Search found 114 matches

by Near retirement
Thu Sep 22, 2016 8:55 pm
Forum: Investing - Theory, News & General
Topic: Extreme Maximization of College Financial Aid
Replies: 88
Views: 5093

Re: Extreme Maximization of College Financial Aid

This. "Oh, education is important to you. Sure a state school is good for people who don't value an "elite" education as much as you do, but then you aren't actually willing to pay for the elite education yourself. Do you think the financial aid endowments at these places are magical?...
by Near retirement
Mon Sep 19, 2016 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: SEeking Rental Advice
Replies: 9
Views: 967

Re: SEeking Rental Advice

Really appreciate the advice and guidance. I have made my decision. Thx for helping me clarify what I already knew.

NR
by Near retirement
Sun Sep 18, 2016 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: SEeking Rental Advice
Replies: 9
Views: 967

Re: SEeking Rental Advice

There are exterior stairs, but none in the condo. The condo is ground level but there are about 10 stairs to descend to get to condo. Parking is close.
by Near retirement
Sat Sep 17, 2016 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: SEeking Rental Advice
Replies: 9
Views: 967

Re: SEeking Rental Advice

The woman is in a terrible situation. I feel as if she would be better off in an assisted living environment but it is not my place to say.
by Near retirement
Sat Sep 17, 2016 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: SEeking Rental Advice
Replies: 9
Views: 967

Re: SEeking Rental Advice

Condo is in an area that is currently depressed re: real estate values. I own it out right and would sell it if I had a thought that I could get a de net price. Rental was attractive, allowing me to possibly wait a couple years and put on market. I am concerned this situation may create more downsid...
by Near retirement
Sat Sep 17, 2016 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: SEeking Rental Advice
Replies: 9
Views: 967

SEeking Rental Advice

Hello fellow BHs, I need some guidance. I own a condo and seldom use it. I was approached by a friend asking of its availability for rent/lease. The friend is trying to assist another friend in moving out of her current home. The current home is in disrepair and has been neglected, from what I have ...
by Near retirement
Thu Sep 01, 2016 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Trident Portfolio
Replies: 25
Views: 2579

Re: Trident Portfolio

Am I missing something here? It looks like Trident performed better than Boglehead 60/40, unless I am reading this wrong????
by Near retirement
Wed Aug 31, 2016 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Trident Portfolio
Replies: 25
Views: 2579

Re: Trident Portfolio

That does it, Arctic! Nice graph and confirmation. Thanks.
by Near retirement
Tue Aug 30, 2016 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Trident Portfolio
Replies: 25
Views: 2579

Re: Trident Portfolio

Back testing, while prudent to a point, CAN truly be hazardous.
by Near retirement
Tue Aug 30, 2016 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Trident Portfolio
Replies: 25
Views: 2579

Re: Trident Portfolio

I have no idea! My iPad took over with its own interpretation!! :oops: I think I typed "I am reluctant to buy individual company REITS?"

I agree that REITS are great inflation hedge. Have appreciated your perspective. Thanks, NJ.
by Near retirement
Mon Aug 29, 2016 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Trident Portfolio
Replies: 25
Views: 2579

Re: Trident Portfolio

Any particular REIT strategy or fund? I am reluctant to buy industry video dual REITS. I have also been "REIT averse"as I own my home and a vacation condo plus have a small investment in TIAA Real Estate so would need not to over balance the real estate part of my assets.
by Near retirement
Fri Aug 26, 2016 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Trident Portfolio
Replies: 25
Views: 2579

Re: Trident Portfolio

I see your point. I will consider, NJ. Thanks for your thoughtful replies. Enjoy the weekend ahead.
BH cheers,
NR
by Near retirement
Thu Aug 25, 2016 6:28 am
Forum: Investing - Help with Personal Investments
Topic: Trident Portfolio
Replies: 25
Views: 2579

Re: Trident Portfolio

I am retired but only for about 2 years so I am concerned about sequence risk, and the proverbial Achilles Heel of of clinging too dearly to past practices. I currently have a 50/50 stock to bond ratio, mostly in TSM and TBM. I am likely going to continue research in areas tha tight make sense for t...
by Near retirement
Wed Aug 24, 2016 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Trident Portfolio
Replies: 25
Views: 2579

Re: Trident Portfolio

NJ,

Likewise, I have been rethinking bonds as my stabilizer as have many. Long and intermediate term treasuries sounds like a safe alternative. Have you considered mixing in REITS, and if yes, how would you choose?

NR
by Near retirement
Wed Aug 24, 2016 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Trident Portfolio
Replies: 25
Views: 2579

Re: Trident Portfolio

Thanks Arctic. Nice graphs that illustrate growth. NJ, I had not seen this site with all strategies in visual array comparisons. Gold is always hard for me to understand ... As a hedge, a "market", etc. I had a broker some years ago that really pushed the dickens out of it ... And Polish o...
by Near retirement
Wed Aug 24, 2016 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Trident Portfolio
Replies: 25
Views: 2579

Trident Portfolio

Hello fellow BHs, I was just reading about the Trident Portfolio on the Investwithstrength.com website. It entails investing in equal measure into three ETFs: US Small-Cap Value Stocks (VBR), Gold (GLD), and Long Term US Treasuries (TLT). Has anyone had any experience with this strategy or any insig...
by Near retirement
Thu Aug 20, 2015 4:44 pm
Forum: Personal Consumer Issues
Topic: My new dishwasher doesn't clean
Replies: 77
Views: 16747

Re: My new dishwasher doesn't clean

Not sure if you have been given this advice ... My mother had a new dishwasher installed in her kitchen. It was a Maytag. She complained and complained, saying the old one was far better at cleaning her dishes. This went on for a few years! rhere wasting a water leak which required the unit to be re...
by Near retirement
Sat Aug 15, 2015 8:38 pm
Forum: Personal Consumer Issues
Topic: Upcoming trip to Deer Isle (Stonington), Maine
Replies: 12
Views: 1456

Re: Upcoming trip to Deer Isle (Stonington), Maine

Would appreciate getting this thread back on track re: Stonington, Maine. If anyone else has suggestions for the .stonington, Deer Isle, Blue Hill area, we would be very appreciative. Restaurants, hikes, other interesting adventures aside from Acadia. thank you.

near Retirement
by Near retirement
Wed Aug 05, 2015 8:39 pm
Forum: Personal Consumer Issues
Topic: Upcoming trip to Deer Isle (Stonington), Maine
Replies: 12
Views: 1456

Upcoming trip to Deer Isle (Stonington), Maine

We are headed to Maine to the Deer Isle/Stonington area. We will be there for a couple weeks. Any suggestions for restaurants, local sites, ETc. ...any tips would be appreciated. Have not been to Deer Isle though have spent several vacations in the wonderful state of Maine. Thanks in advance.

NR
by Near retirement
Wed Mar 04, 2015 9:20 pm
Forum: Personal Consumer Issues
Topic: Well made woman's shoe?
Replies: 28
Views: 3410

Re: Well made woman's shoe?

Ditto Ferrangamo!
by Near retirement
Thu Feb 26, 2015 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: IRA investment after retirement?
Replies: 9
Views: 926

Re: IRA investment after retirement?

Is it advantageous (enough) to continue to use tIRA as an investment method after retirement? I have a small amount of earned income from a hobby and unearned income from investments. Since I can no longer use full advantage of Roth, just wondering if others continue to contribute to an IRA. Thanks...
by Near retirement
Thu Feb 26, 2015 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: IRA investment after retirement?
Replies: 9
Views: 926

Re: IRA investment after retirement?

I don't think it's usually advantageous to contribute to a tIRA after retirement. The big reason to use a tIRA is to defer taxes to a time in your life when the rates will be lower. Once you go past 70 1/2 you will be taking RMDs which can boost you into a higher bracket. This is my thinking as wel...
by Near retirement
Thu Feb 26, 2015 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: IRA investment after retirement?
Replies: 9
Views: 926

Re: IRA investment after retirement?

furwut wrote:I think so. If you have so much income that you can't directly contribute to a Roth maybe you could do a back-door Roth instead?


In retirement, with very nominal earned income, I am not able to contribute the max to Roth (6500$).
by Near retirement
Thu Feb 26, 2015 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: IRA investment after retirement?
Replies: 9
Views: 926

IRA investment after retirement?

Is it advantageous (enough) to continue to use tIRA as an investment method after retirement? I have a small amount of earned income from a hobby and unearned income from investments. Since I can no longer use full advantage of Roth, just wondering if others continue to contribute to an IRA. Thanks ...
by Near retirement
Mon Nov 17, 2014 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Take ACA Subsidy vs. Roth coversion???
Replies: 7
Views: 1462

Re: Take ACA Subsidy vs. Roth coversion???

Depends on how much you need to convert. If a lot, not enough to fit just between 65 and 70, you can convert some every year up to just under the 400% FPL line, or take a bigger bath in one year and none the other years. The subsidy basically creates a surcharge on marginal tax rate. See blog posts...
by Near retirement
Mon Nov 17, 2014 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Take ACA Subsidy vs. Roth coversion???
Replies: 7
Views: 1462

Take ACA Subsidy vs. Roth coversion???

I am 60 years old and retired. Going forward, my unearned income will qualify me to a subsidy on the ACA health care exchange. I plan to delay SS until 70 unless something derails that plan. Question: Between now and Medicare eligibility, would you advise taking the subsidy and delaying TIRA to Roth...
by Near retirement
Fri Nov 14, 2014 6:33 am
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 16478

Re: ObamaCare vs. Private Insurance??

random guy, What level plan (e.g., bronze, silver ...) and what deductible did you decide on? If PM more appropriate, would appreciate me specifics re: the policy you chose. Its a bronze PPO plan. I want to say the deductible is like 7k. Again this is pretty much the exact same plan I had before AC...
by Near retirement
Mon Nov 10, 2014 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 16478

Re: ObamaCare vs. Private Insurance??

I am mostly interested in comparisons between on and off exchange, and any specific experiences in VA. Thanks, Magellan. For a list of off-exchange policies, visit the link below and enter your zip code and information. You'll need to say you had a qualifying event to see 2014 prices. I just clicke...
by Near retirement
Mon Nov 10, 2014 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 16478

Re: ObamaCare vs. Private Insurance??

Thanks, yes. I have previously used the calculator and looked at the Exchange. I am mostly interested in comparisons between on and off exchange, and any specific experiences in VA. Thanks, Magellan. I have blue cross blue shield in VA. The plan I had before ACA is pretty much identical to the plan...
by Near retirement
Mon Nov 10, 2014 7:27 am
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 16478

Re: ObamaCare vs. Private Insurance??

...makes it hard to get responses that are pertinent to the original question. On that front, how are you doing with the on-topic responses so far? Have you been able to look at the 2014 plans on healthcare.gov to see the plans and prices? Did the calculator I posted about make sense? Do you have a...
by Near retirement
Sun Nov 09, 2014 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 16478

Re: ObamaCare vs. Private Insurance??

Thanks, Devono. Clearly, this is a politically charged subject; makes it hard to get responses that are pertinent to the original question. No harm, no foul.
by Near retirement
Sun Nov 09, 2014 6:05 am
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 16478

Re: ObamaCare vs. Private Insurance??

As the OP on this thread, I would still be appreciative of any advice specific to the state of Virginia (experiences with the state Exchange and in comparison with non-exchange insurance).
by Near retirement
Sat Nov 08, 2014 8:09 am
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 16478

Re: ObamaCare vs. Private Insurance??

I appreciate the various perspectives. If I aggregate the responses, it looks like MOST opinions lean (though cautiously) toward going with Obamacare. Others lean toward funding with private company (e.g., BC/BS) outside of the exchange. FWIW, I would need to use the exchange in Virginia. Anyone hav...
by Near retirement
Thu Nov 06, 2014 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 16478

ObamaCare vs. Private Insurance??

I am getting ready, this month, to make a decision about AHA for 2015 I am retired, so I will not have earned income. Unearned income will be 30,000 or less based on my best estimates. Does anyone have advice, experience, or a link that will have me make the best decision ... AHA or private insuranc...
by Near retirement
Tue Sep 30, 2014 7:15 am
Forum: Investing - Help with Personal Investments
Topic: High yield muni bonds
Replies: 16
Views: 1584

Re: High yield muni bonds

Thanks for all valuable perspectives. I learned from them. I currently take total return approach and was interested in exploring pros and cons of HY muni approach.
by Near retirement
Mon Sep 29, 2014 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: High yield muni bonds
Replies: 16
Views: 1584

Re: High yield muni bonds

Have looked at PRFHX, NEA, and VWITX.
Wish to preserve capital, but exploring ways to generate income.
by Near retirement
Mon Sep 29, 2014 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: High yield muni bonds
Replies: 16
Views: 1584

High yield muni bonds

I am considering various ways to generate income from my portfolio. Has anyone used high yield muni bonds in their strategy? Thanks in advance for any insights.
by Near retirement
Mon Jul 28, 2014 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: HELP for dying friend ...
Replies: 48
Views: 5855

Re: HELP for dying friend ...

Who is the older sibling, A or B? B is the older sibling, and is the executor. The other sibling, A, is still trying to run the show and because B is uncertain and easily manipulated (I surmise), it is very interesting. Does anyone have experience specifically with TIAA-CREF or 403-B? Would appreci...
by Near retirement
Sun Jul 27, 2014 10:40 am
Forum: Personal Finance (Not Investing)
Topic: HELP for dying friend ...
Replies: 48
Views: 5855

Re: HELP for dying friend ...

dolphinsaremammals wrote:Who is the older sibling, A or B?


B is the older sibling, and is the executor. The other sibling, A, is still trying to run the show and because B is uncertain and easily manipulated (I surmise), it is very interesting.
by Near retirement
Sat Jul 26, 2014 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: HELP for dying friend ...
Replies: 48
Views: 5855

Re: HELP for dying friend ...

Update: My friend passed away. Her will designated the older sibling as the executor of her estate. The two siblings have just received the paperwork from TIAA-CREF to access their portions of their mother's 403-B savings. I am still trying to ask questions and provide limited guidance without being...
by Near retirement
Mon Jun 30, 2014 3:34 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 704
Views: 196125

Re: Variable Percentage Withdrawal (VPW)

Will the software download to an iPad?
by Near retirement
Mon Jun 16, 2014 12:45 pm
Forum: Personal Consumer Issues
Topic: Watch battery replacement gone bad. What to do???
Replies: 15
Views: 1503

Re: Watch battery replacement gone bad. What to do???

Believe it or not some people can ruin a watch changing a battery. I had a cheap Casio ruined at Target once, but since it was a cheap watch I let it go. I don't think I'd DIY for something as expensive as an Omega. I'd prefer to pay a few bucks to someone qualified rather than risk ruining it. The...
by Near retirement
Sun Jun 15, 2014 9:21 pm
Forum: Personal Consumer Issues
Topic: Watch battery replacement gone bad. What to do???
Replies: 15
Views: 1503

Re: WATCH BATTERY replacement gone bad. What to do???

roymeo wrote:What's the voltage read on the battery?


How would I determine the voltage read, Roymeo?
by Near retirement
Sun Jun 15, 2014 9:02 pm
Forum: Personal Consumer Issues
Topic: Watch battery replacement gone bad. What to do???
Replies: 15
Views: 1503

Watch battery replacement gone bad. What to do???

I need some advice. I took my Omega watch into a jewelry store for a simple battery replacement. It was not a jewelry store I usually use; however, with such a simple task, I did think twice about it. The owner took my watch into the back room, out of sight. He was there an extended period of time -...
by Near retirement
Tue May 27, 2014 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: HELP for dying friend ...
Replies: 48
Views: 5855

Re: HELP for dying friend ...

1. could the attorney handling the mother's will serve to mediate the differences of opinion RE: the disposition of assets? I believe the children will be co-executors of the will, but that is unknown. Should separate attorneys be considered? 2. How long does probate typically take? 3.I do not know...
by Near retirement
Tue May 27, 2014 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: HELP for dying friend ...
Replies: 48
Views: 5855

Re: HELP for dying friend ...

You caught me.... What I meant was that if the parent is dying I would prefer that the evil sibling not focus on planning the disposition of assets but rather visit and try to comfort the mother. It's like the evil one can't wait to get her hands on the money. I have to say, I guess I would be cons...
by Near retirement
Mon May 26, 2014 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: HELP for dying friend ...
Replies: 48
Views: 5855

Re: HELP for dying friend ...

Umm, no, sibling A can't just "dispose of assets at will" after the decedent has passed. The will must be filed with the court and probated prior to the instructions of the will can be carried out by the executor. Sibling B can put a halt to the POA pilfering bank accounts by informing th...
by Near retirement
Mon May 26, 2014 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: HELP for dying friend ...
Replies: 48
Views: 5855

Re: HELP for dying friend ...

I am sorry to hear about your friend's terminal illness. I would be concerned about sibling A (OK, maybe either sibling) draining the bank accounts and anything else he/she has passwords to while your friend's body is still warm. Change passwords (as mentioned above)? Or at the very least, notify t...
by Near retirement
Mon May 26, 2014 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: HELP for dying friend ...
Replies: 48
Views: 5855

HELP for dying friend ...

I need some guidance. A dear friend is in the last stages of life. She has two adult children, one with her and one out of state. Her estate will include a house (still has sizable mortgage), maybe 50K equity, and a low 6 figure 403-B. One sibling (A) wants to dispose of all assets ASAP upon the mot...
by Near retirement
Tue May 20, 2014 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Gave two weeks notice a week ago - benefits wrapup questions
Replies: 22
Views: 4516

Re: Gave two weeks notice a week ago - benefits wrapup quest

Yes, that is exactly what I'm doing. I think I mentioned it in my article but you need to make sure that you sign up for your own health care about 1 month or more in advance (I'm sure ACA is the same way). So if I quit on 5/20/14, I would have 2 months of free COBRA. I'd call my new insurance comp...

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