Search found 716 matches

by J295
Thu Sep 29, 2016 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Retirement based on not on #, but healthcare?
Replies: 50
Views: 2743

Re: Retirement based on not on #, but healthcare?

No. Transitioned at age 53. Health care is like any other expense to us. Our issue isn't cost, but availability of coverage (currently on ACA Exchange Plan). Even so, we weren't willing to shelve our plans due to health insurance (to us, it would be like the tail wagging the dog). We'll make due wit...
by J295
Tue Sep 27, 2016 2:33 pm
Forum: Personal Consumer Issues
Topic: Spouse concerned about buying luxury SUV
Replies: 52
Views: 4956

Re: Spouse concerned about buying luxury SUV

Can't go wrong with any of the three you list. To me it is what type of ride/features do you want. For a point of reference, we have driven Hondas and Infinitis. Prefer the Honda over the Infinit. Now have a 2016 Lexus GX460 and I love it (wife really doesn't care and is happy with her 2003 Accord)....
by J295
Tue Sep 27, 2016 6:21 am
Forum: Personal Consumer Issues
Topic: has anyone leased a luxury/sport car to get it out of their system?
Replies: 44
Views: 3319

Re: has anyone leased a luxury/sport car to get it out of their system?

OP -- You're excited for it and can afford it so give it a try. I'm not a sports car guy, but we did get rid of a 2004 Infiniti with 165k miles and purchased a new large Lexus SUV and I love driving it and taking good care of it. Side note: In my 40s when the first child started to drive I gave her ...
by J295
Tue Sep 27, 2016 6:06 am
Forum: Personal Consumer Issues
Topic: Stain Our Deck Before Winter - $3,000 or DIY?
Replies: 41
Views: 3150

Re: Stain Our Deck Before Winter - $3,000 or DIY?

You can do it if you choose. It is hard work! When the time comes to replace the deck consider a more permanent material -- they wear well and look great. Lots of great resources on the internet. I strongly recommend high quality stain and whatever tools you decide to use. Don't skimp on either, as ...
by J295
Tue Sep 27, 2016 5:46 am
Forum: Personal Consumer Issues
Topic: Does it matter what type of college one goes to?
Replies: 180
Views: 8152

Re: Does it matter what type of college one goes to?

I believe there is great wisdom in the earlier reply about the value of a "good fit" between student and school.
(You can't follow your own path if you are on the road to another person's city)
by J295
Fri Sep 23, 2016 5:51 am
Forum: Personal Consumer Issues
Topic: What SUV for Sister in law?
Replies: 15
Views: 1206

Re: What SUV for Sister in law?

Toyota and Honda are almost always good choices. Our daughter has a newer CRV and loves it. If you go with the CRV used go certified, and do some research on the model year because I recall some of the models had an issue with the transmission (which got fixed, but you'll want to take a look .... ou...
by J295
Fri Sep 23, 2016 5:47 am
Forum: Personal Consumer Issues
Topic: HSBC Bank- Easy (???) $350 bonus
Replies: 25
Views: 2984

Re: HSBC Bank- Easy $350 bonus

Thanks for posting.

I understand the hassle factor, but I'm sitting here thinking I could get the two new titleist wedges I took out on demo yesterday and have a meal out for "free". :--)
by J295
Fri Sep 23, 2016 5:41 am
Forum: Personal Finance (Not Investing)
Topic: Buy a new house with cash? Please advise
Replies: 26
Views: 3181

Re: Buy a new house with cash? Please advise

@leemiller makes a good point IF you want to be in the landlord business. Work through the tax basis you'd have available for depreciation if you used your current home vs. a new property. We've declined to be in the real estate landlord business for a variety of reasons, although many family member...
by J295
Thu Sep 22, 2016 7:30 am
Forum: Investing - Help with Personal Investments
Topic: Strategies to reduce illogical worries?
Replies: 36
Views: 2504

Re: Strategies to reduce illogical worries?

To OP: And I ask this seriously and with utmost goodwill .... are you naturally inclined to be anxious/worry on a lot of matters? Your post admits that this is an "illogical" worry. If anxiety/worry/stress is something you'd like to address consider digging into some research/reading and c...
by J295
Wed Sep 21, 2016 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: "Women and Investing" class offered by Employer
Replies: 84
Views: 5805

Re: "Women and Investing" class offered by Employer

If the employer is a solid employee oriented organization then this is probably a worthwhile hour for some of the female employees. If not, then there is probably a greater chance that it will not be as beneficial. I believe there are valid reasons for such a class, as demonstrated in some of the pr...
by J295
Thu Sep 15, 2016 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: More advice for BigLaw Survivor, please?
Replies: 119
Views: 12416

Re: More advice for BigLaw Survivor, please?

Appreciate the update
by J295
Thu Sep 15, 2016 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Insane CPA bill, please advise
Replies: 23
Views: 4392

Re: Insane CPA bill, please advise

Reading the post and the majority of the replies it reads to me as if OP and many responding are looking to find a problem where there may not be one, and at this point OP has only presented incomplete facts (we don't know the CPA side of the story). My process would be a polite phone call or email ...
by J295
Thu Sep 15, 2016 10:36 am
Forum: Personal Finance (Not Investing)
Topic: "To raise the car insurance deductible or not to raise it, that is the question" William Shakespeare!
Replies: 14
Views: 982

Re: "To raise the car insurance deductible or not to raise it, that is the question" William Shakespeare!

Here's what we do ... as a point of reference we are financially independent .... we have a $500 deductible on our two vehicles, a 2003 Honda and a 2016 Lexus ... both have collision coverage ... we prefer to save on the premium and not concern ourselves with the higher deductible in the event of an...
by J295
Fri Sep 09, 2016 5:47 pm
Forum: Personal Consumer Issues
Topic: Slicer for Sweet Potato Fries
Replies: 12
Views: 1103

Slicer for Sweet Potato Fries

Any recommendations? We want one that works well, because the sweet potato is harder to slice than a regular potato.
by J295
Mon Aug 29, 2016 7:59 am
Forum: Personal Consumer Issues
Topic: Fit bit
Replies: 35
Views: 2182

Fit bit

82 year old mom would like fit bit or like device. Mostly to track steps. She is tech savvy. Recommendations? Thx.
by J295
Fri Aug 26, 2016 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Fear and Trembling (Aug. 31st is my last day at work)
Replies: 77
Views: 9309

Re: Fear and Trembling (Aug. 31st is my last day at work)

Appreciate the honest post. I suspect your worry made you I fine lawyer. It may not be a welcome companion on this next part of your journey. The second half of life has the potential to be very different from the first half, and very rich. I hope the depth and texture of your life expands in your t...
by J295
Tue Aug 23, 2016 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Can I semi-retire (or retire?)
Replies: 78
Views: 6693

Re: Will I be able to tell my wife I can semi-retire (maybe retire!)?

sickman wrote: Looks like I was fortunate to post this question here before even bringing it up to the wife - which I won't be doing for years now, so no worries on that! OP .... you have posters (myself included) who have no real perspective on your life goals and marriage relationship; and in lig...
by J295
Thu Aug 18, 2016 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Rollover IRA asset protection?
Replies: 11
Views: 640

Re: Rollover IRA asset protection?

Edit.
by J295
Sun Aug 14, 2016 7:03 pm
Forum: Personal Consumer Issues
Topic: Do you wash your car yourself, or have it done?
Replies: 96
Views: 5850

Re: Do you wash your car yourself, or have it done?

Wash at least weekly. Use power washer and supplies from Griot's Garage. Our 2016 SUV cost more than our first house and I take good care of it.
by J295
Sat Aug 13, 2016 9:22 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads: Asset-Allocation and Rebalancing
Replies: 74
Views: 5919

Re: Bogleheads: Asset-Allocation and Rebalancing

We review allocations quarterly. Respect Taylor immensely and appreciate his reminder but under our IPS market events don't trigger our review.
by J295
Wed Aug 03, 2016 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: House Hunting
Replies: 16
Views: 2089

Re: House Hunting

If I read this correctly, you have children .... this home is where you all will build your lives and memories ..... something to consider ....
by J295
Mon Aug 01, 2016 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting equally when children are in very different tax brackets?
Replies: 19
Views: 2568

Re: Gifting equally when children are in very different tax brackets?

Gross (OP could be gifting appreciated stock/other appreciated assets, which have a carryover basis).
by J295
Mon Aug 01, 2016 7:28 pm
Forum: Investing - Theory, News & General
Topic: Bucket Portfolios - when to create buckets and how much cash
Replies: 26
Views: 2699

Re: Bucket Portfolios - when to create buckets and how much cash

For a point of reference .... Age 57 and mostly retired. We have 10% cash allocation (Amx bank, CD, floating rate fund, short term bonds, I bonds, etc.). There is another 3% in a non-interest promissory note that makes payments to me from a business sale. Good luck.
by J295
Mon Aug 01, 2016 7:23 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1080
Views: 179081

Re: What are you up YTD? [Year To Date]

Perhaps I'm an outlier on this board, but we don't keep track of YTD investment returns. We have our IPS and review allocations quarterly (adjusting when bands are hit), and our spreadsheet shows year to year totals for the various allocation categories so we know which direction we are heading. Age...
by J295
Sun Jul 31, 2016 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Amount of Life Insurance: no spouse, just baby
Replies: 17
Views: 1718

Re: Amount of Life Insurance: no spouse, just baby

I'm a big believer in term life for this situation, with a guaranteed premium for at least 20 years. I'd buy a "substantial amount."
by J295
Sat Jul 30, 2016 10:55 pm
Forum: Personal Consumer Issues
Topic: New Tipping Practice?
Replies: 130
Views: 6594

Re: New Tipping Practice?

I am not bothered by the tablets or jars etc. It's just the way things are, so why get riled up?

We are lucky to have $$ and are glad to share the very modest amount involved in tipping.
by J295
Tue Jul 26, 2016 7:40 am
Forum: Investing - Theory, News & General
Topic: Declining or Rising equity allocation in retirement?
Replies: 110
Views: 7392

Re: Declining or Rising equity allocation in retirement?

Of course, many of us here are Taylor Larimore fans. Me too; his wisdom reminds me of my awesome dad. We have what we think is a solid IPS and wise behaviors in place, but who knows what tomorrow will bring. We'll adjust as necessary. Phil. 4:12.
by J295
Tue Jul 26, 2016 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 15410

Re: Early retirees, how much did you leave on the table?

Hi TimeLord. Thought I'd share something related to your comments about your wife having no plans to retire soon and how that impacts your thought process. We've been married 34 years and love being married (3 adult kids and a dog). First, outstanding to consider her feelings and plans as you operat...
by J295
Mon Jul 25, 2016 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 15410

Re: Early retirees, how much did you leave on the table?

Late to this thread ... I've been in Canada fishing with our son and my dad (one of the many kind of things you can do on a relaxed schedule) ..... retired (mostly) at age 53 a few years ago .... never thought about what was "left on the table" as I was excited about transitioning to new a...
by J295
Thu Jul 21, 2016 11:50 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 162
Views: 11392

Re: What kind of car do Bogleheads like to drive?

We drove 2003 Honda Accord and 2004 Infiniti for the past 10+ years. Each had over 150,000 miles.
Sold the Inifiniti and bought a 2016 Lexus GX460. A fantastic SUV.
by J295
Thu Jul 21, 2016 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Do any of you professionals have a litigation emergency fund?
Replies: 30
Views: 2500

Re: Do any of you professionals have a litigation emergency fund?

This thread seems to have hit a speed bump. To answer OP's question: when I was full time I did not have a specific litigation emergency fund, nor did the firm of which I was one of the owners. If I had been a solo professional I also would not have set up a litigation emergency fund. I would, howev...
by J295
Thu Jul 21, 2016 11:27 pm
Forum: Personal Consumer Issues
Topic: Higher deductible on Homeowner policy?
Replies: 11
Views: 756

Re: Higher deductible on Homeowner policy?

We have the higher deductible as it makes sense for us.
by J295
Mon Jul 18, 2016 9:11 pm
Forum: Personal Consumer Issues
Topic: Garage Door Wireless Keypad
Replies: 3
Views: 755

Garage Door Wireless Keypad

Can someone recommend one? The one I reviewed from Home Depot got terrible reviews. Thanks.
by J295
Mon Jul 18, 2016 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, at what age did you "retire"? Is it working out?
Replies: 63
Views: 9673

Re: Early retirees, at what age did you "retire"? Is it working out?

Went to very part time 3.5 years ago at age 53. All kids are adults and independent. Spouse does not work outside our home. Love it! Not for everyone, but a great fit for our family. How did we do it? Good fortune..... Made decent money in my profession. Thrifty. Two of three kids got full scholarsh...
by J295
Mon Jul 18, 2016 4:35 pm
Forum: Personal Consumer Issues
Topic: Creating simple website
Replies: 11
Views: 1164

Re: Creating simple website

Thanks for the replies.
by J295
Mon Jul 18, 2016 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Early retiree: 3% SWR or 4% SWR for planning purposes?
Replies: 61
Views: 5166

Re: Early retiree: 3% SWR or 4% SWR for planning purposes?

Regarding healthcare, OP may likely qualify for premium tax credits under current law. Sure, the law can change and no doubt will in various ways, but OP is adaptable and will find a way to make healthcare and other things workout. I transitioned to very part time at 53 and we have been under ACA si...
by J295
Mon Jul 18, 2016 1:29 pm
Forum: Personal Consumer Issues
Topic: Creating simple website
Replies: 11
Views: 1164

Creating simple website

Would appreciate suggestions on tools to use to create a simple website. The website will contain the following and one aspect will need to be updated daily: An image of the island golf green near where we live on the golf course (stays same each day) The yardage from the various tee boxes that day ...
by J295
Mon Jul 18, 2016 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Feeling discouraged
Replies: 60
Views: 6115

Re: Feeling discouraged

Some background to give OP a filter on my perspectives -- We've been investing since 1979 and had our share of good fortune and not so good fortune. At times we reacted to both greed and fear (and lost $$), and so over time we landed on an IPS which is simple and does not permit a change to the IPS ...
by J295
Sun Jul 17, 2016 8:44 am
Forum: Personal Consumer Issues
Topic: Who do you not tip, and why?
Replies: 57
Views: 4835

Re: Who do you not tip, and why?

I tip quite a few people. We are fortunate to have $$ and I'm happy to share the relatively nominal amounts that are involved in tipping. Moreover, it plays a part in helping to minimize attachment to $$.
by J295
Sat Jul 16, 2016 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Traits of Happiest Retirees
Replies: 82
Views: 12262

Re: Traits of Happiest Retirees

Some say .....Happiness is wanting what you have, not having what you want.
by J295
Sat Jul 16, 2016 7:19 am
Forum: Personal Finance (Not Investing)
Topic: I created dependency, now what?
Replies: 50
Views: 5594

Re: I created dependency, now what?

lagflag ... I'm late to this and see you have decided to continue .... i perceive you did this for input and not for accolades .... but, le me say to you well done! .... and, thanks for the inspiration ....
by J295
Mon Jul 11, 2016 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: wait for the drop?
Replies: 75
Views: 6921

Re: wait for the drop?

Create a very well thought out IPS and then follow it.
by J295
Fri Jul 08, 2016 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA and RMD
Replies: 10
Views: 1488

Re: Inherited IRA and RMD

Posting to help you get started .... I don't know about the impact of including the estate -- that could be quite material .... i do understand that IF it was two siblings only and no estate, that both siblings take out based on the life expectancy tables for the OLDEST sibling ... so in any case yo...
by J295
Fri Jul 08, 2016 5:32 pm
Forum: Investing - Theory, News & General
Topic: Fidelity customers: Have you experienced pressure to buy active funds?
Replies: 76
Views: 5115

Re: Fidelity customers: Have you experienced pressure to buy active funds?

Been with Fido for over 30 years. We have accounts elsewhere also, but the amount at Fido would be considered material. All sorts of accounts at Fido (individual, joint, solo 401k, rollover IRA, DFA, etc.) Have never had any issues with them, and although I have a rep I've only dealt with him twice ...
by J295
Sun Jul 03, 2016 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Happiness
Replies: 94
Views: 11386

Re: Money vs. Happiness

you have this framed as either/or it could be both/and many people can and do have money and happiness let's assume you are smart and hard working .... let's assume it's a big world with tons of opportunities and lots of ways to make money .... isn't it fair to conclude that Alaska isn't the only pl...
by J295
Sun Jul 03, 2016 9:32 am
Forum: Investing - Theory, News & General
Topic: Fixed 60/40 AA in retirement
Replies: 105
Views: 9513

Re: Fixed 60/40 AA in retirement

After hearing John Bogle talk about including social security as part of your fixed income, I have come to the conclusion that 60/40 or possibly 50/50 AA stocks/bonds is as conservative as I will get in retirement. OP ... are you including SS as being part of your fixed, and then landing on 60/40? ...

Go to advanced search