Search found 771 matches

by Nearing_Destination
Sun Feb 18, 2018 4:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 95
Views: 12156

Re: Roll Call for the Retirement Class of 2018!

Tomorrow I will sleep In I think. Congratulations, Ruby Tuesday. I heard sleeping in is hard for retirees to do. TravelforFun As a retiree with 2 weeks of experience, sleeping in comes most naturally! :D Congrats Ruby Tuesday! As a retiree from the class of 2015 :beer , sleeping in isn’t that hard,...
by Nearing_Destination
Sat Feb 17, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: FEHB or Tricare into Retirement
Replies: 4
Views: 290

Re: FEHB or Tricare into Retirement

don’t “drop it” — you should “suspend” it [/color] ( if you do decide to go with TriCare for Life they have a number on their website that can help you with the forms). if you drop it, you can’t get back; if you suspend you need to only wait until open season You might want to check out the TriCare...
by Nearing_Destination
Sat Feb 17, 2018 7:43 am
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Reasonably Safe Funds
Replies: 27
Views: 1836

Re: Suggestions for Reasonably Safe Funds

there’s a few different LifeStrategy funds:

VASGX - “LifeStrategy Growth “ - 80% equities

VSMGX - “LifeStrategy Moderate Growth “ is 60% equities

VSCGX - “LifeStrategy Conservative Growth “ is 40% equities

VASIX - “ LifeStrategy Income” is 20% equities
by Nearing_Destination
Sat Feb 17, 2018 7:21 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of ditching my FA; UPDATE
Replies: 24
Views: 2669

Why make it complicated?

I don’t understand why you are having Ameriprise do the Roth conversion; just do a conversion from IRA to Merrill Edge IRA and do the conversion there. any problems can be taken care of with them....and you wouldn’t be hit with another account closing fee by Ameriprise :( Simple exit from Ameriprise...
by Nearing_Destination
Thu Feb 15, 2018 4:41 am
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Reasonably Safe Funds
Replies: 27
Views: 1836

Re: Suggestions for Reasonably Safe Funds

If you're so adverse to risk perhaps just a ladder of CDs would work. There is not much return but there is not much risk. There is no free lunch. In my area you can get five year CDs at 2.3%. I just picked up two year CD’s at 2%; going out farther in duration at only nominal increases didn’t make ...
by Nearing_Destination
Wed Feb 14, 2018 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Salary requirements
Replies: 6
Views: 1247

Re: Retirement Salary requirements

Before retirement, we’d calculated the burn rate we’d had, noted unusual costs as well to see which could be recurring or whether it was one-off, and further determined the minimum spend we used [average + 2 std dev] + 20% for planning then grossed up for taxes. we didn’t plan to reduce at any age a...
by Nearing_Destination
Wed Feb 14, 2018 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Buy or Rent under new Tax Law
Replies: 20
Views: 1709

Re: Buy or Rent under new Tax Law

Renting appears significantly cheaper, especially if you can claim property tax deduction as renter (per Grabiner)

the job situation further pushes the decision towards renting
by Nearing_Destination
Wed Feb 14, 2018 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Where would you park 140k [Where to invest 140k]
Replies: 19
Views: 1766

Re: Where would you park 140k

Assuming this is taxable money I would probably put it all into a total stock market index fund then if necessary adjust your tax advantaged accounts to maintain your desired overall asset allocation. +1 or you could take a small portion and put it in a short term CD or high yield savings account f...
by Nearing_Destination
Wed Feb 14, 2018 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Where would you park 140k [Where to invest 140k]
Replies: 19
Views: 1766

Re: Where would you park 140k

agree with others, “park” usually means short term OP based on your levels, that you’ve already maxed your 401k, that you’re in 35% fed plus 5+% state tax and also that your combined current allocation is higher equity exposure I would investigate a tax-exempt bond fund in your taxable account [/col...
by Nearing_Destination
Tue Feb 13, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: CD rates on the rise. Should I break my CD...
Replies: 5
Views: 1385

Re: CD rates on the rise. Should I break my CD...

I’ve just got 2% two year CD’s and I suspect that rates might go higher by the time of maturity. I deliberately didn’t have them automatically renew because of the expected rate increase. With only 19 months left really can’t see any benefit... you’ll be able to take advantage of increases when you ...
by Nearing_Destination
Tue Feb 13, 2018 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: New Career with benefits.
Replies: 7
Views: 763

Re: New Career with benefits.

Sorry Duckie wasn’t really looking at the fund, especially how far down it goes. I use a mid-cap fund that doesn’t have that much small cap in it. (I also haven’t added to emerging markets, instead culled some earlier, and don’t tilt to small cap ( I prefer Mel’s unloved mid-caps) as I don’t need th...
by Nearing_Destination
Tue Feb 13, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: New Career with benefits.
Replies: 7
Views: 763

Re: New Career with benefits.

EM ===> emerging markets

(but I can see how you mistook me)
by Nearing_Destination
Tue Feb 13, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Should I claim chapter 7 bankruptcy? debt 110k
Replies: 64
Views: 6422

Re: Should I claim chapter 7 bankruptcy? debt 110k

You had $300k to invest last June that you apparently put all in SPY. Now you lost $500k. Where did the extra $200k come from? Just get more from that source and pay off your debt. And you haven't had any income, so how can you owe $20k in taxes? None of this makes any sense. Are we being trolled? ...
by Nearing_Destination
Mon Feb 12, 2018 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: New Career with benefits.
Replies: 7
Views: 763

Re: New Career with benefits.

Ive talked to people who say that the target date fund is the best to do, but I also know that index funds tend to do really well with lower fees. I would love some input from everyone! Thanks in advance. Well, the target date funds you have access to are pretty low fee, but not as low as the other...
by Nearing_Destination
Mon Feb 12, 2018 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: realized startup equity / schwab private client
Replies: 15
Views: 776

Re: realized startup equity / schwab private client

I'm 32y/o and recently realized my equity in a startup. My portfolio is now ~$3m and have access to the highest tier of schwab private client at discounted rates. I've been bogleing for about 3 years, so I'm trying to pick apart their various slice n' dice arguments for why a 4 fund portfolio is to...
by Nearing_Destination
Sat Feb 10, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Arguments against rising equity glide path?
Replies: 40
Views: 2410

Re: Arguments against rising equity glide path?

I’m about 10 years away from FIRE and I’m now thinking about following that approach but wanted to get all perspective and any opposing arguments to make an informed decision. The rising equity glide path is based on after retiring, not ten years before. So, the quesition you need to think about is...
by Nearing_Destination
Sat Feb 10, 2018 12:50 pm
Forum: Forum Issues and Administration
Topic: Black Theme for Site?
Replies: 38
Views: 2986

Re: Black Theme for Site?

Everybody knows that text readability achieved perfection in 1989. http://www.vdevito.com/site/wp-content/uploads/2016/06/5x-dos-a559929a888425c7cd465e0ce76fc149-WordPerfect-5.1-Edit.png ahhh, the old days I remember changing someones screen to purple on light green.... hideous combination (and now...
by Nearing_Destination
Fri Feb 09, 2018 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: What day of the week do you invest?
Replies: 11
Views: 677

Re: What day of the week do you invest?

TonyDAntonio wrote:
Fri Feb 09, 2018 12:16 pm
Any ONLY days that end in 'y'.
...and no trading on months that end in “s”
by Nearing_Destination
Thu Feb 08, 2018 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for new Boglehead-where to focus extra money to correct past mistakes?
Replies: 26
Views: 1983

Re: Advice for new Boglehead-where to focus extra money to correct past mistakes?

AndMan you should be able to transfer “in kind” without tax implications to some brokerages for the American finds, although you might find that the old “friendly “ broker will charge you a fee to close your account (still worthwhile). If you look at other threads you’ll see Fidelity, Schwab, snd a ...
by Nearing_Destination
Thu Feb 08, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5175

Re: What time do you go to work?

brianrhull wrote:
Thu Feb 08, 2018 9:21 pm
I used to leave for my commute to work (SF) at 5:15 am. I am now retired and wake up at 7. Much happier.
I used to have to get on the road by 5:30, but now in retirement may not get out of bed until 8:30-9 :wink:
(unfortunately, the furry ones usually wake us up well before then)
by Nearing_Destination
Thu Feb 08, 2018 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for new Boglehead-where to focus extra money to correct past mistakes?
Replies: 26
Views: 1983

Re: Advice for new Boglehead-where to focus extra money to correct past mistakes?

AndMan you mentioned American Funds in taxable what brokerage are you using? Fidelity, Schwab, TDAmeritrade, ??? hopefully you’re not (still) with EJ... look up threads about that, but are you in a brokerage with an AUM fee? (that’s not mentioned in your original post) as the saying goes “don’t let ...
by Nearing_Destination
Thu Feb 08, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5175

Re: What time do you go to work?

Not sure what this thread is supposed to accomplish. Each post will increment your post count by 1. Someone who is retired will brag that they don't have to work. Someone who is retired will brag that they get up even earlier now, but it's to do awesomer stuff. Early birds will establish their supe...
by Nearing_Destination
Fri Feb 02, 2018 11:57 pm
Forum: Personal Consumer Issues
Topic: Life Balance of spending and saving
Replies: 54
Views: 4538

Re: Life Balance of spending and saving

Questions: How far away are neighborhood/ community pools? are they acceptable? safe? How much extra insurance will you need and what does this cost? or can your insurance be canceled due to it being an “attractive nuisance “? I’ve known others that put in a decent pool for about $50k, but not with ...
by Nearing_Destination
Fri Feb 02, 2018 11:45 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7517

Re: Tips on Buying a Class-B RV

We’d looked at C’s and they were too small for us, much less B’s.... and the prices noted here..way too high for what you get ( never saw many used B’s, mostly C’s. There are dealers that specialize in only A and B resale that we’ve looked at but they don’t really give you that much off buying new f...
by Nearing_Destination
Fri Feb 02, 2018 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Need help - first major career choice (fed. gov.)
Replies: 39
Views: 2257

Re: Need help - first major career choice (fed. gov.)

Hi all, I have a question for you all. I was offered a job to work with the federal gov, I'm hoping for some comments about the finances of such a job. I think it seems reasonable, but I'm curious if any of ya'll see something that I didn't catch. Some highlights: Location is rural, LCOL, I could f...
by Nearing_Destination
Fri Feb 02, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: Alaska rental car - what is the real risk with unpaved roads?
Replies: 36
Views: 2323

Re: Alaska rental car - what is the real risk with unpaved roads?

Don't know about other laws, but one quaint Alaska driving law that I learned was about not leading a pack of cars exceeding five cars. Don't have a clue how they monitor and/or enforce this one. Got into a long discussion with DW about it ... as usual such discussions, it went unresolved! :oops: O...
by Nearing_Destination
Fri Feb 02, 2018 1:44 am
Forum: Personal Consumer Issues
Topic: Alaska rental car - what is the real risk with unpaved roads?
Replies: 36
Views: 2323

Re: Alaska rental car - what is the real risk with unpaved roads?

Don't know about other laws, but one quaint Alaska driving law that I learned was about not leading a pack of cars exceeding five cars. Don't have a clue how they monitor and/or enforce this one. Got into a long discussion with DW about it ... as usual such discussions, it went unresolved! :oops: O...
by Nearing_Destination
Thu Feb 01, 2018 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: insurance ugliness [how to get out of whole life and recoup some premiums]
Replies: 9
Views: 709

Re: insurance ugliness [how to get out of whole life and recoup some premiums]

you should have “googled “ First Command and lawsuits before starting... long history there ... and of using former military to go after current members (“they wouldn’t do anything bad, they used to be one of us “)... {2004, SEC finds that First Command willfully violated the Securities Act for deal...
by Nearing_Destination
Thu Feb 01, 2018 8:49 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 91
Views: 5413

Re: Fewer acronyms please

I remember with fondness the thread subject which had the abbreviation “IA”. It meant “Iowa”. There was the one which used LA and only later did people figure out the poster was not paying CA state income taxes. Lower Alabama? For a few months one grad school summer I had a research project boss wh...
by Nearing_Destination
Thu Feb 01, 2018 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Finally going to invest, brother is FA
Replies: 89
Views: 6552

Re: Finally going to invest, brother is FA

Best course in this situation would be to tell your brother that you intend to do it yourself but are willing to listen to any advice that he has. Then take that advice with a grain of salt because even though he would presumably have your best interests in mind he has a certain mindset by virtue o...
by Nearing_Destination
Tue Jan 30, 2018 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Denver Metro Real Estate market
Replies: 17
Views: 1307

Re: Denver Metro Real Estate market

OP Louisville is in Boulder county, has had higher prices for decades (and can be a pain for permits for maintenance, (don’t ask)) While the back roads used to be easy to get around, not any longer: in the day you could get a decent place in Golden and just go up 93 with little traffic (slower in th...
by Nearing_Destination
Tue Jan 30, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Question on wildlife trail cameras
Replies: 9
Views: 1231

Re: Question on wildlife trail cameras

I expect to use it for both wildlife and for surveillance of property, especially when we are not there, as there’s been enough reports of those casing properties in the area We thought about using our trail cam for keeping tabs on our property but decided against it since there are camera systems ...
by Nearing_Destination
Mon Jan 29, 2018 4:06 am
Forum: Personal Consumer Issues
Topic: Question on wildlife trail cameras
Replies: 9
Views: 1231

Re: Question on wildlife trail cameras

thanks for the initial responses i’ve looked at various youtube type videos/reviews with many apparently by sponsors or by the sales channels, so will be biased. also was looking for those that i had missed in the same capability/ price point I expect to use it for both wildlife and for surveillance...
by Nearing_Destination
Sat Jan 27, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Derisking my Portfolio with a Leveraged Mutual Fund
Replies: 35
Views: 1811

Re: Derisking my Portfolio with a Leveraged Mutual Fund

Awww, come on people... you’re not thinking far enough out there.... how about leveraged bitcoin futures...now you’re talking :wink: if the OP had done any research on long term holding of leveraged funds, then they wouldn’t have needed to post, AND they’d then realize that it would do anything BUT ...
by Nearing_Destination
Sat Jan 27, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Question on wildlife trail cameras
Replies: 9
Views: 1231

Question on wildlife trail cameras

I’ve been looking at trail cameras for wildlife, possibly also for birds (although the start up and then shutter delay and depth of field is often too slow) , and potentially for intruder ID if away (surprised that there haven’t been many threads and any have been quite old) wanted— at least 10-12 M...
by Nearing_Destination
Sat Jan 27, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: The biggest problem in retirement is spending (not)
Replies: 118
Views: 10254

Re: The biggest problem in retirement is spending (not)

80% of pre-retirement savings after about two decades isn’t all that unexpected if you examine the arc of wealth for a thirty year retirement under the 4% rule conditions for those cases where the terminal value is about zero the period where the portfolio starts to really start depletion is about 1...
by Nearing_Destination
Sat Jan 27, 2018 3:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 182
Views: 12828

Re: Finally!!!

actually, the kids should
by Nearing_Destination
Sat Jan 27, 2018 3:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 182
Views: 12828

Re: Can I be a member of the two comma club?

yes, looking forward to when you can join us there remember that generally housing rises at about the rate of inflation (understood that some markets can deviate), needs upkeep costs, and has taxes that can’t be optimized (and, as we have just seen, can be limited in being able to be deducted) inves...
by Nearing_Destination
Sat Jan 27, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: What hourly consulting rate outside my day job?
Replies: 28
Views: 1460

Re: What hourly consulting rate outside my day job?

don’t forget that, as a contractor, you have to pay both parts of SS/OASDI and may need specific insurance to cover you for your work clearly, working at your “take home “ rate would be beneficial to the hiring company- no benefits, no SS, no errors/omissions insurance (i’m assuming you’re a PE), no...
by Nearing_Destination
Fri Jan 26, 2018 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: [UPDATED 1/26/2018 ] 55+ Early retirement offer.
Replies: 90
Views: 12861

Re: [UPDATED 1/26/2018 ] 55+ Early retirement offer.

yep, as user “cfs” says “welcome to the Retiredforce” (i’m a junior member, in third year) if you do decide to go back, I’d agree with CurlyDave that you would be better off to start the process early with a position of strength, especially if you were to relocate for a short while to do so (if need...
by Nearing_Destination
Fri Jan 26, 2018 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: How do you decide how wealthy you really are?
Replies: 58
Views: 7934

Re: How do you decide how wealthy you really are?

I decided to self-identify myself as a billionaire. More precisely, twenty-something, handsome billionaire. Anybody who tries to deny that is an anti-science bigot. but is that in zimbabwe dollars? in that case you’d need to be a multi trillionaire :D for us, we’re “comfortable “ as if we took the ...
by Nearing_Destination
Fri Jan 26, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: If you lost your job
Replies: 19
Views: 2570

Re: If you lost your job

The answer depends a lot on the person: age, abilities, interests, family status, etc. that’s the gist of it... when single, the job search was throughout the entire US, only eliminating when it was clear that the paycheck wouldn’t support myself (sometimes it was easy, like the pittance in NY or B...
by Nearing_Destination
Fri Jan 26, 2018 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Still working out of greed or fear?
Replies: 46
Views: 4933

Re: Still working out of greed or fear?

I know that I’d held out because we wanted health insurance in retirement, which was an unknown for many others in different threads. (I might have gone earlier, but hadn’t been informed that a previous reduction included retiree health insurance, but hadn’t fully crunched the numbers nor felt that ...
by Nearing_Destination
Fri Jan 26, 2018 6:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 182
Views: 12828

Re: Can I be a member of the two comma club?

alas, some of us only consider “millionaires “ when we’ve got that in “investable assets “ of which home equity is not included (many, many threads on that)


but congrats on the milestone
by Nearing_Destination
Fri Jan 26, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant Recommends doing Whole Life Insurance
Replies: 64
Views: 5012

Re: Accountant Recommends doing Whole Life Insurance

The standard commission on a $1M whole life policy is $80k right up front. You can't buy a Ferrari for $80k. Well, not a new one, anyway. That's chump change. If I had $80k in my pocket, I'd just throw it in the street. What are we? Peasants? do you have people follow you.... er, wait, can I follow...
by Nearing_Destination
Fri Jan 26, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Federal pension Vs Higher salary + 401k savings plan
Replies: 35
Views: 3246

Re: Federal pension Vs Higher salary + 401k savings plan

hale2 I think we’ve established that it can’t be a regular FERS job upthread since it’s pay scale is beyond even SES others have suggested maybe SEC or the like (treasury special pay) and it’s likely that the OP doesn’t want to open up further for security (as it might be way too easy to then establ...
by Nearing_Destination
Fri Jan 26, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: When to claim Social Security: two reasons not to wait
Replies: 19
Views: 3103

Re: When to claim Social Security: two reasons not to wait

for us, if we pull 4% of portfolio along with my existing pension and add in just my SS we’d be over twice the average family income ( and ours would be year in year out, with no need for savings, already having paid off house and multiple vehicles) so we’d definitely be in IRMAA territory in addit...
by Nearing_Destination
Thu Jan 25, 2018 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire?
Replies: 22
Views: 2555

Re: Can I retire?

Thanks all! Seems like on average the opinion is close, but not quite yet. Pretty much my feeling, confirmation feels pretty good. My initial goal was to work until 55 to access the 401K without penalty. But having seen a few friends pass away before 55, you just get to thinking, I bet most everyon...
by Nearing_Destination
Thu Jan 25, 2018 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant Recommends doing Whole Life Insurance
Replies: 64
Views: 5012

Re: Accountant Recommends doing Whole Life Insurance

260chris

hay, isn’t that RobbieB’s role to tell him to “blow that dough “?

indeed, OP ... check your shirt to make sure it doesn’t have a target or a “sucker “ sticker on it
by Nearing_Destination
Thu Jan 25, 2018 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire?
Replies: 22
Views: 2555

Re: Can I retire?

travelgeek 4% might be too aggressive for the early 50’s (35-40 year expected retirement) hence why I used 3.5% to get the 49k the good news was paid off house and newer vehicles so those are not drags anticipated expenses down south (don’t exactly know where since OP didn’t even mention state) coul...