Search found 652 matches

by Padlin
Sat Jul 23, 2016 6:48 am
Forum: Investing - Help with Personal Investments
Topic: Financing retirement before SS - when to retire
Replies: 20
Views: 2286

Re: Financing retirement before SS - when to retire

Hi Dottie I retired in pretty much the exact same condition that you are in, financially. I do have company subsidized med insurance although it still runs us about $8k a year total. Total annual spending $60k. With 2 of us SS will cover about 90% at 70 so I have to cover 11 years (we're 60) with sa...
by Padlin
Sun Jul 10, 2016 5:19 am
Forum: Investing - Help with Personal Investments
Topic: wait for the drop?
Replies: 75
Views: 6501

Re: wait for the drop?

Welcome Namrac If you want to do your own investing, like many of us, I'd suggest you take your time, do a bunch of reading and get comfortable with what you want to do before you do anything. Get into it as slow or quick as your temperament calls for. I know many that go both ways, some jump into t...
by Padlin
Sun Jun 26, 2016 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Move $ from 401K to Roth
Replies: 6
Views: 590

Re: Move $ from 401K to Roth

Thanks, Income will never be lower then the next 2 years. Just have to figure out the best amount.
by Padlin
Sun Jun 26, 2016 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Move $ from 401K to Roth
Replies: 6
Views: 590

Move $ from 401K to Roth

Background DW and I are 60, I'm retired (4th year), DW working part time, earnings around $5k No Pensions, will get top $ from SS, hoping to hold off till 70 for me, 66 for DW. Came into a small inheritance, will be living off this cash for roughly a couple years. Question. Not needing to make a 401...
by Padlin
Tue Apr 19, 2016 3:20 am
Forum: Personal Finance (Not Investing)
Topic: When was the most stressful financial time in your life?
Replies: 94
Views: 11424

Re: When was the most stressful financial time in your life?

The early years, say from 16-30. Living paycheck to paycheck, always felt broke. learned to live below your means, out of necessity, and to pay off your credit cards in full each month. The decision to take an early retirement offer was another. I learned it wasn't an easy decision. We'll see what h...
by Padlin
Tue Apr 19, 2016 2:58 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: what's your Withdrawal Rate for this and last year?
Replies: 79
Views: 7331

Re: Retirees: what's your Withdrawal Rate for this and last year?

No SS or pensions as yet, spouse working PT.
2015 just under 7%
2016 looks like 0%
by Padlin
Mon Jan 18, 2016 7:38 am
Forum: Personal Consumer Issues
Topic: New Cell Plan
Replies: 21
Views: 2398

Re: New Cell Plan

Been using Puppy Wireless for a few years now which uses Verizon as a carrier . If you go to the website you can check the prices. There is a Device Eligibility selection at the top of their home page to verify that your phone will work or not by the ESN (MEID) number. One note, they do not current...
by Padlin
Sat Dec 05, 2015 7:18 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 528
Views: 62476

Re: Free Windows 10 Upgrade, Yes or No?

Been running 10 for something like 6 months. Just the other day 2 updates asked to download and install, told it to go ahead. After the first, which was for the touchpad, I saw the 2nd one was huge, on checking further it was win 10pro. Took a quick look and MS is charging something like $150. No r...
by Padlin
Sat Dec 05, 2015 7:13 am
Forum: Personal Consumer Issues
Topic: New Cell Plan
Replies: 21
Views: 2398

Re: New Cell Plan

Been using Puppy Wireless for a few years now which uses Verizon as a carrier . If you go to the website you can check the prices. There is a Device Eligibility selection at the top of their home page to verify that your phone will work or not by the ESN (MEID) number. One note, they do not currentl...
by Padlin
Tue Dec 01, 2015 8:54 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 528
Views: 62476

Re: Free Windows 10 Upgrade, Yes or No?

Been running 10 for something like 6 months. Just the other day 2 updates asked to download and install, told it to go ahead. After the first, which was for the touchpad, I saw the 2nd one was huge, on checking further it was win 10pro. Took a quick look and MS is charging something like $150. No re...
by Padlin
Sun Nov 29, 2015 10:18 pm
Forum: Personal Consumer Issues
Topic: Guilty pleasures?
Replies: 123
Views: 13498

Re: Guilty pleasures?

Ben & Jerry's almost every night when on vacation.
A Padron 1926 sitting on the porch on a nice day.
by Padlin
Sun Nov 29, 2015 9:50 pm
Forum: Personal Consumer Issues
Topic: Online prescription glasses good or bad?
Replies: 13
Views: 2198

Re: Online prescription glasses good or bad?

Might be too late, but if I don't make the optician mark where my pupils should be are in the new frames the progressives come out wrong. Out of the last 5 or 6 pair they did not mark it twice, both were useless when I got them. I'd be leery with progressives.
by Padlin
Sun Nov 22, 2015 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Emergency savings account
Replies: 16
Views: 2446

Re: Emergency savings account

It depends on what you consider an emergency fund for. If it's to be used for a new dryer, tires, car breakdown, and such, then you need it very fluid, like your checking and savings. If an emergency is more like losing a job, then you can put it somewhere it'll do better then .001%. I used CD's and...
by Padlin
Sat Aug 29, 2015 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for retirement without a 401k
Replies: 7
Views: 633

Re: Investing for retirement without a 401k

Thanks folks, looks like I have some WIKI reading to do.
by Padlin
Sat Aug 29, 2015 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for retirement without a 401k
Replies: 7
Views: 633

Re: Investing for retirement without a 401k

Can you do $5500 into both a Roth and an IRA, or just $5500 total, they are in their 30's.
by Padlin
Sat Aug 29, 2015 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for retirement without a 401k
Replies: 7
Views: 633

Investing for retirement without a 401k

This question is for a family member, spouse #1 changed from full time to part time till the kids grow a bit, part time does not qualify for the 401k. Spouse #2 recently changed jobs, the new one has no 401k. Looking to invest in the $20k per year range, family income is somewhere around $80k. Neith...
by Padlin
Fri Jul 03, 2015 8:57 am
Forum: Investing - Theory, News & General
Topic: Rollover 401K to TIRA
Replies: 6
Views: 716

Re: Rollover 401K to TIRA

Thanks Avi, hadn't thought of the asset protection angle. Along with some of the more important exemptions: 2 cows, 12 sheep, 2 swine and 4 tons of hay; 1 pew occupied by the debtor or the debtor’s family in a house of public worship; 1 sewing machine in actual use by each debtor or by his family, n...
by Padlin
Fri Jul 03, 2015 5:31 am
Forum: Investing - Theory, News & General
Topic: Rollover 401K to TIRA
Replies: 6
Views: 716

Rollover 401K to TIRA

The fund choices I have in my 401k have slowly deteriorated over the years, I'm no longer able to come up with a good diversified low cost portfolio. I retired 2 years ago and will shortly hit 59 1/2 yo. I'm thinking about transferring all but my stable value "GIC" fund to an IRA and doing...
by Padlin
Wed Feb 18, 2015 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Should I Quit My Job
Replies: 46
Views: 7993

Re: Should I Quit My Job

To me it would be more a physiological question as opposed to a physical one. Chances are that you'll be the oldest one in your flight at basic training, with all the 18-20 year olds. Mostly the same when you go through training as you'll be in the barracks/dorms. Once you go off to your first duty ...
by Padlin
Wed Feb 18, 2015 6:59 am
Forum: Personal Consumer Issues
Topic: Is PagePlus Cellular Being Shut Down?
Replies: 16
Views: 3977

Re: Is PagePlus Cellular Being Shut Down?

I hear that they outsourced customer service and as such things have slowed down a lot but nothing about shutting down. I use Kitty Wireless as a middleman between PagePlus and myself, they just launched their own service bypassing PagePlus, Puppy Wireless. I'm giving this one a try, the swap went f...
by Padlin
Wed Feb 18, 2015 6:43 am
Forum: Personal Consumer Issues
Topic: Not clearing snow from driveway
Replies: 81
Views: 7333

Re: Not clearing snow from driveway

Yes you should clear your driveway. 1 - Ice Hazard - Someone probably your spouse will slip and fall. If you are unlucky it will be someone else like the mailman, ups, etc. 2 - re-Freeze Hazard - the freeze thaw cycle will exasperate any cracks in your driveway - turning a small fissure into a new ...
by Padlin
Sun Feb 15, 2015 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Did you overestimate your retirement spending?
Replies: 17
Views: 2684

Re: Did you overestimate your retirement spending?

Only 2 years into retirement and I figured it pretty well so far. Ask again in 10-15 years.
by Padlin
Wed Feb 11, 2015 6:34 am
Forum: Personal Consumer Issues
Topic: Using online tax software
Replies: 14
Views: 1194

Using online tax software

How do you folks feel about using online tax software that they store on their server? I'm a bit leery of it.
by Padlin
Thu Feb 05, 2015 8:15 am
Forum: Investing - Help with Personal Investments
Topic: GIC's
Replies: 2
Views: 281

Re: GIC's

I use our GIC fund for 1/3 of my fixed allocation, along with Inflation Protected Securities VIPSX, and Intermediate Term Bond VBILX. It's what I use as a pseudo money market to store my "safe" money. It is of course not completely safe, but enough so for my needs.
by Padlin
Sun Feb 01, 2015 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on financing RV
Replies: 7
Views: 1033

Re: Need advice on financing RV

If you do finance it, look into it well before you retire, I found the bank would not give me a Home Equity Loan as I had no income. That I owed nothing to anybody and had plenty in investments didn't matter.
by Padlin
Tue Jan 27, 2015 6:33 pm
Forum: Personal Consumer Issues
Topic: Less than a Million Club Poll, your real number?
Replies: 15
Views: 3612

Re: Less than a Million Club Poll, your real number?

I thought the "Less Then A Million Club" was for those who retire with less. You want us to add in home equity and give value to SS and still be under 1M? I was playing with I-Orp earlier today, it tells me with the house I have 1.2M, add in SS and I'll end up bringing in and spending over...
by Padlin
Mon Jan 26, 2015 7:58 am
Forum: Personal Consumer Issues
Topic: 400ft Driveway - How do I plow the snow?
Replies: 67
Views: 11035

Re: 400ft Driveway - How do I plow the snow?

Most folks around me with bigger properties use either a plowing service or a small bucket loader of one sort or another. They buy the loader/tractor for year round use, they resell quite easily so you recoup most of the initial outlay. I gave up on the plow service when they slammed into my chimney...
by Padlin
Thu Jan 22, 2015 7:43 pm
Forum: Personal Consumer Issues
Topic: anyone here been to the Super Bowl?
Replies: 23
Views: 3008

Re: anyone here been to the Super Bowl?

Saw the Dallas beat Denver in 78 in NO. I remember all the people and the ocean or orange RV's in the parking lots, the game not so much. You can see it better on TV, but it's more fun to be there. Enjoy, I'm envious. Hopefully this football issue won't ruin it.
by Padlin
Wed Jan 21, 2015 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 136
Views: 19803

Re: What age did you hit $100,000?

1996, age 40. That was putting away 17% of my income for 10 years. 10 years later it was 500k.
by Padlin
Tue Jan 20, 2015 2:35 pm
Forum: Personal Consumer Issues
Topic: St. John, USVI travel advice
Replies: 15
Views: 2412

Re: St. John, USVI travel advice

We've rented in Coral Bay several times, always the same villa, http://www.tradewindscottage.com/ , no air conditioning or pool. You do get the easterlies blowing right into the villa so the lack of AC has not been an issue. We rent a 2 door jeep at Discount Car Rental which is close to, but off the...
by Padlin
Tue Jan 20, 2015 7:29 am
Forum: Personal Consumer Issues
Topic: The "Less Than" a Million $ Club
Replies: 73
Views: 12808

Re: The "Less Than" a Million $ Club

GerryL wrote:So the question should be "Are you prepared to live on a reduced SS check?"


If you're asking can we get by on less then the full amount I've figured on, sure. I try not to get paranoid over the unknown, you plan the best you can and try and stay flexible.
by Padlin
Mon Jan 19, 2015 6:26 pm
Forum: Investing - Theory, News & General
Topic: How would you respond?
Replies: 28
Views: 4491

Re: How would you respond?

Good work.
by Padlin
Mon Jan 19, 2015 6:16 pm
Forum: Personal Consumer Issues
Topic: Instant coffee
Replies: 34
Views: 4418

Re: Instant coffee

We do cold brewed too, wouldn't classify it as instant though.

When we travel (RV) we use instant when the jugs of cold brew run out, to much hassle to mess with the grounds when we're away. Will try a few of these instants out next trip, been using Folgers, after a couple days it's okay.
by Padlin
Mon Jan 19, 2015 6:05 pm
Forum: Personal Consumer Issues
Topic: The "Less Than" a Million $ Club
Replies: 73
Views: 12808

Re: The "Less Than" a Million $ Club

Have just less then $1M, retired a year and a half ago at 57 when the company asked for volunteers to go early, wife still working PT for another year. Will (hopefully) receive pretty much the max from SS when we decide to take it, shooting for her at 66.5, me at 70. No debt, own home and mobile ret...
by Padlin
Sun Jan 18, 2015 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH as a Emergency Fund Vehicle
Replies: 19
Views: 2195

Re: ROTH as a Emergency Fund Vehicle

I had CD's for a number of years as an Emergency fund, when I got to the point in life where an Emergency fund became unnecessary I moved the money over a number of years to a pair of Roths. In the event of a real emergency I could of course get the $ from the Roths, but really just figured it as an...
by Padlin
Sun Jan 18, 2015 2:36 pm
Forum: Investing - Theory, News & General
Topic: 5.6% stable value fund - what allocation?
Replies: 29
Views: 3214

Re: 5.6% stable value fund - what allocation?

I'd want to know as much about it as possible as it is abnormally high. That said, if it's kosher, and not some sort of variable annuity, I'd put all my fixed in it. The Stable Value I have access to is made up of insured bundled mortgages, been dropping very slowly over the years, in the vicinity o...
by Padlin
Sun Jan 18, 2015 2:26 pm
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 140
Views: 15745

Re: What is the international portion of your portfolio and

timboktoo wrote:
The tone people are using to describe international lately is telling, isn't it? It's almost as if we question why we're invested in it at all, after a short period of underperformance.

- Tim


Such is the way recency bias works.
by Padlin
Sun Jan 18, 2015 1:31 pm
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 140
Views: 15745

Re: What is the international portion of your portfolio and

goodenyou wrote:30% and declining. As international continues to perform poorly in comparison to US, and adding more to US only, international is becoming less a portion of my portfolio. Has there been a time where international has performed better than US? If so, when? TIA


Look at 2003 thru 08, roughly.
by Padlin
Sun Jan 18, 2015 10:18 am
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 140
Views: 15745

Re: What is the international portion of your portfolio and

30% of my Equities are International split 80% large 20% small per my ISP. Don't remember exactly why it was 30% as it was a good while ago, it came from reading a lot of Boglehead type books and this forum. I had good reason then, I'm not going to second guess it now.
by Padlin
Sat Jan 17, 2015 4:38 pm
Forum: Investing - Theory, News & General
Topic: How would you respond?
Replies: 28
Views: 4491

Re: How would you respond?

I've always found it absolutely amazing that a 401K is most folks largest asset, by far, and they know nothing about how to handle it. Worse, they don't seem to care. I'd frame your response towards ones who know next to nothing about what they are doing. Let them know that what they do has a huge i...
by Padlin
Sat Jan 17, 2015 10:27 am
Forum: Investing - Theory, News & General
Topic: How would you respond?
Replies: 28
Views: 4491

Re: How would you respond?

Thanks Livesoft, kind of like I imagined it, unfortunately.
by Padlin
Sat Jan 17, 2015 9:38 am
Forum: Investing - Theory, News & General
Topic: How would you respond?
Replies: 28
Views: 4491

Re: How would you respond?

Don't mean to sidetrack the thread but knowing who you are talking to could help fabricate a response. Does anyone know who makes up these committees? Are they appointed by company management, or maybe volunteers? Do they know much of anything about investing? How do they decide what funds to add? D...
by Padlin
Mon Jan 12, 2015 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for low cost cell phone plans...
Replies: 47
Views: 5875

Re: Looking for low cost cell phone plans...

Another PagePlus via Kitty wireless customer, runs us $12 a month per phone for 250/250 and 10mb data. Uses Verizon phones and network. Can see the plan options here http://www.kittywireless.com/pageplus/pageplusplans.html Kitty is coming out with their own system, as opposed to PagePlus, still Veri...
by Padlin
Mon Jan 12, 2015 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Planning Tax Withholding As Newlyweds - Spouse self-employed
Replies: 5
Views: 496

Re: Planning Tax Withholding As Newlyweds - Spouse self-empl

I do/did married with 0 exemptions, had to bump up my state (Mass) a bit though. Never had to do an estimated payment as this covered her PT work with room to spare and was as easy as it gets.
by Padlin
Sun Nov 09, 2014 7:05 am
Forum: Personal Consumer Issues
Topic: Great camera to take pics?
Replies: 44
Views: 7778

Re: Great camera to take pics?

Here's some used Sony's, been using B&H Photo for years without issue. These are the straight RX100's, not the RX100 III's.

http://www.bhphotovideo.com/c/used/869238?gclid=CjwKEAiAvvyiBRDzrYuuldy6wB8SJABPJWObEYJjmWbP0w1_lZdqeMs81tTZOK0SqFEUxr3tvliqfBoC7rzw_wcB
by Padlin
Thu Nov 06, 2014 8:14 pm
Forum: Personal Consumer Issues
Topic: Buying Pearls
Replies: 24
Views: 2835

Re: Buying Pearls

Did you try calling Mikimoto, there's a number to call for questions on their home page. FWIW, I went with American Pearl, only thing I didn't care for was the gift case they come in, kind of cheesy looking. For the money spent I expected something a little more classy. Pearls themselves were perfect.
by Padlin
Mon Nov 03, 2014 6:17 am
Forum: Personal Consumer Issues
Topic: Very few kids in our neighborhood-Thoughts?
Replies: 29
Views: 3779

Re: Very few kids in our neighborhood-Thoughts?

Sounds like a similar area. When we moved in it was a newish country neighborhood with smaller homes, hence it was mostly young couples just starting off with small kids. Fast forward 35 years. All the kids are grown up and gone leaving parents just reaching retirement age. Houses have grown in size...
by Padlin
Sun Oct 26, 2014 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 16190

Re: Gross Yearly Income needed in Retirement (Speculation)

Retired at 56, kind of a mid cost of living area, no debt. Combined pre-retirement gross income roughly $120k, expenses $60-65k. Post retirement net $60-65k. We're RVers, travel the country for a couple months, costs about the same as a couple low end weeks in the Caribbean and is part of the $60-65...
by Padlin
Tue Dec 24, 2013 6:50 am
Forum: Investing - Help with Personal Investments
Topic: Thinking about chucking it all and going Wellington
Replies: 72
Views: 8793

Re: Thinking about chucking it all and going Wellington

Kaiser, a very opening statement, thanks for the thread. Surprising results in the graphs seeing as how much the different allocations differ between fixed and equities, Larry's Fat Tails has a lot going for it. May have to try and do similar but adjusting each to be closer to ones comfort level. If...

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