Search found 208 matches

by hulburt1
Thu Aug 17, 2017 8:34 pm
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 2373

Re: popcorn ceiling, removal or drywall over it?

Had it done in family room. the sheet rock and taped, spade $1200. 24x24 room he even did the walls. It looks really nice. I did my kitchen and it was a mess. still does not look good.
by hulburt1
Thu Aug 17, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 120
Views: 4572

Re: Is it worth it? [demanding jobs vs time with family]

Who is going to remember you. Your Job or family...There is not a person on their death bed wish they worked more but a lot with they had spent more time with family
by hulburt1
Wed Aug 16, 2017 10:00 am
Forum: Investing - Theory, News & General
Topic: what was the actual return of BND last year?
Replies: 19
Views: 1750

Re: what was the actual return of BND last year?

If I had a 1m in bonds I would have made 24,900 than paid tax on that.
by hulburt1
Mon Aug 14, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Wife 1m to vanguard
Replies: 10
Views: 2244

Re: Wife 1m to vanguard

My wife is a nurse worked pastime all her life. She started at 25 and she put in about 150 a pay period. We have been in the stock market all the time. She never made more then $55000. We saved and paid cash. I run her money. I was a part time FedEx driver. We just saved. Our house was paid off in 8...
by hulburt1
Mon Aug 14, 2017 6:32 am
Forum: Investing - Help with Personal Investments
Topic: Wife 1m to vanguard
Replies: 10
Views: 2244

Wife 1m to vanguard

Wife is 61 and will be moving 1m this week to from principle to vanguard. This is her retirement money. She will wait until 70 to start taking money plus will start taking SS. Her family live to 90+. She will be staring in the money market fund then move slow to S&P, total market and some bonds. She...
by hulburt1
Wed Aug 02, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: A poll: How much money do you want to retire?
Replies: 270
Views: 21078

Re: A poll: How much money do you need to retire?

At 60 I thought 1m. I'm 64 and have 2.2m. Have not worked for 10 years but have increased my retirement by 1.3m. I'm happy.
by hulburt1
Sat Jul 29, 2017 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate your retirement number
Replies: 95
Views: 8696

Re: How to calcuate your retirement number

Well I'm going to die at 80. ... How did you find that out?? The biggest unknown in the calculation is the age I'll assume room temperature. If I knew that number for certain, the calculation would be much simpler. Parents die at 66 and 70..I think I will make it to 80. If I make it past then it wi...
by hulburt1
Sat Jul 29, 2017 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate your retirement number
Replies: 95
Views: 8696

Re: How to calcuate your retirement number

Well I'm going to die at 80. ... How did you find that out?? The biggest unknown in the calculation is the age I'll assume room temperature. If I knew that number for certain, the calculation would be much simpler. Parents die at 66 and 70..I think I will make it to 80. If I make it past then it wi...
by hulburt1
Sat Jul 29, 2017 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate your retirement number
Replies: 95
Views: 8696

Re: How to calcuate your retirement number

Well I'm going to die at 80. So I divide 1.2m by 16=$75000+pension=11000, ss=24000==110,000 a year.
Wife=90 her family never dies-1.2=at 65=48000-ss26000=74,000= total 184,000 a year
We live on 65000 a year. I think I'll start spending more.
I'm 64-wife61
by hulburt1
Sat Jul 29, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Medicare Plan F and Part D: Use a Broker or Not?
Replies: 19
Views: 1499

Re: Medicare Plan F and Part D: Use a Broker or Not?

Thanks for all the information. I'm just starting the prosed. Is there a article that has all the parts. Plus my wife has insurance that might cover some of the parts. I know what I need now but not what I need in the future.
by hulburt1
Fri Jul 28, 2017 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: 10 years of Roth IRA contributions - to individual stocks
Replies: 10
Views: 1217

Re: 10 years of Roth IRA contributions - to individual stocks

I'm in Facebook. With Roth and Ira. I would not sell Facebook. I'm up $400000 in 3 years. I'm 64. So Facebook is 30% of my investments. I think I would kick myself in 5 years if I sold now. I do keep and eye on it.
by hulburt1
Thu Jul 27, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: Part-Time Job who ?
Replies: 11
Views: 1777

Re: Part-Time Job who ?

I retired 10 years ago. But for the last 23 years I coach track and cross country. I had worked for fedx. Like the high school kids and they keep me thinking and laughing.
by hulburt1
Mon Jul 24, 2017 7:48 am
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 8295

Re: Anyone else extremely frugal?

I lived frugal all my life. I go to Walmart at the end of summer to buy my summer cloths. I had the same shoes for 4 years. walking down a hill fell no soles. 4 years later I slipped and broke a rib. My new shoe cost $29. I have 4 cars (04,05,95,72) all run. I'm 64 and still have a $100 weekly allow...
by hulburt1
Wed Jul 19, 2017 10:35 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1403
Views: 250712

Re: What are you up YTD? [Year To Date]

98stock 2 cash.
Have Facebook-

25% up 240000
wife up 12 up 120000

Funny thing is I live on $60000.
Wife works I very little.
we went by 2300000 like it was standing still--I'm 64 and wife 61.
by hulburt1
Mon Jul 17, 2017 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Need clarification after reading Boglehead page on reinvesting taxable dividends or not
Replies: 10
Views: 834

Re: Need clarification after reading Boglehead page on reinvesting taxable dividends or not

I think age and retirement matters. I have my dividends go to money market fund and have a monthly amount sent to bank. I am now moving dividends to a Roth and having the dividends from Roth sent to me monthly tax free also.. I'm living on dividends from my Ira and Roth.
by hulburt1
Wed Jul 12, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: bob brinker on Roth [conversion]
Replies: 26
Views: 3226

bob brinker on Roth [conversion]

Bob told a caller not to convert from Ira to Roth until after congress come out with new tax levels. Is that good advice?
by hulburt1
Sat Jul 08, 2017 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Roth what fund
Replies: 4
Views: 374

Re: Roth what fund

I'm moving money over for about 6 years and my wife will move over for 8 years. About 250000.
by hulburt1
Sat Jul 08, 2017 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Roth what fund
Replies: 4
Views: 374

Roth what fund

I'm moving money from Ira to my Roth. I'm 64 and have 2m+ What fund would you put the money in. Vanguard 500 Index Fund Admiral Class Vanguard Extended Market Index Fund Vanguard Total Stock Market Index Fund Admiral Shares I will not touch this until I'm 70- and start taking out 2000 a month tax fr...
by hulburt1
Fri Jul 07, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Illinois Partial Year tax increase
Replies: 19
Views: 2726

Re: Illinois Partial Year tax increase

move to South Dakoda.
by hulburt1
Mon Jul 03, 2017 12:56 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1403
Views: 250712

Re: What are you up YTD? [Year To Date]

about 98% in stock up 20% for this year. I'm 64 and happy with what I have. Facebook helped.
by hulburt1
Sun Jul 02, 2017 2:09 pm
Forum: Investing - Theory, News & General
Topic: A plan for retirement withdrawal--opinions, please
Replies: 20
Views: 2066

Re: A plan for retirement withdrawal--opinions, please

This is my plan I'm 64-w61-She works. Just me... I'm retired now. Take 1300 ira-including tax in paid. pension 800, -I'm right now building up my Roth so I will have 120000 tax free and will take 1000 a month for 10 years at 70. Will wait until 70 for SS-2000. I'm in 95% stocks- SP, Total stock, hea...
by hulburt1
Sat Jul 01, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 13274

Re: Bogleheads: you should be buying 10-year old cars

If you buy new and spend 30,000 and hold on 20 will cost $1500 a year. If you have a old car insurance is cheaper and should have AAA for towing.
by hulburt1
Sat Jul 01, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 13274

Re: Bogleheads: you should be buying 10-year old cars

I like to buy 2 to 3years old. I run my cars until there dead. I now have 4 cars( age. 48 vw, 23,18,10. All run. Now I do not take them on trips I'll rent a car. This year rented a 1month for $548. Unlimited mileage. We go every where we want. This year over 10,000miles. Save my cars for going down ...
by hulburt1
Wed Jun 28, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 12344

Re: How did you handle the costs of your child's wedding?

denovo wrote:
hulburt1 wrote:Reno I pay


Not Vegas?

Live in Oregon it was closer.
by hulburt1
Fri Jun 23, 2017 5:26 pm
Forum: Investing - Theory, News & General
Topic: Not reinvesting dividends
Replies: 22
Views: 3486

Re: Not reinvesting dividends

I put in money fund then move to Roth. Once my Roth fund is turning in 1000 a month I will use my Roth dividends to live in tax free.
by hulburt1
Mon Jun 19, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 51
Views: 6698

Re: Anyone use "MyPillow" pillows?

I thought they were fake. Until my son and wife bout one. After putting them in the dryer they love them. We ordered 2 more.
by hulburt1
Tue May 30, 2017 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 165
Views: 24164

Re: What do you guys do on the side?

I'm64 I'm retired but I coach track and x-c at the local High School. 22 years. I have never been a teacher. Work about 8 months make about 10000.
I'm the head coach so I can decide if we are going to practice. These kids are grate to be around.
by hulburt1
Sun May 28, 2017 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Hot Stocks Can Make You Rich. But They Probably Won't. By Jeff Sommer
Replies: 5
Views: 1265

Re: Hot Stocks Can Make You Rich. But They Probably Won't. By Jeff Sommer

I bought Facebook when it came out I'm up 500000 in 3 years. I did lose in 4 others. All small. I'm still a S&P and total market person.
by hulburt1
Thu May 25, 2017 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: When does Saving become missing out on life?
Replies: 74
Views: 8920

Re: When does Saving become missing out on life?

I did a lot of miss out things up to 55. Got hurt on job, If I did not save so much I would have been in big trouble The last 10 years-I did everything that I might have mist out of. I do not regret not doing some of the thing but now I can. There is a big life after 55.
by hulburt1
Thu May 25, 2017 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversions Post Retirement
Replies: 19
Views: 2043

Re: Roth Conversions Post Retirement

I just ran all my numbers along with wife. When she hits 70, Ill be 73. With ss-56000, RMD-we will have about 3m- and a pension-we will be around 160000- at 80 we will be at 220000. I'm at 15% now I might just move up to 25% and hit the Roth hard. I'm 64 wife 61, she still works. I saved all my life...
by hulburt1
Thu May 25, 2017 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Avoiding Taxes with RMD
Replies: 59
Views: 7247

Re: Avoiding Taxes with RMD

I just ran all my numbers along with wife. When she hits 70, Ill be 73. With ss-56000, RMD-we will have about 3m- and a pension-we will be around 160000- at 80 we will be at 220000. I'm at 15% now I might just move up to 25% and hit the Roth hard. I'm 64 wife 61, she still works. I saved all my life...
by hulburt1
Wed May 24, 2017 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 16001

Re: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)

Not sure now after listing to everyone. I have enough to live to 100 without SS. I still live like I have little money. Sense I turned 62 I take what I would get from SS and use it. I will do the same with my wife when she retires. We will wait until 70 and get 44,000 a year. we live now on 60000. W...
by hulburt1
Sun May 21, 2017 10:21 am
Forum: Investing - Theory, News & General
Topic: What % of your income have you converted to wealth?
Replies: 133
Views: 17529

Re: How many Bogleheads have investment assets that exceed their cumulative lifetime earned income?

My wife and I have never made more then $90000 to together. In the last 5 years our investment have made close to 1m. Right now we are at 230000 for the year and only live on 60000.
by hulburt1
Sat May 20, 2017 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Learning how to spend
Replies: 27
Views: 2824

Re: Learning how to spend

I'm 64 I don't get excited when I buy something. I get really happy when I hit a money goal. I do travel a lot. I love meeting new people. When I'm on the road I will sometime pole over and yell and do a little dance looking at the mountains or a lake. It's the same feeling I get when I hit a new le...
by hulburt1
Sat May 20, 2017 7:06 am
Forum: Investing - Theory, News & General
Topic: Interesting conversation with an alleged SS actuary
Replies: 63
Views: 5657

Re: Interesting conversation with an alleged SS actuary

If you think about it. If you die at 73. All that waiting and 7% you made on ss will go to someone who might not have saved but will get ss while you had spent your Ira that could have made 8% for you your family and you. Plus You don't pay state tax and you do it you take out of your Ira. Lets face...
by hulburt1
Thu May 18, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Learning how to spend
Replies: 27
Views: 2824

Re: Learning how to spend

I'll ask my wife she knows how to spend. I was in the same boat saved 35 years. I'm 64 and still have a allowance same as 10 years ago. I started to take 2 yearly trips. force myself to do things. I still save but I take 10% every year of what I make from my accounts and use it on trips. I don't buy...
by hulburt1
Thu May 18, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Bond Market Index Fund Admiral Shares
Replies: 3
Views: 676

Vanguard Total Bond Market Index Fund Admiral Shares

I'm moving money from IRA to Roth. Looking at about 1m in 3 years from now. I then would have it in Vanguard Total Bond Market Index Fund Admiral Shares. How much could I expect yearly to kick out tax free. I was thinking of leaving it there until I die. This is 1/2 of my Ira. I've been 95% in stock...
by hulburt1
Wed May 17, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Help, pay off house or invest?
Replies: 34
Views: 2878

Re: Help, pay off house or invest?

I had paid off my house in 7 years. I was still investing but once house gone was able to put a lot more in funds. 10 years ago I got hurt, wife lost her job after 30 years as a rn. But we had a home and was able to make it. We would have lost everything if we had a house payment. Now 10 years later...
by hulburt1
Wed May 17, 2017 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Delay SS, but claim if market plunges
Replies: 49
Views: 4630

Re: Delay SS, but claim if market plunges

That's kind of my plan. I have 2m but only need $60000. I'm at 64. What I'm doing now is taking out what my SS would be from my Ira. I'm also converting same amount to Roth. I like to have dividends put into money market then use that to convert and live on or reinvest. I'm not really working so I'm...
by hulburt1
Wed May 17, 2017 7:23 am
Forum: Investing - Help with Personal Investments
Topic: ROTH Conversion Goal
Replies: 13
Views: 969

Re: ROTH Conversion Goal

I'm converting now. My income is $60000 now but in 6y at 70 it will be about $150000. That's with 2m Ira, 44000ss and small pension. When I'm gone wife will be at 120,000. I'm putting in up to top of 15% tax bracket. I'm hoping to convert $500000 by 70.
by hulburt1
Tue May 16, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Article: "Our emergency fund is exactly $0.00"
Replies: 73
Views: 8206

Re: Article: "Our emergency fund is exactly $0.00"

I'm 64. I have $0. I do have a house paid off, can get $50000 tomorrow at the bank. I have never had a emergency fund.
by hulburt1
Sun May 14, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 38827

Re: Regret early retirement/downsizing

I had a plan to retire at 60. But got hurt and decided that at 55 I didn't want to work anymore. I now take trips every 6 months. I drive for a month to some where new. Driving to Alaska for the second time in 2 years. I coach track and xc at the locale high school six months a year. and have the re...
by hulburt1
Thu May 11, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice for retirees (age 69, perhaps $3 MM) that are unhappy with their advisors
Replies: 34
Views: 3093

Re: Seeking advice for retirees (age 69, perhaps $3 MM) that are unhappy with their advisors

If they are paying 2% on 3m. That's 60000 a year. in 10 years 600000. You just put his kids 4 years Harvard and you are getting what?
by hulburt1
Tue May 09, 2017 12:27 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1403
Views: 250712

Re: What are you up YTD? [Year To Date]

95+stock have Facebook up 21% or $220000-enough to live on for 4 years.
by hulburt1
Mon May 08, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Solid justification for including all stocks & NO bonds?
Replies: 143
Views: 7050

Re: Solid justification for including all stocks & NO bonds?

I sold all my bonds last week. I'm 95 stock and 5 cash. I could lost half and still live well. Remember I own the S&P, total stock, health fund, primecap and face book. 40+ years of investing I've seen it all. The only this is I'm putting my dividends into cash. I'm 64
by hulburt1
Sun May 07, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: non hardship 401k rollover to Ira
Replies: 5
Views: 397

Re: non hardship 401k rollover to Ira

She has a IRA and Roth this will go into a IRA. she will not move to a Roth for 4 to 5 years I'm moving some right now from a Ira to my Roth. I'm 64.
She wants to work until 66. I'm not working.