes.
Pretty much the same except it’s been 11 years with 3 to go to 70 when I’ll start SS. It’s been fairly steady at about 7%.

I had used a 2 bucket approach when figuring if I could retire at 57. One bucket for the bridge, one after.
by Padlin
Thu Dec 21, 2023 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: how much do you think you need to retire?
Replies: 279
Views: 56496

Re: how much do you think you need to retire?

11 years retired, 20X at retirement which was at 56, so far so good, plan to start SS at 70.

If you don’t want to count on 100% of SS being there have more.

Retiring so far from SS, leaves one open to sequence of returns risk, we got lucky.
by Padlin
Mon Dec 18, 2023 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Bored in Retirement ??
Replies: 131
Views: 30100

Re: Anyone Bored in Retirement ??

Retired for 11 years, very seldom bored, I have too many interests to find time to be bored.

Part of it is that it takes me twice as long to do half as much, such is getting older.
by Padlin
Fri Dec 15, 2023 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: When Did You Feel Financially Secure and Comfortable?
Replies: 134
Views: 29418

Re: When Did You Feel Financially Secure and Comfortable?

For me it was the moment of FI. No debt, kids off on their own, enough to live the rest of our lives at the same levels we were at at the moment of FI.

It was nice knowing I didn’t have to work if there were layoffs or some such, which was the case 6 years later when I took a buy out during yet another round of layoffs. That’s 11 years ago.

This doesn’t mean that I don’t get concerned to some extent on those bad days.
by Padlin
Thu Dec 14, 2023 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Do CC Credit Limits Decrease Semi Retire ?
Replies: 8
Views: 1404

Re: Do CC Credit Limits Decrease Semi Retire ?

When I was working it seemed like my credit limit went up every couple years, now that I’m retired it has remained the same as the day I retired. I pay it off monthly and have been retired 10+ years.
by Padlin
Thu Dec 14, 2023 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Christmas Gifts (Cash) for Grandkids
Replies: 51
Views: 10258

Re: Christmas Gifts (Cash) for Grandkids

We use $100 as our target per grand kid, whether it’s cash, gift card, gift, or some combination. We have 6, 2 -18. $100 is a ballpark figure.
by Padlin
Wed Dec 13, 2023 8:56 pm
Forum: Personal Investments
Topic: SPIA, CD, IRA oh my. . . need input for best option!
Replies: 96
Views: 12701

Re: Best Rate and Go-To for SPIA

Some 401k’s allow you to fund an annuity thru them with some or all of the 401k’s assets. Might be worth calling and seeing if that’s an option, if so find out what kind of annuities they offer and with who, the type and insurance company matters.

I’d be surprised if you can get an annuity up in time for a Jan payment, but I could be wrong.
by Padlin
Wed Nov 29, 2023 1:07 pm
Forum: Investing - Theory, News & General
Topic: Taking Social Security at 62
Replies: 635
Views: 85542

Re: Taking Social Security at 62

“From a practical standpoint, if a lower middle class relative asked you for advice about how to handle the following scenario, how would you respond: they have a modest IRA and a six month emergency fund. They'll be 62 years old in January 2024. Pulling the $ difference between their Social Security benefit at 62 and 70 would consume at least half of their current IRA balance. They've vaguely heard some mention of a possible Social Security cut in years to come but don't know how to act on it. This person needs the income, either from Social Security or from their portfolio. They have worked in manual labor and are physically unable to continue with that. They may or may not be able to find supplemental retirement part-time work; unfortuna...
by Padlin
Sun Nov 26, 2023 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone found an insurance company with reasonable rate increases
Replies: 17
Views: 2339

Re: Anyone found an insurance company with reasonable rate increases

Got me curious. I don’t save old policies but my Amica full replacement value homeowners, went up 10% since 2020. Auto has too many variables to figure.

FWIW, my homeowners is up 80% compared to what it was in 2014, how much have home values risen in the same period. Yes, I still have the bill from 2014 for some reason.

I don’t live in a fire, earthquake, flood, or hurricane prone area bit I know a good portion of what I pay offsets the folks that do.
by Padlin
Sat Nov 18, 2023 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage EGWP vs. Public MA Plans
Replies: 28
Views: 3228

Re: Medicare Advantage EGWP vs. Public MA Plans

Without reading all the above… Company retirement medical benefit provides something like $1500 towards premiums at their chosen insurer. They require me to use United Healthcare, I think, their plans do not cover my 2 highest priced drugs, to the tune of about 6k, a month. So I pass on the benefit and choose my own plan from other companies. I have a Tuft’s HMO plan, I must use docs from their list and get referrals for specialist's. While all my regular Drs are in the plan going to a good specialist via the referral process is proving a to be a stumbling block. I’m changing to their PPO plan for next year. My wife, who’s in great health is fine with the HMO. Cost differences between the 2 plans are minuscule so not a factor. Medigap also ...
by Padlin
Sat Nov 18, 2023 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Those of you that retired early (pre-SS/RMD) - what were your expenses like first 5-10 yrs?
Replies: 26
Views: 4029

Re: Those of you that retired early (pre-SS/RMD) - what were your expenses like first 5-10 yrs?

Married, both retired at 56, will be 67 shortly, SS planned at 70. No debt, all major repairs and purchases done before we retired if it matters.

On a yearly basis, expenses are as planned for, same as when we worked, give or take.

Unplanned for changes… seems your teeth go to heck as you get older, no dental insurance, inflation.
by Padlin
Tue Aug 22, 2023 5:09 am
Forum: Personal Investments
Topic: Withdrawal plan
Replies: 7
Views: 1099

Re: Withdrawal plan

TheDDC AGI and MAGI are one and the same for us although they go by gross, not that I’ve tested the limits. I’ve had no need to itemize since the mortgage was paid off 15 years ago, so even with what I consider high medical I’ve not gone high enough to be concerned with using it as a deduction, if I had to pay out for the drug I easily would. It’s list price is $3600 a month and my Medicare pays nada. I’d be in the donut hole in January. Chances are I would not get it, there are much cheaper less effective alternatives. Mike, just cause I may not need it, or at least all of it, doesn’t mean I don’t want keep as much as I can. I thought about a Tips ladder, although not as much as I do now that bands dropped a much as they did. I am however ...
by Padlin
Mon Aug 21, 2023 7:44 pm
Forum: Personal Investments
Topic: Withdrawal plan
Replies: 7
Views: 1099

Re: Withdrawal plan

livesoft wrote: Mon Aug 21, 2023 6:24 pm I suppose you got your Roth conversions already figured out.
Nope
I’m in a gray area on conversions, I’m on a high priced drug that’s free as long as I don’t go over 100k income so I can’t do much but I suppose some is better then none.

I never thought I’d be in a position to need such, I’m not a big $ player like most here.
by Padlin
Mon Aug 21, 2023 6:20 pm
Forum: Personal Investments
Topic: Withdrawal plan
Replies: 7
Views: 1099

Withdrawal plan

Looking for opinions on how to fund the next few years expenses while I wait till I hit 70 for SS. I’ve been living off cash for a number of years now but that’s running low and we have 3 more years to go. Once I hit 70 the expenses are covered by SS so that’s not a concern. We have IRA’s, Roth’s, and some old I Bonds. I’m figuring on using $ from the IRA’s, which is split about 50/50 in Vanguard mutuals as follows. 35% Total US Stock Index 15% Total International Stock index 25% Total US Bond index 25% Intermediate Tips fund I’m planning on sitting on the Roth’s and I Bonds, the Roth’s being for car and such, the I Bonds are just paying pretty well. So the question is how best to fund the next 3 years? I was planning on splitting it betwee...
by Padlin
Thu Aug 17, 2023 6:30 pm
Forum: Investing - Theory, News & General
Topic: What motivated you to save money?
Replies: 232
Views: 27995

Re: What motivated you to save money?

My sister asked why I is that she and us siblings all ended up saving a good deal for retirement, no one had a real explanation for it. As kids we got by okay, Dad was a cop and usually had 1 or 2 part time jobs to keep us going but $ seemed to be an issue if the arguments we heard were any indication. We had enough food, a small (2 bedrooms for 6) but nice home but things like summer camps, or the latest style of sneakers were out of the question, we got Boy Scouts and Keds instead of Cons. We all were workers, starting as kids with paper routes and shoveling driveways, but not much got saved. Didn’t really start saving and investing till I was making enough to do so, somewhere around 30. Working at the WSJ helped, had to read the paper ev...
by Padlin
Thu Dec 22, 2022 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in checking?
Replies: 309
Views: 30128

Re: How much do you keep in checking (2022)?

I maintain a minimum $2K buffer after all bills are paid. Just before the CC gets paid it’s considerably higher, we use the CC for all purchases and most bills. I do keep a fair amount in the associated savings, no real reason.
by Padlin
Sun Dec 11, 2022 11:29 am
Forum: Investing - Theory, News & General
Topic: Simplicity
Replies: 42
Views: 8797

Re: Simplicity

Beardog wrote: Sun Dec 11, 2022 9:14 am 60 years old.
One bank account.
One credit card account, 40 years old (and counting), paid off monthly.
One wife of 40 years (and counting). By far, the most important of my investments.
No debt.
One Investment Company (Vanguard).
Four Index funds, divided across one pretax and one taxable account.
Steady and simple.
Identical, except I have some years on you.
by Padlin
Sat Dec 10, 2022 12:55 pm
Forum: US Chapters
Topic: Sad news - Sheepdog passed away
Replies: 135
Views: 25671

Re: Sad news - Sheepdog passed away

I’ve always skimmed threads looking for posts from those I’ve learned to trust, been reading Sheepdogs since Morningstar days.

RIP, you are missed.
by Padlin
Sat Dec 10, 2022 12:40 pm
Forum: Investing - Theory, News & General
Topic: Estimating Cost of Living in Retirement
Replies: 16
Views: 2031

Re: Estimating Cost of Living in Retirement

Tracked actual budget for a year a couple years before retirement, adjusted for what would change.

Proved to be close enough.
by Padlin
Sat Dec 10, 2022 12:33 pm
Forum: Investing - Theory, News & General
Topic: Retirees: who really keeps track of their withdrawal rate?
Replies: 74
Views: 8467

Re: Retirees: who really keeps track of their withdrawal rate?

Do not use the WR route, I use spreadsheet generated $ figures. If I tried to use a WR I’d need 3 different rates, one before SS, one when wife starts hers at 66 (Where we are now), and another when I start at 70. They vary too much to tell me anything.
by Padlin
Fri Dec 09, 2022 6:19 pm
Forum: Investing - Theory, News & General
Topic: Delay Social Security to age 70 and Spend more money at 62: How's It Going?
Replies: 130
Views: 19530

Re: Delay Social Security to age 70 and Spend more money at 62: How's It Going?

Without going back and rereading the old thread… We’ve taken this approach and so far no problems, the difference is we don’t need the whole amount we could spend, so we don’t take it. Ran a bunch of calculations 10 or so years ago that told me we could spend about 5k a year more if I wait till 70 for SS. Haven’t run the calculations for a couple years, supposed I should. Retired at 57, living off portfolio, started taking out somewhere around 7 or 8 percent a year. A year ago DW started SS at FRA, withdrawals from IRA now about 6 %. I’m also at FRA but waiting till 70 unless the crap hits the fan. At 70 IRA withdrawals go to less then 2%. I see no changes needed in the plan at this point. I have bumped up our withdrawals to keep up with in...
by Padlin
Thu Jun 23, 2022 5:57 pm
Forum: Personal Investments
Topic: What Interest Rate Are You Getting in Your Stable Value Account?
Replies: 15
Views: 1332

Re: What Interest Rate Are You Getting in Your Stable Value Account?

Stable Value fund probably differ in their content. The one I have access to at Fidelity is batches of mortgages in an insurance wrapper. Ours very slowly follows interest rates, good on the way down, not so good on the way up.
by Padlin
Mon Jun 20, 2022 6:33 pm
Forum: Personal Investments
Topic: Retirement, Bad Timing
Replies: 9
Views: 2581

Retirement, Bad Timing

Could use some suggestions for the following situation. I have a 63 yo sibling who retired this past January and has 12 months severance paid biweekly. The plan is to bridge to FRA of 66y, 10m. Currently has the lions share of their IRA and Roth in VSMGX, Vanguard Lifestrategy Moderate Growth (60/40), with a handful of individual stocks. Minimul cash reserve. No debt. The question is how to fund the bridge? Sell VSMGX to buy CD's, if so, when? need $ starting 1/2022 +/- Wait till Jan when the $ will be needed and sell VSMGX monthly to fund bridge directly? Any other ideas? If it matters, as of Jan 2021 IRA/Roth = about $1.2M Stocks = $200k Cash = $15k Spending = $50k No Pension. SS PIA about $30k I'm not interested in managing this persons ...
by Padlin
Sun Jun 19, 2022 6:32 am
Forum: Investing - Theory, News & General
Topic: “Buying the Dip?”
Replies: 134
Views: 27006

Re: “Buying the Dip?”

In years past I've bought the dip with mixed results, kind of like should I DCA or buy in all at once. Yet another crap shoot.
by Padlin
Fri Jun 17, 2022 7:20 pm
Forum: Personal Investments
Topic: Brokerage CD's
Replies: 3
Views: 483

Re: Brokerage CD's

I'm taking it that means the CD does remain as part of the account you use to buy it. Thanks
by Padlin
Fri Jun 17, 2022 6:56 pm
Forum: Personal Investments
Topic: Brokerage CD's
Replies: 3
Views: 483

Brokerage CD's

When does one pay income taxes when you purchase a Brokerage CD from a Traditional IRA with before tax dollars, when you purchase the CD, or when you redeem it?
by Padlin
Sat Jun 04, 2022 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Real world expenses changes after retirement
Replies: 36
Views: 5365

Re: Real world expenses changes after retirement

Having had very little work related expenses, we spend the same in retirement as we did before, minus FICA and the 401k, retired 10 years now.

Medical when I worked comes out about the same for the best Medicare plan we have available, so that's a wash.

Gas to travel in the RV for 3 months and commuting costs pretty much cancel each other out too.

It's hard to figure out food. We eat out much less then before, like maybe once a month, but with inflation the food budget is out of control. It's hard to spend $50 lb for good steaks, so I walk on by, which I would not have done when I worked.
by Padlin
Sat Jun 04, 2022 5:43 am
Forum: Investing - Theory, News & General
Topic: Did recent market down and inflation change your retirment plan?
Replies: 81
Views: 8145

Re: Did recent market down and inflation change your retirment plan?

WhiteMaxima wrote: Fri Jun 03, 2022 3:32 pm Did recent market down and inflation change your retirement plan?
Not yet. Retired for 10 years, I can do at roughly 50% without needing to change anything. It does have me paying attn though.
by Padlin
Thu Jun 02, 2022 3:08 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation resulting from creating a Social Security Bridge
Replies: 49
Views: 4415

Re: Asset Allocation resulting from creating a Social Security Bridge

How does one buy CD's and Bonds through an IRA?

I found it.
by Padlin
Thu Jun 02, 2022 2:20 pm
Forum: Investing - Theory, News & General
Topic: What convinced you that you can't outperform the market?
Replies: 179
Views: 15693

Re: What convinced you that you can't outperform the market?

Performance chasing thru the 90's and getting creamed in the dot-com 9//1 bust, just like everyone else at work. Saw a write up in Barron's about Common Sense on Mutual Funds, bought it, read it, practice it.
by Padlin
Sat May 28, 2022 7:51 pm
Forum: Personal Consumer Issues
Topic: Grilling / cooking gadget recommendations
Replies: 57
Views: 4705

Re: Grilling / cooking gadget recommendations

Sous Vide is good although many use a Foodsaver to bag the food to go in the Sous Vide. A Thermapen or one of their Bluetooth remote thermometers are always worth having. Other the those I'd say a good set of knives.
by Padlin
Mon May 23, 2022 6:57 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation resulting from creating a Social Security Bridge
Replies: 49
Views: 4415

Re: Asset Allocation resulting from creating a Social Security Bridge

I've been drawing from my "bridge" since 2013 and have 4.5 years to go, to age 70.

For me the bridge $ is counted as part of my AA's fixed side, a Money Market, a Tips fund, and Total US Bonds.

Started at 40/60, working towards 60/40 more or less @ 70.

Trying to set up a ladder or some such for 14 years was more then I wanted to take on.
by Padlin
Mon May 16, 2022 6:04 pm
Forum: Personal Consumer Issues
Topic: Opening pill blister packs
Replies: 11
Views: 1419

Re: Opening pill blister packs

I have one that I can't do at all, I resort to scissors. Cut around 3 sides, close to the pill.