Search found 4184 matches

by TheTimeLord
Wed Jun 28, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Cat teeth cleaning costs
Replies: 12
Views: 610

Re: Cat teeth cleaning costs

From my experience the blood test from your cat's annual exam can be used if the dental is done within 2 or 3 months of the exam. $202 sounds like the price for onsite blood tests that day instead of being sent out to a lab. The evaluation fee confuses me, don't understand what it is for (is it clea...
by TheTimeLord
Tue Jun 27, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 36277

Re: Regret early retirement/downsizing

Admittedly my "advice" is jaded since I am approaching retirement age (61) after a 20 + year career as a Registered Nurse. Most of my patients are in their later years with cardiac conditions, other vascular conditions which clearly diminish the quality of their lives, especially those wi...
by TheTimeLord
Mon Jun 26, 2017 3:55 pm
Forum: Investing - Theory, News & General
Topic: The 5 Pitfalls of Mutual Funds by,....
Replies: 22
Views: 1597

Re: The 5 Pitfalls of Mutual Funds by,....

Don't know why people are feeling defensive (didn't read the article or watch the video) but there are certainly issues with mutual funds. It just happens that the upsides usually outweigh the downsides. But here are some of the downsides: Additional expenses (expense ratio kind of stuff) Lots of b...
by TheTimeLord
Sat Jun 24, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Mediator for ownership division of primary home
Replies: 46
Views: 1447

Re: Mediator for ownership division of primary home

I must be misunderstanding because your mom's position she owns 80% seems totally unreasonable or she owes your stepdad a ton of back taxes and maintenance. What percentage of the purchase price was the down payment?
by TheTimeLord
Fri Jun 23, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: Worthwhile TV programming?
Replies: 55
Views: 3099

Re: Worthwhile TV programming?

If you are interested in learning a bit about cooking you might try the Food Network. Or try HGTV is you are interested in remodeling a house or just staring at The Property Brothers.

http://www.foodnetwork.com/

http://www.hgtv.com/
by TheTimeLord
Thu Jun 22, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: IRA friendly MLP's
Replies: 2
Views: 215

Re: IRA friendly MLP's

Are there any that don't require K-1 or have any other tax implications? Thanks Sam I believe you do not get K-1s for MLP ETFs, Mutual Funds or CEFs. Also there is a type of Kinder Morgan that while technically not a MLP may accomplish what you are looking for. Here is a link to an article describi...
by TheTimeLord
Thu Jun 22, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1.25% 11 month with no EWP
Replies: 104
Views: 12513

Re: Ally Bank 1.25% 11 month with no EWP

1.5% now for amounts larger than $25K . . . tempted. This is a healthy temptation. Some of us have already given in. Victoria So should people trade in their 1.25% Ally CDs and buy 1.5% Ally CDs? I have opened three $25k No-Penalty 11-month CDs within the last couple weeks. The one I opened on 10 J...
by TheTimeLord
Thu Jun 22, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 86
Views: 6073

Re: Your Favorite Portfolio Tilts

I like a U.S. Total Market tilt.
by TheTimeLord
Thu Jun 22, 2017 9:00 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 161
Views: 18632

Re: Roll Call for the Retirement Class of 2017!

The problem with all the extensive financial planning I have done in the past few months is it shows the benefit of delaying retirement by each additional month even without additional savings contributions(which would only increase the benefit). So while I no longer feel like I am in a One More Ye...
by TheTimeLord
Thu Jun 22, 2017 8:01 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 161
Views: 18632

Re: Roll Call for the Retirement Class of 2017!

The problem with all the extensive financial planning I have done in the past few months is it shows the benefit of delaying retirement by each additional month even without additional savings contributions(which would only increase the benefit). So while I no longer feel like I am in a One More Yea...
by TheTimeLord
Wed Jun 21, 2017 10:16 pm
Forum: Investing - Theory, News & General
Topic: What do BH think of this formula for an early retiree?
Replies: 26
Views: 3067

Re: What do BH think of this formula for an early retiree?

The TL. Do you have a specific retirement date declared? I do not. I have a date I use for planning purposes and calculating the amount of Fixed income needed to execute my plan. If I go past that I can use a new date to plan or use the additional Fixed Income to increase the monthly withdrawal amo...
by TheTimeLord
Wed Jun 21, 2017 9:04 pm
Forum: Investing - Theory, News & General
Topic: What do BH think of this formula for an early retiree?
Replies: 26
Views: 3067

Re: What do BH think of this formula for an early retiree?

Instead of "What do BH think of . . ." can you explain what problem you are trying to solve and what the rationale for your solution is? This is nothing that hasn't been stated before but I will reiterate. My top priority is guaranteeing (as much as anything can be guaranteed in a world w...
by TheTimeLord
Wed Jun 21, 2017 8:59 pm
Forum: Investing - Theory, News & General
Topic: What do BH think of this formula for an early retiree?
Replies: 26
Views: 3067

Re: What do BH think of this formula for an early retiree?

OP appears to be Setting Aside funds needed for expenses prior to FRA. These funds go into fixed income, either bonds or CDs. I don't particularly like this approach and it's not what I'm doing. I retired at 63 with seven years to span before SS at 70. I annuitized a portion of my accumulation at t...
by TheTimeLord
Wed Jun 21, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 36277

Re: Regret early retirement/downsizing

VictoriaF wrote:
TheTimeLord wrote:Wishing you many happy adventures.


Thank you. I am wishing you and your wife many happy adventures too! I hope you start your adventures soon,

Victoria


Thank you. We have been very fortunate and have had the ability to participate in adventures throughout our work lives.
by TheTimeLord
Wed Jun 21, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: advise on three fund portfolio
Replies: 5
Views: 393

Re: advise on three fund portfolio

Alert from who?
by TheTimeLord
Wed Jun 21, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 36277

Re: Regret early retirement/downsizing

I'll still take "bored and free" over "bored at work" any day though. I'll take "bored at work and paid enough to enjoy my time off" over "bored and unemployed 7 days a week" any day. "unemployed" means something much different than "retired&qu...
by TheTimeLord
Wed Jun 21, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 36277

Re: Regret early retirement/downsizing

Personally I think a 3 day work week would be perfection. It works for some, but I am strongly averse to part-time work of any kind in retirement. Retirement is my time. I control what I do every hour, every day, every part of a year. I travel when I wish, wherever I wish. I take courses that happe...
by TheTimeLord
Wed Jun 21, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 36277

Re: Regret early retirement/downsizing

Question for those who retired "early". I am 61 and considering retirement (I can do it financially :happy ). Some writers on the subject say that you shouldn't just retire from something, you should have something to retire to. I have in mind the usual suspects: reading, volunteering, so...
by TheTimeLord
Tue Jun 20, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Legal options when merchant and credit card [take advantage of you]
Replies: 7
Views: 1374

Re: Legal options when merchant and credit card [take advantage of you]

Why would you refuse delivery instead of using the RMA included with the merchandise or get a RMA from the merchant. Seems like refusing delivery might have compromised their ability to track the purchase. How do you know it was actually returned and not stuck in a warehouse?
by TheTimeLord
Tue Jun 20, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1.25% 11 month with no EWP
Replies: 104
Views: 12513

Re: Ally Bank 1.25% 11 month with no EWP

VictoriaF wrote:
jst wrote:1.5% now for amounts larger than $25K . . . tempted.


This is a healthy temptation. Some of us have already given in.

Victoria


So should people trade in their 1.25% Ally CDs and buy 1.5% Ally CDs?
by TheTimeLord
Tue Jun 20, 2017 8:43 pm
Forum: Investing - Theory, News & General
Topic: "Waiting for the Market to Crash is a Terrible Strategy"
Replies: 27
Views: 4305

Re: "Waiting for the Market to Crash is a Terrible Strategy"

Not commenting on if the strategy is good or bad but to call 10% a crash is ridiculous and probably the devil in the details of how the author made their case especially given the fact we have had a few almost 10% dips in the current bull market. I would like to see the data run with both 5%, 20% an...
by TheTimeLord
Tue Jun 20, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 36277

Re: Regret early retirement/downsizing

Question for those who retired "early". I am 61 and considering retirement (I can do it financially :happy ). Some writers on the subject say that you shouldn't just retire from something, you should have something to retire to. I have in mind the usual suspects: reading, volunteering, so...
by TheTimeLord
Tue Jun 20, 2017 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 36277

Re: Regret early retirement/downsizing

... Technically, we haven't retired yet--but our ~2 years of notice runs out next month. We are retiring to travel. Only have relatively detailed plans for 2 trips encompassing 5 months (2 this year, 3 next),.... Any live aboard trips planned? Right now, just 10 days on Naia in Fiji, and another 9 ...
by TheTimeLord
Tue Jun 20, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3515

Re: Do Bonds have a place if basic expenses are covered by income streams?

If SS, pension and/or annuities will cover your basic living expenses in retirement so that you would only need to tap your portfolio for some travel, new roofs or emergencies is there a reason to hold bonds at that point? With no concern about retirement living expenses, then why not the Warren Bu...
by TheTimeLord
Tue Jun 20, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 36277

Re: Regret early retirement/downsizing

Question for those who retired "early". I am 61 and considering retirement (I can do it financially :happy ). Some writers on the subject say that you shouldn't just retire from something, you should have something to retire to. I have in mind the usual suspects: reading, volunteering, so...
by TheTimeLord
Tue Jun 20, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 36277

Re: Regret early retirement/downsizing

Question for those who retired "early". I am 61 and considering retirement (I can do it financially :happy ). Some writers on the subject say that you shouldn't just retire from something, you should have something to retire to. I have in mind the usual suspects: reading, volunteering, so...
by TheTimeLord
Tue Jun 20, 2017 1:36 pm
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3515

Re: Do Bonds have a place if basic expenses are covered by income streams?

If SS, pension and/or annuities will cover your basic living expenses in retirement so that you would only need to tap your portfolio for some travel, new roofs or emergencies is there a reason to hold bonds at that point? With no concern about retirement living expenses, then why not the Warren Bu...
by TheTimeLord
Tue Jun 20, 2017 1:28 pm
Forum: Investing - Theory, News & General
Topic: What do BH think of this formula for an early retiree?
Replies: 26
Views: 3067

Re: What do BH think of this formula for an early retiree?

I was saying "it may very well be" since it is a matter of choice. He has chosen 80/20, but there is no real reason why (or why not); his expenses are provided for. There is a recent support on increasing bond allocation towards the beginning of retirement, only to decrease it later, whic...
by TheTimeLord
Tue Jun 20, 2017 10:38 am
Forum: Investing - Theory, News & General
Topic: What do BH think of this formula for an early retiree?
Replies: 26
Views: 3067

What do BH think of this formula for an early retiree?

What do BH think of this formula for an early retiree who will have his basic living expenses covered by SS, pension and annuities at FRA? TotPort = Total Portfolio Value (1,200,000) BasMonExp = Basic Monthly Expenses including taxes (6,000) MonToFRA = Months to FRA (120) ExpSet = Expenses Set Aside...
by TheTimeLord
Tue Jun 20, 2017 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Collecting Dividends, Waiting for Market Drop?
Replies: 25
Views: 1879

Re: Collecting Dividends, Waiting for Market Drop?

Who told you there was going to be a crash? If you are relatively young, just keep investing and reinvest those dividends. If you are near retirement, it might be time to de-risk your portfolio a bit, going beyond normal rebalancing. Ever since I started investing in 1984, I regularly read articles...
by TheTimeLord
Tue Jun 20, 2017 9:07 am
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3515

Re: Do Bonds have a place is basic expenses covered by income streams?

>........... Second a full genetic health assessment (approximately $25,000) which could greatly influence my health and well being going forward. I already have sort of an example of this in my life today. While many of the people I know won't even do their annual physical, thanks to our income le...
by TheTimeLord
Tue Jun 20, 2017 8:57 am
Forum: Investing - Theory, News & General
Topic: FireCalc: Equities almost 70% for a 20 year term???
Replies: 43
Views: 3571

Re: FireCalc: Equities almost 70% for a 20 year term???

I was assuming some SS income and therefore an appx 4% withdrawal rate in either case. But: For a 70 YO with $10m in assets, a 4% SWR would be 400k per year. This hypothetical person is not going to run out of money, period. I don't care how it's invested. Even assuming they were taking only from t...
by TheTimeLord
Mon Jun 19, 2017 2:45 pm
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3515

Re: Do Bonds have a place if basic expenses are covered by income streams?

Why? You seem to be supposing some razor thin scenario and discounting the possibility of the stocks gains before pulling back in the bear market. Also if as in the scenario you have a 7 digit equity portfolio aren't you likely to be getting at least $15,000-$20,000 a year in dividends you could ut...
by TheTimeLord
Mon Jun 19, 2017 1:32 pm
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3515

Re: Do Bonds have a place if basic expenses are covered by income streams?

Three things come to mind: 1. Why take risks that you do not need to take? 2. If you have already won the game, why keep playing? 3. Once you have achieved FI, preservation of capital becomes more important than growth of capital. 1) Why avoid risk that won't harm you? 2) Why as long as you aren't ...
by TheTimeLord
Mon Jun 19, 2017 1:28 pm
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3515

Re: Do Bonds have a place if basic expenses are covered by income streams?

From your perspective what purpose are the Bonds serving? Your expenses are covered so the fluctuations in your portfolio would not be effecting your lifestyle, so what is the utility of that 70% giving you? Why would it matter if you had to sell stocks in a down market? Just trying to understand p...
by TheTimeLord
Mon Jun 19, 2017 1:25 pm
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3515

Re: Do Bonds have a place if basic expenses are covered by income streams?

If SS, pension and/or annuities will cover your basic living expenses in retirement so that you would only need to tap your portfolio for some travel, new roofs or emergencies is there a reason to hold bonds at that point? Is there any reason to hold stocks at this point? Yes, exactly. The answer i...
by TheTimeLord
Mon Jun 19, 2017 10:30 am
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3515

Re: Do Bonds have a place if basic expenses are covered by income streams?

If SS, pension and/or annuities will cover your basic living expenses in retirement so that you would only need to tap your portfolio for some travel, new roofs or emergencies is there a reason to hold bonds at that point? Is there any reason to hold stocks at this point? Probably depends on your v...
by TheTimeLord
Mon Jun 19, 2017 10:28 am
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3515

Re: Do Bonds have a place if basic expenses are covered by income streams?

If SS, pension and/or annuities will cover your basic living expenses in retirement so that you would only need to tap your portfolio for some travel, new roofs or emergencies is there a reason to hold bonds at that point? Is there any reason to hold stocks at this point? Probably depends on your v...
by TheTimeLord
Mon Jun 19, 2017 10:23 am
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3515

Re: Do Bonds have a place if basic expenses are covered by income streams?

If SS, pension and/or annuities will cover your basic living expenses in retirement so that you would only need to tap your portfolio for some travel, new roofs or emergencies is there a reason to hold bonds at that point? Is there any reason to hold stocks at this point? Yes, exactly. The answer i...
by TheTimeLord
Mon Jun 19, 2017 10:18 am
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3515

Re: Do Bonds have a place if basic expenses are covered by income streams?

If SS, pension and/or annuities will cover your basic living expenses in retirement so that you would only need to tap your portfolio for some travel, new roofs or emergencies is there a reason to hold bonds at that point? Is there any reason to hold stocks at this point? Probably depends on your v...
by TheTimeLord
Sun Jun 18, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 36277

Re: Regret early retirement/downsizing

Different people are different. If I had had the money, I could have happily retired at age 24. I'm a creative person who can write, make music, pursue publishing and countless other projects. I don't get my energy or motivation from social situations or other people. I don't need or want validatio...
by TheTimeLord
Sun Jun 18, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3515

Re: Do Bonds have a place is basic expenses covered by income streams?

Thanks to everyone for their thoughtful responses. It really helped me work through the issue in my mind. The image below indicates how I am feelings after reading through the responses in this thread. I always find it helpful to consider varying perspectives. https://rubiks-cube-solver.com/images/h...
by TheTimeLord
Sun Jun 18, 2017 9:20 am
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3515

Re: Do Bonds have a place is basic expenses covered by income streams?

Some who are like this and desire the risks and returns of 100% stocks say they hold 90% stocks and 10% bonds, with the stocks tilted to small or value. Risk of 100% stocks is very high but at least these people have bonds to turn to when the roof caves in. I really don't think there is a right or ...
by TheTimeLord
Sun Jun 18, 2017 8:51 am
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3515

Re: Do Bonds have a place is basic expenses covered by income streams?

Given the premise that pension and social security is greater then living expenses, is their a substantial need for fixed income assets or is it a desire to achieve a psychological comfort level? I would add one admonition, don't undervalue the ability to sleep well at night. Whether you believe it...
by TheTimeLord
Sun Jun 18, 2017 8:44 am
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3515

Re: Do Bonds have a place is basic expenses covered by income streams?

I know quite a few retirees with pensions and social security that more than cover their expenses who hold bond funds and/or CDs so there must be. Not saying there isn't, just would like to understand the different perspectives and rationales on why or why not so I can see what best fits the way I ...
by TheTimeLord
Sun Jun 18, 2017 8:42 am
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3515

Re: Do Bonds have a place is basic expenses covered by income streams?

A retiree with a pension for most of their expenses has a high ability to take risk. If they have a high risk tolerence they have a high willingness to take risk. Do they have a high need to take risk? Likely no - so they shouldn't be 100% stock. If they have almost no need to take risk they should...
by TheTimeLord
Sun Jun 18, 2017 8:25 am
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3515

Re: Do Bonds have a place is basic expenses covered by income streams?

One could contemplate a stock/cash portfolio with a lot in stocks, a good bit in cash, and no bonds. 100% stock, with the stock intended to be used to do do things like emergency roof repair if the roof caves in, risks having to sell stocks at the bottom of the market. What if the roof caves in in ...
by TheTimeLord
Sun Jun 18, 2017 8:20 am
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3515

Re: Do Bonds have a place is basic expenses covered by income streams?

If SS, pension and/or annuities will cover your basic living expenses in retirement so that you would only need to tap your portfolio for some travel, new roofs or emergencies is there a reason to hold bonds at that point? What do you think? What would the consequences for you be if your portfolio ...
by TheTimeLord
Sun Jun 18, 2017 8:06 am
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3515

Re: Do Bonds have a place is basic expenses covered by income streams?

I know quite a few retirees with pensions and social security that more than cover their expenses who hold bond funds and/or CDs so there must be. Not saying there isn't, just would like to understand the different perspectives and rationales on why or why not so I can see what best fits the way I ...

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