Search found 762 matches

by J295
Sun Dec 04, 2016 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: FYI .... I Bond Variable Return Now ....
Replies: 0
Views: 71

FYI .... I Bond Variable Return Now ....

2.76% for the November 1, 2016, through April 30, 2017, time period. Fixed rate at 0%.

For those not familiar with I bonds and their role in certain portfolios the wiki (as usual) has a good description.
by J295
Sun Dec 04, 2016 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Not happy with my realtor
Replies: 39
Views: 3063

Re: Not happy with my realtor

momvesting, that's a really interesting idea. Maybe there's a realtor with a lot of experience selling in that particular area. Zillow shows several recent sales but I don't see any way to find out who the listing agent was. Is there a way to get that info? Go to the houses that recently sold, intr...
by J295
Sun Dec 04, 2016 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401k tax filing
Replies: 4
Views: 199

Re: Solo 401k tax filing

As for your income, I would NOT report under the new EIN but instead continue to report on your 1040 Schedule C.
by J295
Sat Dec 03, 2016 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Nearing early retirement, how to adjust planned withdrawal rate if market corrects
Replies: 30
Views: 1743

Re: Nearing early retirement, how to adjust planned withdrawal rate if market corrects

Makes sense. I hope to be in this situation soon. I am currently in the "detail work to determine we could transition" phase. I get it ... we (well, me) spent many years tracking expenses, determining allocations, running spreadsheets and monte carlos, reading books and blogs, etc. etc. ....
by J295
Sat Dec 03, 2016 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Not happy with my realtor
Replies: 39
Views: 3063

Re: Not happy with my realtor

Not sure what kind of advice/info I'm asking for here. Is there a good strategy for dealing with realtors? They tend to rub me the wrong way in general. OP .... You have posted previously about your experiences with this realtor (your dream house lost post). If you want to transition away from this...
by J295
Sat Dec 03, 2016 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Nearing early retirement, how to adjust planned withdrawal rate if market corrects
Replies: 30
Views: 1743

Re: Nearing early retirement, how to adjust planned withdrawal rate if market corrects

We (mostly) retired four years ago at age 53. We follow this process as posted by Taylor Larimore some years ago .... (also Philippians 4:12 is part of our simple IPS). I don't want to sound overly simplistic (we spent many years preparing for our transition and at present have a very comfortable fi...
by J295
Sat Dec 03, 2016 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Haste Makes Waste Lump Sum Investing
Replies: 14
Views: 1675

Re: Haste Makes Waste Lump Sum Investing

OP ..

What is the investment allocation required by your IPS?

Before you received the lump sum were you invested consistent with that allocation?
by J295
Fri Dec 02, 2016 11:01 am
Forum: Investing - Help with Personal Investments
Topic: "Yield surge: Remember the real role of bonds"
Replies: 3
Views: 707

Re: "Yield surge: Remember the real role of bonds"

Worth the read for those who are uneasy or really never knew why they held fixed income (and perhaps didn't experience or can't recall 2007-09 or other volatile times in the past). Appreciate the link Lev.
by J295
Fri Dec 02, 2016 6:58 am
Forum: Personal Finance (Not Investing)
Topic: ACA Annual "Free" Physical
Replies: 6
Views: 1149

ACA Annual "Free" Physical

For my "free physical" BCBS is not paying for routine lab work. Not a huge amount, but I'm wondering if this is supposed to be "free" under the ACA (we have an exchange individual policy). Thanks! Edit: Sorry group .... I should have Googled first ... just did and found my answer...
by J295
Fri Dec 02, 2016 6:45 am
Forum: Investing - Help with Personal Investments
Topic: Just bought a lot of bonds today per my IPS--and felt very uneasy doing it
Replies: 23
Views: 2747

Re: Just bought a lot of bonds today per my IPS--and felt very uneasy doing it

There's a word for sometimes feeling uneasy in situations like this: "Normal" This is why many of us have plans. (As an aside, there are others, like me (now 57 and mostly retired), who did just fine without a concrete IPS when markets were smooth, but sure enough at some point either got ...
by J295
Fri Dec 02, 2016 6:25 am
Forum: Personal Consumer Issues
Topic: Lexus (and Toyota) Owners --- Routine Service ??
Replies: 29
Views: 2506

Lexus (and Toyota) Owners --- Routine Service ??

We have a 2016 GX 460, purchased new and now with 15k miles. Lexus recommends service every 5,000 miles. Each 5,000 miles is a tire rotation and then typically just checking fluids, replacing fob battery, etc. Typically nothing major scheduled. Oil is changed every 10,000 miles. So, do you take the ...
by J295
Fri Nov 25, 2016 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Rotate out of bonds?
Replies: 18
Views: 3030

Re: Rotate out of bonds?

I am a huge believer in having an investment policy statement, which (in my case and I'm guessing many other cases) means these questions never come up. It takes some hard work, but is well worth it. Mine took two years of "hard work" to come up with a five sentence IPS. We have bonds, and...
by J295
Wed Nov 23, 2016 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit card for a large one-time expense?
Replies: 50
Views: 4419

Re: Which Credit card for a large one-time expense?

If you have a business could get the southwest business card and potentially get a free companion pass for a year .... Note this used to exist and I assume it still does but haven't checked lately.
by J295
Wed Nov 23, 2016 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from FTE to independent small business: how to save for retirement
Replies: 8
Views: 397

Re: Moving from FTE to independent small business: how to save for retirement

Take a look at Fidelity solo 401k and the calculator on that site.
by J295
Wed Nov 23, 2016 5:38 pm
Forum: Personal Consumer Issues
Topic: Living near a Quarry
Replies: 26
Views: 2834

Re: Living near a Quarry

Fred Flintstone worked at a quarry and seemed to tolerate it well. Happy Thanksgiving. :happy
by J295
Mon Nov 21, 2016 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Synchrony vs Ally
Replies: 37
Views: 3204

Re: Synchrony vs Ally

FWIW .... we have American Express Bank savings accounts. Slightly lower rate but easy to use.
by J295
Sun Nov 20, 2016 8:03 pm
Forum: Personal Consumer Issues
Topic: Recommended YouTube Channels?
Replies: 12
Views: 1897

Re: Recommended YouTube Channels?

FYI. Don't have to have a Roku if you have a smart tv. Just cast from your mobile device to your tv.
by J295
Sat Nov 19, 2016 5:31 pm
Forum: Personal Consumer Issues
Topic: Home remodel - all at once or in stages?
Replies: 16
Views: 1718

Re: Home remodel - all at once or in stages?

All at once. That way your electrician, plumber, painter, etc. isn't starting and stopping as you start and stop portions of the project (and remember, in most places getting a sub to project on a timely basis can be a challenge, so once they are on your job you want them to dig in and do as much as...
by J295
Sat Nov 19, 2016 4:11 pm
Forum: Personal Consumer Issues
Topic: Finding a good architect & how to design a house with a budget in mind
Replies: 8
Views: 990

Re: Finding a good architect & how to design a house with a budget in mind

If you want to PM me I can give you the name of our architect. It is someone I've known for 30 years and he is immensely talented. He was one of the founding owners of a highly successful firm then moved from our midwest city to Santa Fe and retired early (designed a new home and had a general build...
by J295
Sat Nov 19, 2016 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Cannot get myself to spend my savings
Replies: 75
Views: 8009

Re: Cannot get myself to spend my savings

Although this is a good problem to have, we do want to get rid of these frugal habits & be lavish in the last quarter of our lives. The same frugality which helped us earlier in life has become sort of a mental behavior pattern coming in the way of enjoying our savings. Some random thoughts ......
by J295
Fri Nov 18, 2016 9:49 am
Forum: Investing - Theory, News & General
Topic: Muni bonds are getting killed. Are you bailing out?
Replies: 75
Views: 9796

Re: Muni bonds are getting killed. Are you bailing out?

"getting killed" ... "bailing out" .... Respectfully, I felt more like I was "getting killed" in 2008/2009 with the wild downward movements during those times My IPS doesn't call for reacting to market gyrations. We will review balances at the end of the quarter and the...
by J295
Fri Nov 18, 2016 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Go part time number
Replies: 63
Views: 6004

Re: Go part time number

Went from full time partner to part time of counsel in law firm at age 53 four years ago. Limit my work to a single practice area and almost no time sensitive issues for me as there are two full time lawyers and a support person available for each project I'm on. Probably fairly rare to be in a busi...
by J295
Fri Nov 18, 2016 9:00 am
Forum: Personal Consumer Issues
Topic: Honda Cars
Replies: 96
Views: 7863

Re: Honda Cars

Pretty close to a can't miss choice .....
by J295
Thu Nov 17, 2016 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Is life insurance and disability insurance a scam?
Replies: 16
Views: 1847

Re: Is life insurance and disability insurance a scam?

Not scams. As indicated above, many (myself included) recommend term life, and disability coverage. In our case, I paid disability premiums for over 30 years and never received any payments. Good for me, I was healthy enough to work and covered if I became disabled. My neighbor is a quadriplegic and...
by J295
Tue Nov 15, 2016 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Unemployed spouse - what to do?
Replies: 66
Views: 7666

Re: Unemployed spouse - what to do?

Consider some life coaching/counseling. I will note that some people have reluctance to see a therapist, which is too bad. For my part, one of my best friends is a therapist and over the years he has seen many of my clients (from when I was a full time lawyer). The most fascinating thing to me is th...
by J295
Tue Nov 15, 2016 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Early retire considering Self-Insurance for healthcare
Replies: 83
Views: 5899

Re: Early retire considering Self-Insurance for healthcare

We do not self insure health insurance.
by J295
Sun Nov 13, 2016 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Move old 401k into solo 401k?
Replies: 5
Views: 373

Re: Move old 401k into solo 401k?

To dsinvestor and livesoft .... Thanks for the good and prompt info. I will let the board know what transpires.
by J295
Sun Nov 13, 2016 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Move old 401k into solo 401k?
Replies: 5
Views: 373

Move old 401k into solo 401k?

I will call fidelity where I have my solo 401k to see if my solo plan can take transfer of my old 401k existing at former employer. In the meantime... Has anyone accomplished this and if so where? I do not want to rollover the old plan into an IRA. Thanks.
by J295
Sun Nov 13, 2016 5:29 pm
Forum: Personal Consumer Issues
Topic: Donation to charity of appreciated securities held in Vanguard brokerage account
Replies: 8
Views: 686

Re: Donation to charity of appreciated securities held in Vanguard brokerage account

As indicated you can easily set up a donor advised fund, at least it was simple for us at fidelity.

Alternatively depending on your gift amount and charity you might be able to ask the charity to handle the paperwork for you.
by J295
Sat Nov 12, 2016 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Retire early and sail off into the sunset?
Replies: 47
Views: 5871

Re: Retire early and sail off into the sunset?

OP..... Exciting time in your life. Dig in and enjoy.
by J295
Wed Nov 09, 2016 7:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3267
Views: 780602

Re: U.S. stocks in freefall

I've seen this movie before and I know how it turns out. I will be updating balances at the end of the quarter per our IPS. Nothing more for us to do allocation wise until then.
by J295
Fri Oct 28, 2016 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Estate Attorney Question
Replies: 32
Views: 3464

Re: Estate Attorney Question

We're meeting with an estate attorney next week to update our wills that were drawn up over 30 yrs. ago. Can someone point me to a resource that would list some potential questions that I might pose to the attorney before hiring them? Thanks. dm200 lists good questions. As a courtesy to the attorne...
by J295
Thu Oct 27, 2016 8:20 am
Forum: Personal Consumer Issues
Topic: Recommend a laptop and printer
Replies: 16
Views: 1204

Re: Recommend a laptop and printer

To tie this off ... this is Op and thanks again to all who helped. After some reflection my dad decided to get both a laptop and a new monitor to replace his one that failed. All his files are at his desk downstairs, so he made a good decision to keep the desktop down there; and I'm glad he's gettin...
by J295
Thu Oct 27, 2016 8:12 am
Forum: Personal Consumer Issues
Topic: Mr. Money Mustache donates $100k to charity, writes about effective altruism
Replies: 100
Views: 9970

Re: Mr. Money Mustache donates $100k to charity, writes about effective altruism

We were fortunate to be around parents and peers who donated time, talent, and treasure, so we have done the same over the years. On the time/talent side, I made a conscious choice when I went to mostly retired at age 53 to get out of the (clean and comfortable) board rooms and into the (quite excit...
by J295
Wed Oct 26, 2016 10:09 am
Forum: Personal Consumer Issues
Topic: Recommend a laptop and printer
Replies: 16
Views: 1204

Re: Recommend a laptop and printer

To everyone who responded ... Thanks!
by J295
Tue Oct 25, 2016 12:01 pm
Forum: Personal Consumer Issues
Topic: Recommend a laptop and printer
Replies: 16
Views: 1204

Recommend a laptop and printer

83 year old dad needs a new laptop and wireless printer. Wants a 17 inch screen. Uses computer principally for email, checking investments, etc.

Thinking we'd pick up something at Best Buy.

Recommendations please .....
by J295
Sun Oct 23, 2016 2:30 pm
Forum: Personal Consumer Issues
Topic: Car dealer "Internet Sales Department" - Useless?
Replies: 58
Views: 5637

Re: Car dealer "Internet Sales Department" - Useless?

The internet sales department was a good way to buy for us (new Lexus GX 460). We sent to 10 dealers with our specification on a Monday and told them we were going to purchase on Wednesday (we were willing to fly to a dealership to pick up what we wanted then drive it home). Told them we were reachi...
by J295
Sun Oct 23, 2016 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Attorney Hourly Rates?
Replies: 65
Views: 7532

Re: Attorney Hourly Rates?

DireWolf » Sun Oct 19, 2014 10:00 am Welcome to the most corrupt "profession". As numerous NYT articles have exposed... most attorneys bilk their customers by over-stating billable hours on top of charging exorbitant fees. The epitome of rent-seeking. Had to laugh when I saw this in respo...
by J295
Sat Oct 22, 2016 6:52 am
Forum: Personal Consumer Issues
Topic: Cheapskate for not flying business class?
Replies: 81
Views: 6058

Re: Cheapskate for not flying business class?

my friends/relatives accuse me for being a miser. Am I? I am quite serious with my forthcoming comment ..... unless your friends/relatives are suggesting that you are unkind or unloving, or have a suggestion that they genuinely believe will make your life more full and joyful, their perspectives on...
by J295
Sat Oct 22, 2016 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Home Insurance Quote and SS Number
Replies: 5
Views: 664

Re: Home Insurance Quote and SS Number

It seems like a legitimate request. For what it's worth, I never worry about giving out my SSN. It is in so many places and there are so many hacks that I don't bother to concern myself if a business I'm dealing with wants to have it (sometimes seems unnecessary and it just happens to be on their fo...
by J295
Fri Oct 21, 2016 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare costs and self funding
Replies: 96
Views: 6231

Re: Healthcare costs and self funding

OP ... risk adjusted self insuring is not something we are interested in doing. However, I appreciate the general frustration many experience around health insurance and costs. Having said that, I'm curious what you would do if your family indeed did experience a catastrophic event (could be a cance...
by J295
Mon Oct 10, 2016 11:28 am
Forum: Personal Consumer Issues
Topic: New car: wait for redesigned 2017 to arrive before purchasing 2016?
Replies: 15
Views: 1409

Re: New car: wait for redesigned 2017 to arrive before purchasing 2016?

If I'm springing for a new car and it is being redesigned, I buy the 2017 in your case unless I really like the 2016 look or really detest the 2017 look. I drive cars a long long time, and so when getting the new one (a rare event) I want the newest available with all the features, colors, etc. that...
by J295
Mon Oct 10, 2016 7:17 am
Forum: Personal Consumer Issues
Topic: Luxury Cars - Am I missing out on creature comforts by not driving one?
Replies: 92
Views: 7152

Re: Luxury Cars - Am I missing out on creature comforts by not driving one?

My experience for what it's worth .... Drove cars until they dropped, which means just a few Hondas and one Infiniti during our 34 years of marriage to date ... I'm 57 and mostly retired now and just this year bought a Lexus (GX460). It cost a bit more than our first home .... I love it and would do...
by J295
Sun Oct 09, 2016 7:26 pm
Forum: Personal Consumer Issues
Topic: Do we need annual furnace exam?
Replies: 26
Views: 2992

Re: Do we need annual furnace exam?

Thanks everyone.
We do have a heat pump with the electric furnace fyi
by J295
Sun Oct 09, 2016 12:22 pm
Forum: Personal Consumer Issues
Topic: Do we need annual furnace exam?
Replies: 26
Views: 2992

Do we need annual furnace exam?

It's an annual furnace exam recommended by BH?
Do you suggest DIY or hiring a professional?
Electric heat in Midwest.
Thanks.
by J295
Mon Oct 03, 2016 6:59 pm
Forum: Personal Consumer Issues
Topic: Advice on hiring an architect
Replies: 31
Views: 1975

Re: Advice on hiring an architect

Hi Amarone. If you want to PM me I can give you the name of our architect. It is someone I've known for 30 years and he is immensely talented. He owned his own highly successful firm then moved from our midwest city to Santa Fe and retired early. However, he has continued to do a limited number of p...
by J295
Thu Sep 29, 2016 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Retirement based on not on #, but healthcare?
Replies: 62
Views: 4375

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: 66
Views: 8367

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: 3624

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: 3437

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 ...

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