Search found 323 matches

by 2retire
Fri Feb 05, 2016 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: 60 Years Old - Forced to Stop Working - Need Investment Advice
Replies: 30
Views: 3611

Re: 60 Years Old - Forced to Stop Working - Need Investment Advice

I didn't read all of the responses too carefully, but I wanted to point out that what your SS benefit would be at age 62 makes no difference if you go on SSDI. Once you start receiving SSDI, your past SS history doesn't matter. You will continue to receive the SDDI payment until your full retirement...
by 2retire
Wed Jan 06, 2016 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Is this okay to do with an HSA?
Replies: 5
Views: 510

Re: Is this okay to do with an HSA?

I should clarify. My company has an HSA specific direct deposit form that I fill out. They can direct my HSA money to a different place than my pay check. As far as I understand, they would take the amount I specified out of my paycheck, pre-tax, and deposit it into the account I tell them to. I was...
by 2retire
Wed Jan 06, 2016 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Is this okay to do with an HSA?
Replies: 5
Views: 510

Is this okay to do with an HSA?

My company is willing to deduct my HSA contribution from my paycheck and send it to my HSA Bank. However, they can't fulfill all the requirements of the HSA bank for the ACH deposit. I have a normal checking account at another bank. Is there any problem with me having my company deposit the money in...
by 2retire
Sun Jan 03, 2016 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Can I invest in two 401ks the same year?
Replies: 8
Views: 550

Re: Can I invest in two 401ks the same year?

Here are a couple of things to keep in mind when switching employers. The new employer might not allow you to get in their 401(k) on day one (some have 3-6 month exclusionary periods). This may mean that you need to up your contribution levels later in the year. This will make your pay checks smalle...
by 2retire
Wed Dec 30, 2015 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Why is my vanguard target fund down today?
Replies: 18
Views: 1886

Re: Why is my vanguard target fund down today?

This was definitely an odd year for the Vanguard Target Date funds. I'm in the 2030 fund and it normally has next to no capital gains distributions every year. This year, the capital gains distribution was were two thirds of the dividend payment. I wasn't expecting that tax bill.
by 2retire
Thu Dec 24, 2015 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Performance?
Replies: 45
Views: 4015

Re: Vanguard Personal Performance?

How are you guys navigating to get these numbers. I don't see anywhere on the Performance page that shows a table listing returns over time.
by 2retire
Tue Dec 22, 2015 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: How old can you be and retire early?
Replies: 56
Views: 3702

Re: How old can you be and retire early?

Based on this younger than age 62 is early: http://www.gallup.com/poll/168707/average-retirement-age-rises.aspx That Gallup poll is interesting. I wish I knew how to see all of the data as far back as they have it. I also wonder how reliable the data is with people self reporting. Before the 2008 f...
by 2retire
Thu Dec 17, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: Best noise cancelling headphones?
Replies: 47
Views: 3204

Re: Best noise cancelling headphones?

I'd much prefer over the ear headphones while working at my desk. However, the fact that no one seems to make ones that can be powered by USB is a show stopper for me. Those of you that have the QC20 (in ear version), can you keep the battery pack hooked up to USB and use the headphones continuously...
by 2retire
Tue Dec 15, 2015 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to still pay yourself after selling the company?
Replies: 10
Views: 710

Re: Does it make sense to still pay yourself after selling the company?

How did you come up with a $7500 IRA contribution? The max for 2015 is $6500 ($5500 for everyone and $1000 if the person is over 50). How much money did he and you make before he sold the company. If you guys made more than $6500 before then, he can max it out now. Nothing says they money has to be ...
by 2retire
Wed Nov 25, 2015 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Aligning Cash and Emergency Fund with years of Living Expenses
Replies: 7
Views: 811

Re: Aligning Cash and Emergency Fund with years of Living Expenses

It really depends on what you have or intend to use your emergency fund for. For example, would you consider a new roof or a new fence to come out of your emergency fund? If so, and your year 1 fund is large enough to cover those types of expenses, then I see no reason not to invest year 2 at a high...
by 2retire
Fri Oct 30, 2015 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 449
Views: 34619

Re: Changes to Social Security

3) There will no longer be the ability to retroactively unsuspend. (See here for a discussion of that strategy.) I didn't pick up on what this meant for single people, until I went over to Kitces blog and read what he had to say (with your corrections). I believe a lot of people will think that the...
by 2retire
Fri Oct 30, 2015 3:09 pm
Forum: Personal Consumer Issues
Topic: How far in advance were you able to open your HSA?
Replies: 3
Views: 301

How far in advance were you able to open your HSA?

According to the IRS, HSA's are for people already covered under a HDHP. During open enrollment, you aren't yet covered under a HDHP, so in theory, you shouldn't be allowed to open an account yet. I was wondering what your experience was like when you first opened your HSA. Did you open it before yo...
by 2retire
Wed Sep 16, 2015 12:54 pm
Forum: Investing - Theory, News & General
Topic: Personal Capital White Paper: Brokerage Fees
Replies: 30
Views: 2221

Re: Check out the fees charged by brokerage houses -- wow!

Our favorite, Edward Jones, isn't in the list :(
by 2retire
Wed Sep 16, 2015 12:52 pm
Forum: Investing - Theory, News & General
Topic: Yale collects Interest on Dutch Bond from 1648
Replies: 15
Views: 1886

Re: Yale collects Interest on Dutch Bond from 1648

I read it that they bought the bond for their archives. Someone probably then realized that they could collect money on it and that is why they didn't collect anything since 2003.
by 2retire
Mon Sep 14, 2015 9:35 am
Forum: Investing - Theory, News & General
Topic: Help me to compare these funds, meeting with advisor manager
Replies: 14
Views: 754

Re: Help me to compare these funds, meeting with advisor manager

You might want to point out that what they are doing is chasing performance. They expect that because a fund did well in the past, it will do well again in the future. Have a look at this graph: http://morning-wave-7809.herokuapp.com/#mwtix/vbtlx It clearly shows that the bond fund under-performed f...
by 2retire
Wed Aug 26, 2015 3:48 pm
Forum: Investing - Theory, News & General
Topic: Wash Sale Quiz!
Replies: 38
Views: 2841

Re: Wash Sale Quiz!

Why is this even a wash sale quiz question?

My understanding of a wash sale is it can't be a wash sale unless you buy more shares. Since she decides to sell shares to buy the Lexus, she doesn't have to worry about a wash sale until she is ready to buy more shares.
by 2retire
Sun Aug 23, 2015 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Clarification about the 5% "play money" thing...
Replies: 12
Views: 733

Re: Clarification about the 5% "play money" thing...

I've always envisioned it as a fixed 5% of your incoming investment dollars. Meaning every time you add money to your portfolio, you add 95% to you normal investments and 5% to your play money. In addition, you never rebalance between the two. If you lose it all, too bad; if you do great, keep swing...
by 2retire
Sun Aug 16, 2015 8:45 pm
Forum: Personal Consumer Issues
Topic: What's a Bug Out Bag and who uses them?
Replies: 72
Views: 9198

Re: What's a Bug Out Bag and who uses them?

In case you don't know TEOTWAWKI; The End Of The World As We Know It. Bug Out Bags are bags kept by people that have a serious belief that the end is coming, be it from political or environmental causes. Typically a bug out bag contains the necessary supplies to get you from you current home to wher...
by 2retire
Wed Jul 15, 2015 9:17 am
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 89
Views: 8361

Re: Are you going to shop on Prime Day?

Has anyone found any kind of way to limit what it shows? I'm only interested in electronics. I'd like to be able to see a list of all electronics and when they are coming up for sale. Right now, it requires too much time to sit there and sift through everything.
by 2retire
Tue Jun 09, 2015 3:53 pm
Forum: Investing - Theory, News & General
Topic: What does "The Market" refer to?
Replies: 7
Views: 697

Re: What does "The Market" refer to?

In this particular case, I have a feeling they were talking about the bond 'market', since that is what they were talking about just prior. There is a benchmark called that Barclays US Aggregate Bond Index. This index is often used to imply the bond market. It is negative for the year. Edit: If they...
by 2retire
Thu Jun 04, 2015 11:33 am
Forum: Personal Consumer Issues
Topic: Home Network Security - Minecraft
Replies: 12
Views: 1341

Re: Home Network Security - Minecraft

Most new wireless routers prevent wireless users from seeing each other for security reasons. You typically have to go into the router and turn this feature off. The way I secure my network from untrusted computers it to use two routers. You connect the first (untrusted router) directly to your cabl...
by 2retire
Sun May 31, 2015 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Solar panel forum
Replies: 2
Views: 493

Re: Solar panel forum

I second solarpaneltalk.com. It appears to be the bogleheads of the solar panel world. And like was already said, be sure to read all the stickies. Lots of good information in them, not just rules.
by 2retire
Sat May 30, 2015 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Trying to Login to Vanguard?
Replies: 22
Views: 1803

Re: Anyone Trying to Login to Vanguard?

It is more than just logging in too. I'm unable to use the search feature to look up the funds by ticker symbol.
by 2retire
Sat May 30, 2015 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Trying to Login to Vanguard?
Replies: 22
Views: 1803

Re: Anyone Trying to Login to Vanguard?

Yeah, they must be screwing around with something, because I can't get in with IE now either.
by 2retire
Sat May 30, 2015 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Trying to Login to Vanguard?
Replies: 22
Views: 1803

Re: Anyone Trying to Login to Vanguard?

I too just tried to log in to do my monthly reconciliation and can't get in with Firefox. I managed to get in with IE though. I don't believe it is cache settings. I do all my browsing in private mode, so no cookies or cache is kept. I believe their redesign broke the site for people that browse in ...
by 2retire
Mon May 25, 2015 7:52 pm
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 90
Views: 13326

Re: Any solo retired RVer's out there?

If you want to do more research on Casitas, you'll want to visit:

http://casitaclub.com

It is the Bogleheads equivalent for Casita owners.
by 2retire
Mon Apr 13, 2015 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Need tax breaks for this year?
Replies: 19
Views: 1283

Re: Need tax breaks for this year?

Please clarify. What your proposing makes absolutely no sense.

You have the ability to take out $115K HELOC or you already have taken out $115K? If the later, why?
by 2retire
Fri Apr 10, 2015 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Short term disability
Replies: 15
Views: 1234

Re: Short term disability

Do you have an emergency fund? This is exactly what emergency funds are for.
by 2retire
Thu Apr 09, 2015 10:09 am
Forum: Personal Consumer Issues
Topic: Probability question for math wizzes
Replies: 7
Views: 1499

Re: Probability question for math wizzes

Thanks for the answers so far. It looks like I have some reading and research to do. I figured I might need to do some, but I had no idea what terms I even needed to Google on. Hopefully, I can find some Khan Academy videos that will explain some of this. I'm sure I'll be back with more questions. E...
by 2retire
Wed Apr 08, 2015 1:19 pm
Forum: Personal Consumer Issues
Topic: Probability question for math wizzes
Replies: 7
Views: 1499

Probability question for math wizzes

I have a couple of probability questions I'm trying to learn how to solve. Since there seem to be so many people good with math here, I thought I'd pose it to you. Person A states: 75% chance of A happening 25% chance of B happening Person B runs a test 100 times and comes up with: A happened 98 tim...
by 2retire
Fri Mar 20, 2015 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: RMD
Replies: 6
Views: 619

Re: RMD

Neither.

Wait until your year end statements are ready and use those values. You have a whole year to take the money out, there is no rush.
by 2retire
Thu Mar 12, 2015 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contrafund
Replies: 39
Views: 7165

Re: Fidelity Contrafund

I have held it even longer. It is about 5% of my portfolio right now. Since the early 90's, my XIRR is 11.14%. It has really become a closet index fund. Here is a telltale chart of its performance. http://morning-wave-7809.herokuapp.com/#fcntx/VTSMX A large part of the run up in the 2000's was becau...
by 2retire
Thu Mar 05, 2015 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Separate Phone for Business?
Replies: 14
Views: 717

Re: Separate Phone for Business?

You also need to think about security, if the phone will be used to synch to corporate mail servers. Most companies can wipe phones remotely in the event a phone is lost, stolen, or they are terminating an employee. There have been cases where employees have been terminated and their phone wiped bef...
by 2retire
Wed Mar 04, 2015 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: not sure about my adviser
Replies: 68
Views: 6975

Re: not sure about my adviser

If you are paying loads, then remember that every time they convinced you to sell one fund and buy another, they just took some percent of your money. Example: Start the year with 100,000 Market is up 10% You now have 110,000. They convince you to switch funds to one that has 5% load. Adviser takes ...
by 2retire
Wed Feb 25, 2015 12:24 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 34
Views: 3014

Re: Grand Canyon

As for going down, that's not important. It's Going Up that's the kicker - just remember to calculate "6 times as long up as down". This can't be overstated. This is where most people get in trouble in the canyon. They start the hike down and don't think it is a big deal until they have t...
by 2retire
Sun Feb 22, 2015 10:08 am
Forum: Personal Consumer Issues
Topic: Going to Austin, TX in March. What should we be doing?
Replies: 24
Views: 1778

Re: Going to Austin, TX in March. What should we be doing?

If you're not from a major metropolitan area, and have never been to a Brazilian steakhouse, you might want to give one a try. Although not special to Austin, they tend to only be located in major metropolitan areas due to their swankiness. It is a fixed price menu, usually about $55 to $75 per pers...
by 2retire
Fri Feb 20, 2015 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security COLAs
Replies: 13
Views: 723

Re: Social Security COLAs

According to the interview recently done by Morningstar with the chief actuary of the Social Security Administration. http://news.morningstar.com/articlenet/article.aspx?id=684071 The COLA adjustment doesn't start until your 62'nd birthday. Everyone aged 62 and above gets the COLA adjustment, whethe...
by 2retire
Fri Feb 20, 2015 12:56 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 34
Views: 3014

Re: Grand Canyon

Is rim to rim to rim even possible (for your average human)? When I last went, you were only allowed two nights in the canyon. I suppose you could wait at the North Rim until a walk-up permit became available.
by 2retire
Fri Feb 20, 2015 12:45 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 34
Views: 3014

Re: Grand Canyon

lthenderson wrote:[snip] When I got off the river, the guides offered me a job a raft swamper for their next trip and I declined and went back to my nine to five job. It was the worst decision I ever made!

http://www.grandcanyonwhitewater.com/wh ... a-swamper/
by 2retire
Wed Feb 18, 2015 9:11 pm
Forum: Investing - Theory, News & General
Topic: VWENX huge hit today! [Vanguard Wellington Admiral]
Replies: 40
Views: 4529

Re: VWENX huge hit today! [Vanguard Wellington Admiral]

When things like this happen, it is best to go and look at the fund's top 25 holdings on Morningstar. If you do that you'll see they have large positions in Finance and Energy. Stocks in both were down quite a bit today. Their top 25 holdings in those sectors were down over 1.5% today.
by 2retire
Tue Feb 17, 2015 8:01 pm
Forum: Investing - Theory, News & General
Topic: Over the long-run, are there any poor-performing sectors?
Replies: 13
Views: 1154

Re: Over the long-run, are there any poor-performing sectors

I seem to recall reading somewhere that airlines have been terrible investments.
by 2retire
Mon Feb 16, 2015 10:10 am
Forum: Investing - Help with Personal Investments
Topic: How to do "what if" accounting for periodic contributions?
Replies: 4
Views: 364

Re: How to do "what if" accounting for periodic contribution

It really only affects things in the early stages. Once the amount you have saved dwarfs the contributions, the effect is minimal. Think about it this way. At the beginning of every year, all of the dollars you already have invested are earning what the "growth of 10K" chart shows. Only th...
by 2retire
Sun Feb 15, 2015 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth tax chaos; did my F.A. lead me astray?
Replies: 36
Views: 2449

Re: Backdoor Roth tax chaos; did my F.A. lead me astray?

Did you use Turbo Tax last year and import your data for this year's taxes?

Did you do it like this:

http://thefinancebuff.com/how-to-report ... botax.html
by 2retire
Tue Feb 10, 2015 10:26 pm
Forum: Personal Consumer Issues
Topic: Joining the free dinner circuit? Promises, promises.
Replies: 100
Views: 9830

Re: Joining the free dinner circuit? Promises, promises.

Thanks for posting these reviews. I was surprised they didn't give people alcohol in order to lower their guards a bit, on the other hand, you seem to be the only one in the room with any guard whatsoever. That may be why they don't. They don't want anyone claiming they sold them something while un...
by 2retire
Tue Feb 10, 2015 3:23 pm
Forum: Investing - Theory, News & General
Topic: More evidence that we are dopey investors
Replies: 19
Views: 2152

Re: More evidence that we are dopey investors

It sounds like you are in the same plan as this person that posted earlier today:

viewtopic.php?f=10&t=157949&newpost=2370302
by 2retire
Tue Feb 10, 2015 11:27 am
Forum: Investing - Theory, News & General
Topic: small-caps only 3% in retirement portfolio?
Replies: 5
Views: 1097

Re: small-caps only 3% in retirement portfolio?

By chance, when you look at the performance of the funds offered, does that fund have the highest return over the last several years? My guess is it does and people in the plan have been throwing all their money at it. It sounds like they are taking fiduciary action and making sure people understand...
by 2retire
Thu Feb 05, 2015 9:27 am
Forum: Investing - Help with Personal Investments
Topic: $10,000 lump sum into VTIAX?
Replies: 19
Views: 1761

Re: $10,000 lump sum into VTIAX?

I would do it. I myself am saving up at the beginning of this year to put a lump sum of $10K+ into VTIAX instead of VTGSX. I don't consider the free conversion a moot point, since the number of shares you own can change. It happened to me when an account went from from VTSMX to VTSAX. Since I like t...
by 2retire
Wed Feb 04, 2015 10:21 pm
Forum: Personal Consumer Issues
Topic: Seeking advice on learning computer science
Replies: 40
Views: 2389

Re: Seeking advice on learning computer science

You don't really want to learn computer science, but it sounds like you have already come to that realization. Computer Science programs actually deal with a lot of things that your typical programmer never needs to know or care about, things like which sort method you should use for optimal sorting...
by 2retire
Fri Jan 30, 2015 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 107
Views: 12154

Re: How to respond when someone asks how much money you make

Depending on the context, I don't have a problem with telling people my salary. It is all in how the question comes up and why the person might be asking. For example, I don't have a problem discussing salaries with other people in my line of work or close family, but I wouldn't go discussing my sal...

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