Search found 687 matches

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: 6669

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: Investing - Help with Personal Investments
Topic: Early retirees, how much did you leave on the table?
Replies: 180
Views: 11403

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: Investing - Help with Personal Investments
Topic: Early retirees, how much did you leave on the table?
Replies: 180
Views: 11403

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: 123
Views: 8096

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: 2370

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: 706

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: 713

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: 57
Views: 7866

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: 1091

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: 4801

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: 1091

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: 5862

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: 4583

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: 11810

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: 5366

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: 6522

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: 1422

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: 59
Views: 3207

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: 10929

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: 9037

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? ...
by J295
Sun Jul 03, 2016 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% CC or Citi double cash card?
Replies: 44
Views: 4892

Re: Fidelity 2% CC or Citi double cash card?

Just received the new Fido card yesterday.
We use Fido as the convenience of just having the 2% dumped into one of our accounts at Fido.
by J295
Sat Jul 02, 2016 11:41 am
Forum: Personal Consumer Issues
Topic: Cracked iPhone 6 screen
Replies: 12
Views: 985

Cracked iPhone 6 screen

Ooops ... daughter dropped her phone and this time the screen cracked ..... anyone want to suggest the most economical option for screen repair? Thanks.
by J295
Fri Jul 01, 2016 12:47 pm
Forum: Investing - Theory, News & General
Topic: "Age in bonds" or "110 minus age = equities"?
Replies: 28
Views: 3001

Re: "Age in bonds" or "110 minus age = equities"?

Mostly retired 4 years ago and are now age 57. We use 110 - Age = "Equities" (which for us "equities" means index funds and some "alternatives" ). So, 110 - 57 = 53% "equities" (and of that 49% are index funds and 4% "alternatives"). 47% is combinati...
by J295
Sun Jun 26, 2016 10:19 am
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 11488

Re: What did you learn from the post-Brexit bloodbath?

SPY closed 6-17-16 at 206.6 SPY closed 6-24-16 at 203.1 Percentage decline = 1.7% Friday -- a single day? .... Bloodbath? Who knows about Monday, or the day after, or the next 1,000 after that .... by Levett » Sat Jun 25, 2016 1:52 pm ....Meanwhile I live and invest in a sea of "uncertainty.&qu...
by J295
Sat Jun 25, 2016 7:08 am
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 118
Views: 10471

Re: International stocks in free fall

No action. Our quarterly allocation review is 6-30-16. Honestly, didn't know there was anything going on market wise until Friday morning someone at golf told me on #1 fairway that the market futures were down 500 .... lost money on paper, but did start the round 2 under through 4 holes before Mr. B...
by J295
Wed Jun 22, 2016 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Simplifying paying bills
Replies: 39
Views: 3068

Simplifying paying bills

We are considering simplifying our bill paying by paying most of our bills annually. Any suggestions? We are thinking that in January we would pay our estimated yearly costs for our utilities and any other monthly type items and so the monthly statements will show credit balances as the year progres...
by J295
Tue Jun 07, 2016 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming partner and vetting company
Replies: 8
Views: 1195

Re: Becoming partner and vetting company

Talk to a partner there you trust and ask what he\she recommends for your due diligence. And have a conversation with either the practice accountant or your accountant about the financials. Make good use of these resources rather than trying to handle all yourself. Good luck. You may want you engage...
by J295
Sat Jun 04, 2016 1:49 pm
Forum: Personal Consumer Issues
Topic: Best video editing software?
Replies: 14
Views: 972

Re: Best video editing software?

OP here ..... many thanks to posters.
by J295
Fri Jun 03, 2016 7:19 pm
Forum: Personal Consumer Issues
Topic: Best video editing software?
Replies: 14
Views: 972

Re: Best video editing software?

OP here ..... just looking for or something user friendly that produces a decent video that the the family can enjoy and have a few laughs. It will be our version of the Pharrell Williams Happy video.
by J295
Fri Jun 03, 2016 5:07 pm
Forum: Personal Consumer Issues
Topic: Best video editing software?
Replies: 14
Views: 972

Best video editing software?

Making a family video dubbing in music and videos from smart phones.
Can use either Dell of Apple laptops.
What video editing software is recommended.
Thx.
by J295
Tue May 31, 2016 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: HSA for early retirement income?
Replies: 11
Views: 1152

Re: HSA for early retirement income?

Zach ... you are correct .... we keep a spreadsheet and stick the receipts for payments into a folder .... very simple .... account continues to grow tax free and someday we or our heirs will take out the funds (haven't researched to know the tax consequences for the heirs ....) ... if we take out t...
by J295
Tue May 31, 2016 12:01 pm
Forum: Personal Consumer Issues
Topic: New cars.....when do you first detail them?
Replies: 48
Views: 3627

Re: New cars.....when do you first detail them?

Not sure what you mean by "detailing," but maybe this will help. Until I few months ago I was a hardly ever wash the car guy .... then we purchased a Lexus GX460 (Boglehead paid cash).... I'm mostly retired so I have time and interest in taking extra good care of it ..... and with taxes an...
by J295
Mon May 30, 2016 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: On the verge of pulling the trigger on early retirement but...
Replies: 16
Views: 3444

Re: On the verge of pulling the trigger on early retirement but...

I am increasingly of the opinion that no matter what the numbers say, I am always going to find a reason why it does not make financial sense to leave my current position. My heart tells me to go, and my wallet says, "If you can just hang in there a little longer..." It's easy to fall int...
by J295
Fri May 27, 2016 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: My former attorney has become an Edward Jones rep
Replies: 54
Views: 6033

Re: My former attorney has become an Edward Jones rep

Is there an actionable item here? It sounds like you just wanted to take a swipe at EJ and your former counsel.
by J295
Fri May 27, 2016 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Forced use of automatic ACH withdrawals?
Replies: 18
Views: 1657

Re: Forced use of automatic ACH withdrawals?

I'd go along to get along. Why not help make life easier for this small business taking care of your most treasured asset? If you want a backstop set up a separate account for the withdrawals, fund it annually so you don't have to think about it, and enjoy.
by J295
Fri May 27, 2016 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Buying home next door without agent
Replies: 15
Views: 1594

Re: Buying home next door without agent

OP -- where are you located? Generally, in most markets I'm aware of (we have family across the country) and for most "starter home" price ranges it is a seller's market ..... without more information I'd hazard a guess that unless there is some serious distress or lack of knowledge with t...
by J295
Tue May 24, 2016 7:46 am
Forum: Personal Consumer Issues
Topic: Painting House Interior - How easy to do it yourself?
Replies: 101
Views: 6053

Re: Painting House Interior - How easy to do it yourself?

I'll put a slight twist on the "it's easy" answers .... I really won't dispute that it is very doable for someone with a keen attention to detail and willingness to learn the proper way to professionally paint a room/home ..... but, for a 2600 sf home it will be a fair amount of work ........
by J295
Mon May 23, 2016 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for a soon-to-be MLB draftee
Replies: 48
Views: 5997

Re: Advice for a soon-to-be MLB draftee

Here is the model I've seen .... Disclaimer: I'm a lawyer and when speaking about lawyers I'm only aware of what our firm does in representing professional athletes as legal counsel. I do not personally get involved with this work and it's not a significant portion of our focus as for us these are s...
by J295
Mon May 23, 2016 6:35 pm
Forum: Personal Consumer Issues
Topic: Running in new pair of shoes
Replies: 41
Views: 2466

Re: Running in new pair of shoes

Shoes -- Run in them before the race. Socks -- Try a couple of different types and see what is most comfortable for you. In the past year I (age 56) got some rather expensive highly rated socks ..... one day I was out of town and needed a pair of socks so I purchased some basic UA socks at a big box...
by J295
Wed May 18, 2016 7:00 am
Forum: Personal Finance (Not Investing)
Topic: My dilemma ... 1099 or W2. Client assures me no difference.
Replies: 29
Views: 1998

Re: My dilemma ... 1099 or W2. Client assures me no difference.

Do I need to register as a business "Sole proprietorship" or no need? Not required for tax purposes ..... but, there may be liability protection or other considerations that might make an entity worth considering. If you are an independent contractor do you have adequate insurance in plac...
by J295
Wed May 18, 2016 6:54 am
Forum: Personal Finance (Not Investing)
Topic: My dilemma ... 1099 or W2. Client assures me no difference.
Replies: 29
Views: 1998

Re: My dilemma ... 1099 or W2. Client assures me no difference.

While the dialogue about the financial differences between the 1099 and W2 are interesting, they are irrelevant to whether you are or are not an independent contractor or employee as that is a fact based determination.
by J295
Sun May 15, 2016 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Protect Assets by Transferring to "Low-Risk" Spouse?
Replies: 11
Views: 1199

Re: Protect Assets by Transferring to "Low-Risk" Spouse?

Good question and some thoughts for your consideration ..... Which is more likely ...... a. A claim against your former firm where there is a judgment that is then collected (despite resistance to collection) which exceeds the insurance funds and the funds of ALL the partners (I'm assuming that the ...
by J295
Tue May 10, 2016 11:04 pm
Forum: Personal Consumer Issues
Topic: House 'For Sale By Owner' - Can One Do It Alone?
Replies: 26
Views: 3696

Re: House 'For Sale By Owner' - Can One Do It Alone?

This isn't the same selling a car and though it can be done it takes a strong skill set in residential real estate. We've done it on our three homes but I'm a lawyer so know the process. Does your state have required disclosures? Is the lead based paint disclosure applicable? What will your contact ...
by J295
Tue May 10, 2016 10:41 pm
Forum: Personal Consumer Issues
Topic: Gifted math program for 1st grade
Replies: 66
Views: 6827

Re: Gifted math program for 1st grade

Seems like it would be worth a try. If it doesn't play out as you'd like then you'll adjust. Our school didn't have gifted programs. We knew before kindergarten that one of our children was particularly strong with things that standardized tests and schools score. Even without gifted programs he had...
by J295
Tue May 10, 2016 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming trustee of mother's trust
Replies: 9
Views: 1051

Re: Becoming trustee of mother's trust

Edit. Didn't notice that the bank wasn't being cooperative..... that's frustrating as changing the account title to her would have been an easy fix. If the account can be accessed online I'd consider going online with mom (take tablet to hospital) and having her transfer all of the funds into a new ...
by J295
Tue May 03, 2016 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Potential Employer was excited to hire me! Then silence... What did I do?
Replies: 60
Views: 6618

Re: Potential Employer was excited to hire me! Then silence... What did I do?

Really impossible to know why and I wouldn't hazards a guess our create your own fiction on why this transpired.

Google the story about the princeton professor posting his cv of failures. Might give some perspectives.
by J295
Fri Apr 29, 2016 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Question
Replies: 15
Views: 1407

Re: Chase Sapphire Question

We have insurance through the exchange and pay our monthly BCBS premium with a credit card, and there is no additional fee. So, at $1,100 per monthly premium capturing the bonus on new cards is very convenient. The gravy for us is that we can manage our MAGI in most years and qualify for a premium t...

Go to advanced search