Search found 122 matches

by Near retirement
Wed Jan 10, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Retired, but opportunity to earn $: taxes??????
Replies: 17
Views: 2018

Re: Retired, but opportunity to earn $: taxes??????

An update to share decisions. I have decided to accept the short term job. It will be on W2, not 1099 due to nature of job. Company will provide an apartment and reimburse for to/from permanent home mileage at their policy rate. I will go on their health plan after wait period. After contract is com...
by Near retirement
Sun Jan 07, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Retired, but opportunity to earn $: taxes??????
Replies: 17
Views: 2018

Re: Retired, but opportunity to earn $: taxes??????

I am appreciating all insights and contributions to this thread. 401K and IRA will be the route. Not sure I would have a high deductible option on employer’s policy options in order to exercise HSA. One real advantage of using the company’s health care policy will be 18 months of COBRA. It will brid...
by Near retirement
Fri Jan 05, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Retired, but opportunity to earn $: taxes??????
Replies: 17
Views: 2018

Re: Retired, but opportunity to earn $: taxes??????

Can I employ all of these strategies in a given tax year?
1. If salaried, Fund 401K to max value, given age of 63.
2. SEP/IRA ... (I am assuming this may only be used if hired as independent contractor/consultant?)
3. Donor Advised Fund
by Near retirement
Thu Jan 04, 2018 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Retired, but opportunity to earn $: taxes??????
Replies: 17
Views: 2018

Re: Retired, but opportunity to earn $: taxes??????

Lemongrab, I will ask if W2 or 1099. Mhalley, I would have their healthcare as an option beginning March 1. I will likely only work through May so I am not sure it is worth changing from my current plan. Could request additional compensation for increase in health care premium costs. Any opinion abo...
by Near retirement
Wed Jan 03, 2018 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Retired, but opportunity to earn $: taxes??????
Replies: 17
Views: 2018

Re: Retired, but opportunity to earn $: taxes??????

Are there ways to protect earnings from taxes in this scenario? I would appreciate any insights. Thank you in advance.
by Near retirement
Wed Jan 03, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Retired, but opportunity to earn $: taxes??????
Replies: 17
Views: 2018

Re: Retired, but opportunity to earn $: taxes??????

Thank you, Watty. The company is in a different state. Clearly, health insurance is an issue as are strategies for limiting tax exposure. Any thoughts re: the latter? Thanks!
by Near retirement
Wed Jan 03, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Retired, but opportunity to earn $: taxes??????
Replies: 17
Views: 2018

Retired, but opportunity to earn $: taxes??????

I retired a few years back. I am 63 years old and using ACA for health Insurance currently, until Medicare eligible. Trying to keep earned and unearned income low in order to utilize subsidy. I have been presented with an opportunity to work for about 6-8 months and would likely earn 5-6 figures. Ob...
by Near retirement
Thu Oct 05, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: Puglia, Italy travel, any suggestions?
Replies: 0
Views: 187

Puglia, Italy travel, any suggestions?

Fellow BH,

We are planning a trip to Italy. Much of our time will be spent in Puglia. Are there any recommendations for “don’t miss” sites, hikes, restaurants, etc. thanks in advance for any assistance!!

NR
by Near retirement
Thu Sep 22, 2016 8:55 pm
Forum: Investing - Theory, News & General
Topic: Extreme Maximization of College Financial Aid
Replies: 89
Views: 7148

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? As you scheme ...
by Near retirement
Mon Sep 19, 2016 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: SEeking Rental Advice
Replies: 9
Views: 1180

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: 1180

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: 1180

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: 1180

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: 1180

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: 4386

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: 4386

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: 4386

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: 4386

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: 4386

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: 4386

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: 4386

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: 4386

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: 4386

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 oil. Go fig...
by Near retirement
Wed Aug 24, 2016 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Trident Portfolio
Replies: 25
Views: 4386

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: 23129

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: 1566

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: 1566

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: 40
Views: 5553

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: 1004

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: 1004

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: 1004

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: 1004

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: 1636

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: 1636

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: 19938

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: 19938

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: 19938

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: 19938

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: 19938

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: 19938

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: 19938

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: 19938

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: 1910

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: 1910

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: 1910

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: 6067

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: 6067

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: 6067

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: Personal Finance (Not Investing)
Topic: Variable Percentage Withdrawal (VPW)
Replies: 751
Views: 239835

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: 1735

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...