Search found 275 matches

by Marmot
Mon Jul 11, 2016 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Advisor Services Fee Charged Statements
Replies: 2
Views: 407

Re: Personal Advisor Services Fee Charged Statements

Go to My accounts>Balances and Holdings> Statements. It will be in your monthly or quarterly statement. I would call your advisor and have them walk you through the process. I don't think it will show up as a transaction, like selling a stock or bond. It is a behind the scenes transaction. Call the ...
by Marmot
Sun Oct 25, 2015 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Age when you started to max out your retirement accounts?
Replies: 111
Views: 12321

Re: Age when you started to max out your retirement accounts?

Around 31 or 32. Wife graduated law school then, we had lots of debts (school, car, mortgage, pool loan, owed my parents 10K) , but we made maxing out all retirement vehicles the main priority. I ER'ed at 58, wife at 55. Now we are just doing our thing....that is whatever we want, when we want.
by Marmot
Thu Oct 22, 2015 8:49 am
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 205
Views: 30747

Re: Any books really change your outlook on life?

The China Study - I saw it mentioned in an earlier post from 2010. A must read, you can't ignore the science.
by Marmot
Mon Oct 19, 2015 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Liable if I give 403b advice to colleagues?
Replies: 26
Views: 2757

Re: Liable if I give 403b advice to colleagues?

I love to talk to colleagues about investing but I am careful not to tell them what to do. I talk about what I know... - costs matter, just add up what 1% more a year costs you over 30 years and see for yourself - nobody is smarter than the market, so why would I pretend to know when to get in and ...
by Marmot
Sun Oct 18, 2015 9:49 pm
Forum: Investing - Theory, News & General
Topic: 2008 Market Crash, Did You See It As Opportunity?
Replies: 60
Views: 4712

Re: 2008 Market Crash, Did You See It As Opportunity?

I'm curious how did you handle the 2008 stock market crash? I know this must have been a real set back for those in early retirement having to sell more shares to receive their retirement income, but what about those of you who where relatively far away from retirement? I wasn't in the market at th...
by Marmot
Sun Oct 11, 2015 10:12 pm
Forum: Personal Consumer Issues
Topic: MEN, how do you carry your TABLET when Shopping?
Replies: 75
Views: 6685

Re: MEN, how do you carry your TABLET when Shopping?

stev wrote:When you are on the go and shopping in stores for example, how do you carry your TABLET?
A "man" purse?
Something on a shoulder strap?
On your Belt?
Thanks..

I don't....geez
by Marmot
Sat Oct 10, 2015 9:59 am
Forum: Personal Consumer Issues
Topic: Buy a color printer [inkjet] or black and white [laser] for light home use?
Replies: 106
Views: 6441

Re: Should I buy a color printer or black and white for home use?

We went with a Brother compact laser printer, black/white only. We don't do much, if any, color printing, and those small ink cartridges are 1) expensive and 2) short-lived. The laser printer has been great. 1500+ pages out of the original cartridge and we haven't even installed the "higher ca...
by Marmot
Wed Oct 07, 2015 12:34 pm
Forum: Personal Consumer Issues
Topic: Demand repairs or give a bye for honesty?
Replies: 62
Views: 4828

Let it go

Karma
by Marmot
Tue Sep 22, 2015 9:01 pm
Forum: Personal Consumer Issues
Topic: Considering moving to Oregon
Replies: 71
Views: 8497

Re: Considering moving to Oregon

I have to say that some Californians (me) driving through Oregon have been bothered by the very sloooooow 55 mph fast lane freeway speed that everyone seems to actually adhere to. Also, we can't pump our own gas because drivers are just too incompetent to do so. The attendant has to stick our credi...
by Marmot
Tue Sep 22, 2015 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Do lenders contact your employer?
Replies: 25
Views: 7009

Re: Do lenders contact your employer?

I do know that some of the forms they send your employer include the names of all people applying for the mortgage. So if you are applying with your spouse or someone else, that person's name may appear on the form your employer receives. I was in HR 18 years and never had a mortgage company (or an...
by Marmot
Wed Sep 09, 2015 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Vacation home. Can we afford it?
Replies: 41
Views: 5095

We have a vacation rental (actually two). They are across the street from each other. One thing to realize if you put money into a second home (unless you rent it to cover costs) it is "dead" money. Sure you can tell yourself that appreciation itself will be enough to make it worth while, ...
by Marmot
Mon Sep 07, 2015 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Am I eligible for overtime pay on salary?
Replies: 8
Views: 1025

Look at the signed copy of your job description

It should tell you if you are considered exempt. In extreme simple terms, an exempt employee works "what it takes to get the job done". That is very simplified, but if the exempt position requires 55 hours in a week, that is what it is. Exempt employees have a tremendous amount of flexibil...
by Marmot
Sat Sep 05, 2015 12:00 pm
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 143
Views: 11159

Nothing

I did nothing
by Marmot
Fri Sep 04, 2015 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can I sue my former employer?
Replies: 38
Views: 4569

Re: Can I sue my former employer?

This looks to be the Crux of your issue: "And I was careful until something happened that under normal circumstances would not have led to me being fired". I am not sure any of us can provide proper feedback given the information. It is the companies' perception against your own. You did n...
by Marmot
Fri Sep 04, 2015 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 372
Views: 58205

Amen to everything noted above

I particularly agree with the "needs vs. wants" statement, we use those very words all of the time. We are newly ER'ed (58 and 55). If you are in your "consumption" age, be cognizant. We weren't all of the time, so easy to see looking back now:)
by Marmot
Thu Sep 03, 2015 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Goal: Have $0 left when I die
Replies: 66
Views: 5237

Re: Goal: Have $0 left when I die

I don't have children. My beneficiaries are my wife and my brother's children. I have no desire to leave anything to anyone, other than my wife should I go first. But, I also have no desire to simply spend money so that none is left. What do you intend to spend all your money on? I intend to live m...
by Marmot
Thu Sep 03, 2015 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Goal: Have $0 left when I die
Replies: 66
Views: 5237

You could give all away today and achieve your goal early:)

Actually I haven't gotten that far. it will be interesting to see responses.
by Marmot
Tue Sep 01, 2015 11:28 am
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 7507

I would wait 30 days to see what happens

These days it goes up as well as down. Retired, not paying too much attention. I guess I am not too reactionary these days. Wish I had extra $ to put in though, great opportunity to buy in low....I would consider Rothing if that was a need.
by Marmot
Sun Aug 30, 2015 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Charatable trust after death
Replies: 68
Views: 2607

Re: Charatable trust after death

I recently visited an attorney regarding my idea to form a trust devoted to charity after my death. My thought is that a portfolio inside a trust lasting fifty years would grow and produce a greater affect than a one time lump sum donation after death. The attorney's words were sobering. He indicat...
by Marmot
Mon Aug 24, 2015 10:15 am
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 255
Views: 37585

Newly retired

Not doing a thing financially today. We are west coast so I was sleeping during the "big drop", oh well.
by Marmot
Wed Aug 19, 2015 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Vesting Service - Pension
Replies: 3
Views: 298

Re: Vesting Service - Pension

[quote="Marmot"]You should have a document available that is called something like " Defined Contribution Summary Benefit plan" that outlines the entire pension policy. It is usually on your HR website or there is probably one at the vanguard account. You were probably given one ...
by Marmot
Wed Aug 19, 2015 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Vesting Service - Pension
Replies: 3
Views: 298

Re: Vesting Service - Pension

Delete
by Marmot
Fri Aug 14, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: General Finance Strategies for Upper Middle Class
Replies: 33
Views: 5799

Re: General Finance Strategies for Upper Middle Class

The amount you have to save and invest is the difference in your after tax earnings and your expenditures. For many (most?) people, it is difficult to increase earnings. However, there are lots of opportunities to reduce expenditures. Accordingly, one category of strategies could be ways to get mor...
by Marmot
Mon Aug 10, 2015 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: For the bogleheads either retired or close to retiring
Replies: 29
Views: 4464

Re: For the bogleheads either retired or close to retiring

Eliminated all debt. Once you get there, then you can really wealth build. If you have to have a mortgage, make it reasonable. I Er'ed at 57. We were in debt like everyone else in our early 30's. Student debt, two car loans, mortgage, pool loan (stupid in retrospect), owed my parents 10K. We focused...
by Marmot
Mon Aug 10, 2015 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Coworkers Ignorant to Retirement Savings and Investing
Replies: 41
Views: 4377

Re: Coworkers Ignorant to Retirement Savings and Investing

We just had a company 401k meeting to discuss rolling over plans to a new provider. It was scary. It became apparent how little my co-workers know about investing. There were comments made along the lines of "our last provider didn't get us good returns" :shock: Is there anything I can do...
by Marmot
Tue Aug 04, 2015 11:58 am
Forum: Personal Consumer Issues
Topic: Hike the Pacific Crest Trail/JMT
Replies: 74
Views: 8628

Re: Hike the Pacific Crest Trail/JMT

Another poster's thread had me thinking about hiking the PCT so I thought I would post here as there seems to be some good hikers on this forum. I want to do something epic to celebrate my 55th birthday next year (August 2016). You know, one of those I'm glad to be alive adventures. I've always wan...
by Marmot
Sun Aug 02, 2015 7:20 pm
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 117
Views: 12650

Re: Retirees: Questions you hate being asked

I recall retiree indicating to me that they get up every morning with nothing to do and by nightfall they are only half done. Since I have retired I find this to be quite true. I heard Jerry Van Dyke interviewed a long time ago, his statement that always stayed with me: "we don't do nuthin and...
by Marmot
Fri Jul 31, 2015 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Which debt to work on next?
Replies: 31
Views: 2885

Re: Which debt to work on next?

oc4boxer wrote:Just personally speaking, paying off the student loan was very satisfying. I'd do that.


+1
by Marmot
Fri Jul 31, 2015 7:35 pm
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 141
Views: 31114

I haven't read all of the replies, but

we use our local library for our DVD needs. Currently binging on the Fringe series....fringe bingeing (sp?) we call it. Up next is Falling Sky's or maybe The Walking Dead. We aren't doing this because we are extremely cheap, it truly is convenient and at least I am getting something for my taxes.
by Marmot
Fri Jul 31, 2015 7:29 pm
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 117
Views: 12650

Re: Retirees: Questions you hate being asked

I get asked "what do you do all day" from time to time. Sometimes, if I feel like pulling their chain, I say "As little as possible" or something similar. What surprises me is that in 4 years of early retirement (I retired at age 47) not one person has asked me how I was able to...
by Marmot
Wed Jul 29, 2015 10:43 am
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 196
Views: 16586

I did not read all of the replies

I drive a 2000 4runner. I worked in a professional environment and I am the guy the Early retired at 57. Love my "beater", it only has 115,000 miles, I figure another 10 years at least :happy
by Marmot
Wed Jul 29, 2015 10:38 am
Forum: Investing - Help with Personal Investments
Topic: What type of Professional do I Need, or do I just need Bogleheads?
Replies: 17
Views: 2218

Re: What type of Professional do I Need, or do I just need Bogleheads?

Congratulations first off. When we were preparing for early retirement we went through a very intensive budgeting process. We used a software developed by Jim Otar. My wife and I went through the process together, it was the best thing we did IMO. We had most everything in place, but this budgeting ...
by Marmot
Wed Jul 22, 2015 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Opening 529 for children, ages 12, 9, and 4
Replies: 14
Views: 2036

Re: Opening 529 for children, ages 12, 9, and 4

I recently helped my dad open 529's for two great grand children. We went with the Vanguard program. The tax benefit for him on $20,000 only amounted to $64 for his particular state. When we looked at his state program, the funds were the same (Vanguard), but the administration fees added on quite a...
by Marmot
Thu Jul 09, 2015 5:26 pm
Forum: Investing - Theory, News & General
Topic: Anyone else get the recent Vanguard survey?
Replies: 6
Views: 1155

Re: Anyone else get the recent Vanguard survey?

I think the point I was making was I liked how they displayed the information. User friendly. The portfolio is close to a excel format.
by Marmot
Wed Jul 08, 2015 8:57 am
Forum: Investing - Theory, News & General
Topic: Anyone else get the recent Vanguard survey?
Replies: 6
Views: 1155

Morningstars portfolio info

I love the way Morningstar shows portfolio information. Seems so much simpler, love the X-Ray function and stock intersection function.
by Marmot
Mon Jul 06, 2015 5:29 pm
Forum: Personal Consumer Issues
Topic: New tires - where to buy, how to get a good deal?
Replies: 50
Views: 10269

Costco

Costco also gives you a year end rebate for what you spend.
by Marmot
Sun Jun 28, 2015 8:59 am
Forum: Personal Consumer Issues
Topic: Need to dispose tube TV in Pennsylvania. Township won't pick up.
Replies: 37
Views: 4975

Freecycle.org

Try this, my sister in law showed me this site. Worth a look.

http://my.freecycle.org/
by Marmot
Fri Jun 26, 2015 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: tap IRA to pay off CC debt?
Replies: 31
Views: 3678

Re: tap IRA to pay off CC debt?

If I pay it off from my 401K I feel I can break the pattern and start saving up cash reserves immediately. I am still not buying this. You have already saved up this 401k money for retirement. Let it sit there and grow. Use current cash/card offers to pay off debt. Don't borrow from the future to p...
by Marmot
Fri Jun 26, 2015 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Question - Early Retirement
Replies: 38
Views: 5523

Just one question

My pension allows us to take full pension benefits at age 62 if we had 25 years of service. I assume this is not a possible scenario for you or your pension?
by Marmot
Sat May 16, 2015 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Networth question
Replies: 54
Views: 5550

Re: Networth question

I include the numbers in my networth. My house is paid off and it is worth something regardless of the time it takes to sell. That is a basic fact. I don't add up the items inside, the art for instance. Once in a while I'll look at the house sales in our immediate neighborhood to get an idea of what...
by Marmot
Sat May 09, 2015 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: IRA rollover question
Replies: 11
Views: 1239

Re: IRA rollover question

You many not be getting many answers because your question is unclear. I can't think of how you would have a Roth IRA at an employer. If you mean a 401k or Roth 401k or a SIMPE IRA or a SEP IRA that you rolled in its entirety to a Roth IRA, -no, you could not longer contribute to the 401k or SIMPLE...
by Marmot
Sat May 09, 2015 10:37 am
Forum: Investing - Help with Personal Investments
Topic: IRA rollover question
Replies: 11
Views: 1239

IRA rollover question

Once you leave an employer and rollover an Roth 401K to a Roth IRA account to a third party (Vanguard of course), you are no longer allowed to make contributions of any kind in the future on this account? Is this a correct assumption?
by Marmot
Fri Apr 24, 2015 8:51 am
Forum: Personal Finance (Not Investing)
Topic: [How do I lead a discussion about saving for retirement?]
Replies: 38
Views: 4897

I don't think it is uncommon

for people under 30 to have little or no savings for retirement. I am more concerned with the percentage people at 40 who haven't started. When I read these statistics you have to watch how the numbers can be manipulated. If they are looking at a population from birth to 90, that is one set of stati...
by Marmot
Fri Apr 17, 2015 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Does your family know about your net worth (ball park)?
Replies: 98
Views: 13252

Re: Does your family know about your net worth (ball park)?

Q1. Does your family (parents, siblings) know about your net worth (ball park figure)?

No.

Q2. Do you know their net worth?

I am the executor for my dad, he is 88. The others, don't know, don't care.

Q3. How does knowing one's net worth affect family relationship?

I have no idea. I don't care.
by Marmot
Fri Apr 17, 2015 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Does your family know about your net worth (ball park)?
Replies: 98
Views: 13252

Delete

.....
by Marmot
Sat Mar 21, 2015 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Opened an account Vanguard yesterday, now having cold feet
Replies: 60
Views: 5996

I think we generally feel that you have a plan

develop a plan for your investments (that's the ISP), stay at a proper asset allocation and ignore all else...and we mean all else. Stuff happens in the world, it always seems to work out. I did read his book on currency wars, interesting and I don't doubt it happens. Bogelheads are the opposite of ...
by Marmot
Sat Mar 21, 2015 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Does your CPA/Tax Person help with reducing your taxes?
Replies: 66
Views: 9268

We actually have a mid year meeting

Every summer we either meet our CPA or get on a con call to discuss finances in general. We use the Vanguard financial advisor and the CPA both for advice, we bounce ideas off of both to get a "world view". A good example (not related to taxes entirely ) was whether to pay off a rental pro...
by Marmot
Sat Mar 21, 2015 8:32 am
Forum: Personal Finance (Not Investing)
Topic: COBRA vs ACA
Replies: 35
Views: 3357

We are going the private insurance route

Cobra is not cheap as many of you have determined. ACA - there is a saying, "you get insurance, just not coverage". If you don't use health services outside of the yearly wellness checks, ACA might work for you. We are with USAA and are going through them for medical coverage (they work wi...
by Marmot
Thu Mar 19, 2015 12:39 pm
Forum: Investing - Theory, News & General
Topic: Account Activity Alerts on Vanguard?
Replies: 3
Views: 691

it's been out there for a while (a few months).

Why not give them a call? I am enrolled in it, no big deal. Just another layer of security. I think it just alerts you when your account is accessed by a computer it does not recognize. Since you have to get into your account before anything is done, it serves the same purpose IMO. kind of like you ...
by Marmot
Wed Mar 11, 2015 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Buying a Mountain Condo
Replies: 12
Views: 1406

consider it dead money

I wouldn't unless it is a screaming deal. Basically, if you don't rent it, it is only a cash drain. Real estate taxes, utilities and so on. If you are really going to consider it get all of the costs figured out, I mean all of the costs. Are you going to pay someone to check on it, what are insuranc...

Go to advanced search