Search found 1608 matches

by island
Sat Mar 18, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: rewriting will
Replies: 17
Views: 1072

Re: rewriting will

Does seem extreme. A new baby upsets the balance and it might take several years to come to a new equilibrium. I have no idea what has caused the rift in the OP's situation. But, I have most often seen this scenario when the grandmother chooses to apply her own opinions on child rearing instead of ...
by island
Sat Mar 18, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: rewriting will
Replies: 17
Views: 1072

Re: rewriting will

Slow down. Sounds like new baby is only on the scene for about a year? If so why not try to be understanding while the parents find their way and adjust themselves? Have you or your spouse talked to his son about how you feel? Are you sure these slights are intentional? I know many couples who just ...
by island
Sun Mar 05, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Describe your Reasonable Dream Home
Replies: 51
Views: 3013

Re: Describe your Reasonable Dream Home

Ocean view home in San Diego County short walking distance to a swimable beach that isn't surrounded by tourist or seasonal rentals. It doesn't exist so the rest of my dream home details don't matter. Anyone else care to share WHERE there dream home is located? What town(s), state(s)? +1. Where is ...
by island
Sun Mar 05, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: Describe your Reasonable Dream Home
Replies: 51
Views: 3013

Re: Describe your Reasonable Dream Home

Ocean view home in San Diego County short walking distance to a swimable beach that isn't surrounded by tourist or seasonal rentals. It doesn't exist so the rest of my dream home details don't matter.

Anyone else care to share WHERE there dream home is located? What town(s), state(s)?
by island
Sun Mar 05, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should federal employee communicate 18 months to retirement?
Replies: 44
Views: 3160

Re: Should federal employee communicate 18 months to retirement?

Nope for the same reasons Mortfree mentioned. Plus the last sentence of your post indicates there is no upside for any of your coworkers by you announcing it now. There is just too much that can happen over 18 months. Your employer could decide to let you go sooner knowing you have one foot out the ...
by island
Sat Mar 04, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Why can't I save enough to have decent vacation or restaurant meal
Replies: 125
Views: 10875

Re: Why can't I save enough to have decent vacation or restaurant meal

3 pages, over 100 posts and Saddle Up hasn't been back since posting his OP.
Must have saddled up and rode off into the sunset. Or maybe took some suggestions and found enough cash to take a decent vacation now. 8-)
by island
Fri Mar 03, 2017 3:08 am
Forum: Personal Consumer Issues
Topic: Family Hounding me to Purchase SUV or Minivan
Replies: 61
Views: 3796

Re: Family Hounding me to Purchase SUV or Minivan

Wow what a silly thing to hound you about! Why do they care, are they in the auto biz? :annoyed If that's what they talk about among themselves how sad is that? Just tell them to mind their business, you're tired of hearing their opinions about your vehicles. No song and dance or can't afford it BS....
by island
Sat Feb 18, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on girlfriend debt/finances
Replies: 82
Views: 7235

Re: Need advice on girlfriend debt/finances

Why is she only working 25 hours a week?
by island
Thu Feb 16, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Convince Wife for Honda Odyssey
Replies: 48
Views: 2767

Re: Convince Wife for Honda Odyssey

If you want a mini van, you get it and drive it and let her choose what she wants to drive.
by island
Thu Feb 16, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: How long do you keep your kitchen sponge?
Replies: 44
Views: 3614

Re: How long do you keep your kitchen sponge?

UncleBen wrote:Sponges are gross..


Agree. I don't use them in the kitchen
by island
Sun Feb 12, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans? (Update, Pg 3)
Replies: 123
Views: 13734

Re: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans? (Update, Pg 3)

I'm confused about "update page 2" and "update page 3" - what does that mean? How can I find just the updates? I don't want to read the entire thread again. Just read backwards on pg 3 to find the OPs February 2017 post. Also I think you can click on the OPs username to find cur...
by island
Sat Feb 11, 2017 12:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 288
Views: 12788

Re: Your USER NAME...what does it mean?

Nothing exotic here. I like islands and I love island vacations, preferably with fabulous tropical beaches, the more deserted the better. 8-)

Great thread. Always thought artic pineapple and myopic squirrel would be good band names.
by island
Sun Feb 05, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Income Drop / Social Security Benefits
Replies: 5
Views: 876

Re: Income Drop / Social Security Benefits

I 've wondered about this too.
Have you checked what your estimated benefit would be based on your current record? If it already shows you would receive the max, wouldn't it stay that way even if you continue to work at a reduced salary?
by island
Sun Feb 05, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: mattresses and alcohol (bourbon, scotch, whiskey)
Replies: 45
Views: 3863

Re: mattresses and alcohol (bourbon, scotch, whiskey)

Imageek2 wrote:"Mattresses and Alcohol" is a pretty good band name. :happy

Ha, yes!
by island
Sun Jan 29, 2017 9:57 pm
Forum: Personal Consumer Issues
Topic: Please tell me if I can afford this Porsche
Replies: 81
Views: 5298

Re: Please tell me if I can afford this Porsche

Of course you can, go for it, but wouldn't you like those student loans gone first? Then you could really celebrate.
Only question that remains is what color? :D
by island
Sun Jan 29, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: where to retire?
Replies: 63
Views: 6112

Re: where to retire?

73 degrees today and sunny. Did a nice run along the beach bluffs and dropped down to the beach for another couple of miles as I watched a pod of dolphins work the coast, one picking a nice wave to surf. I'll pay the tax and keep my house, friends, and other connections. After all, THIS is why I sa...
by island
Sun Jan 29, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: where to retire?
Replies: 63
Views: 6112

Re: where to retire?

Not many bugs in NJ, just fyi. One good hard freeze in winter seems to doom them. Agree. Originally from PA and always looked forward to family vacations at the NJ Shore every summer. However now I'm spoiled by no mosquitos and rarely see a fly, but now that I think of it, ants were a pita last sum...
by island
Sun Jan 29, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains Tax on selling your house
Replies: 11
Views: 1047

Re: Capital Gains Tax on selling your house

OP thanks for posting. I've been thinking about this recently too. We've owned the same home since '88 and have made many improvements over the years and have some questions about capital gains. If I've completely updated, changed or improved areas of my home or property more than once: kitchen, bat...
by island
Sun Jan 29, 2017 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Spouse's Old IRA, Help Please?
Replies: 7
Views: 717

Re: Spouse's Old IRA, Help Please?

All are viable options, but if it was mine, I'd go with rolling it into my current 401K if employer allowed it and if had good fund choices. It's not a lot of $, but moving it to the 401K would simplify things, one less account to keep track of. I wouldn't want an IRA because that would get in the w...
by island
Sun Jan 29, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: where to retire?
Replies: 63
Views: 6112

Re: where to retire?

If you like where you are, stay there. Don't let the tax tail wag the dog. Took the words right out of my head and couldn't agree more, especially if you live a half mile from the beach! If you love it and can afford it, stay put and enjoy it. DH and I are SoCal transplants from the Midwest and Eas...
by island
Sat Jan 28, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Should we buy my parents' house?
Replies: 12
Views: 1394

Re: Should we buy my parents' house?

A gut reno only 160K? That seems like a very low estimate unless a small home and or LCOLA.
by island
Sat Jan 28, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check your credit reports annually?
Replies: 48
Views: 2896

Re: Do you check your credit reports annually?

cheese_breath wrote:If you're an AAA member ProtectMyID Essential coverage comes free with your membership.


Wow, thanks for the info. I'm a AAA member and will have to check into this!
by island
Sat Jan 28, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check your credit reports annually?
Replies: 48
Views: 2896

Re: Do you check your credit reports annually?

OP here. Thank you all for the info. I think I'll start the new year by requesting all 3 since I doubt I'm organized enough to keep track of a schedule...yet. Why I asked? Last year I tried to sign up online for a My social security account to get an estimate of future benefits, but I couldn't get p...
by island
Sat Jan 28, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Criteria for admittance to the 2-comma club
Replies: 79
Views: 5848

Re: Criteria for admittance to the 2-comma club

Tycoon wrote:
goingup wrote:Investable assets. I never included home, rental, pension, etc.


I subscribe to this methodology.


Me too.
by island
Sun Jan 22, 2017 2:01 pm
Forum: Investing - Theory, News & General
Topic: Backdoor Roth: How Long To Wait For Conversion?
Replies: 22
Views: 3965

Re: Backdoor Roth: How Long To Wait For Conversion?

Bracket wrote:1 or 2 days.

+1. Soon as the money transfer clears.
by island
Sun Jan 22, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check your credit reports annually?
Replies: 48
Views: 2896

Do you check your credit reports annually?

What's your strategy?
Request a free report from all three reporting agencies at the same time or check one at a time over the year?
Have you found many errors on yours and were they easy to correct?

Thanks.
by island
Mon Jan 16, 2017 2:19 am
Forum: Personal Finance (Not Investing)
Topic: Retiring - "not subject to tax" 401K funds
Replies: 20
Views: 2222

Re: Retiring - "not subject to tax" 401K funds

The more I read the more it looks like even with the 2014 rule change, you still have to rollover your entire 401K balance (pre and post tax contributions) to IRAs if you want to get all of the post tax into a ROTH IRA, but talk to your administrator to be sure. I was hoping I had an inservice opti...
by island
Sun Jan 15, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring - "not subject to tax" 401K funds
Replies: 20
Views: 2222

Re: Retiring - "not subject to tax" 401K funds

The more I read the more it looks like even with the 2014 rule change, you still have to rollover your entire 401K balance (pre and post tax contributions) to IRAs if you want to get all of the post tax into a ROTH IRA, but talk to your administrator to be sure. I was hoping I had an inservice opti...
by island
Sun Jan 15, 2017 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Over 50. What is the retirement plan contribution limit for 2017?
Replies: 6
Views: 1064

Re: Over 50. What is the retirement plan contribution limit for 2017?

Thank you. I've seen references to $54K, but haven't found anything that specifically says If that's the max for all ages or if those over 50 years old can include the $6K catch up and contribute a max of $60K. Can anyone confirm? In addition to the above, can one still do a post tax IRA Backdoor R...
by island
Sun Jan 15, 2017 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Over 50. What is the retirement plan contribution limit for 2017?
Replies: 6
Views: 1064

Re: Over 50. What is the retirement plan contribution limit for 2017?

Thank you. I've seen references to $54K, but haven't found anything that specifically says If that's the max for all ages or if those over 50 years old can include the $6K catch up and contribute a max of $60K. Can anyone confirm? In addition to the above, can one still do a post tax IRA Backdoor Ro...
by island
Sun Jan 15, 2017 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Over 50. What is the retirement plan contribution limit for 2017?
Replies: 6
Views: 1064

Over 50. What is the retirement plan contribution limit for 2017?

Mega Backdoor ROTH may be available for spouse this year and I'm trying to confirm the max contribution limit for someone over 50....or maybe it's the same for any age? Right now we both contribute $24K pre tax to 401Ks, $6500 post tax to IRAs converted to Backdoor ROTHs. Same limit as 2016. How muc...
by island
Sun Jan 15, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring - "not subject to tax" 401K funds
Replies: 20
Views: 2222

Re: Retiring - "not subject to tax" 401K funds

The more I read the more it looks like even with the 2014 rule change, you still have to rollover your entire 401K balance (pre and post tax contributions) to IRAs if you want to get all of the post tax into a ROTH IRA, but talk to your administrator to be sure. I was hoping I had an inservice optio...
by island
Sat Jan 14, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring - "not subject to tax" 401K funds
Replies: 20
Views: 2222

Re: Retiring - "not subject to tax" 401K funds

I'm still working, but trying to figure out some things about the post tax contributions I briefly made to my 401K early in my career mid 1980's. My 401K trustee (Vanguard) was a good source of info and I think I've found more answers in some IRS docs in this link. Perhaps you might find this link u...
by island
Sun Jan 08, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice moving from EJ
Replies: 36
Views: 2236

Re: Need advice moving from EJ

Wow, that's a crazy number of funds! Do your 401k plans have a selection of good funds with reasonable expense ratios, and allow you to roll in your other retirement funds? If so why not do that to simplify? My spouse's 401K trustee ( or whatever it's called) is Fidelity and his plan allows the abo...
by island
Sun Jan 08, 2017 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover 401k into New 401K instead of IRA to preserve backdoor IRA?
Replies: 11
Views: 710

Re: Rollover 401k into New 401K instead of IRA to preserve backdoor IRA?

If the new 401(k) is better, then roll over the old one to it. It's not much trouble. If you were to roll the existing IRA into that as well, then there would be no taxes. Agree. My spouse did a trustee to trustee transfer of an old 401K and a rollover IRA to current 401K a few years ago so he coul...
by island
Sun Jan 08, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice moving from EJ
Replies: 36
Views: 2236

Re: Need advice moving from EJ

Wow, that's a crazy number of funds! Do your 401k plans have a selection of good funds with reasonable expense ratios, and allow you to roll in your other retirement funds? If so why not do that to simplify? My spouse's 401K trustee ( or whatever it's called) is Fidelity and his plan allows the abov...
by island
Sun Jan 08, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Managing a messy inherited portfolio
Replies: 9
Views: 859

Re: Managing a messy inherited portfolio

My mom wants to eventually distribute around 30% of the portfolio to me and 30% to my brother. We will meet with an estate attorney to figure out how to do this in the next 6 months. She wants to keep the rest, and will spend a fair portion of it. Do you and your bro need the cash? If not, you migh...
by island
Sat Jan 07, 2017 10:59 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 28533

Re: Whats your number to walk away?

HomerJ wrote:
island wrote:I don't have a number


There's no number that would let you retire today? Not 1 billion?

Or are you saying you love your job so much you'd do it for free?


Of course not, but not everyone quits soon as they reach FI. :oops:
by island
Sat Jan 07, 2017 10:51 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 28533

Re: Whats your number to walk away?

I don't have a number
by island
Sat Jan 07, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: What monetary value has your education provided you?
Replies: 107
Views: 5791

Re: What monetary value has your education provided you?

The most I earned per year was about $65k, many years a lot less. Now, my networth is between 6 and 7 million. Like Forrest said: "Life is like a box of chocolates." Good for you. Nice to hear. :sharebeer Agree. I can relate to that. No get rich quick schemes, employment with reasonable s...
by island
Sat Jan 07, 2017 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: What monetary value has your education provided you?
Replies: 107
Views: 5791

Re: What monetary value has your education provided you?

Wow, just when I think there are no stones left unturned when it comes to Bogleheads crunching numbers and tracking costs.... Interesting question, but not one I can answer in specific numbers. My undergrad was earned in 1980, followed immediately by an MS, and years later a doctorate while working ...
by island
Sat Jan 07, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10320

Re: Max It Out Tomorrow [your IRA]

For those of you who are "all-in January" people, where do you get your funds from or where do you hold your funds until next year? 1. Borrow from emergency fund in January and rebuild over the year 2. Build up separate cash reserves to invest next January 3. Invest in the same funds as y...
by island
Sat Jan 07, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10320

Re: Max It Out Tomorrow [your IRA]

Spouse and I both all in $6500 yesterday, ready for backdoor conversion soon as the funds clear next week.
by island
Thu Jan 05, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Mechanic crashed car on delivery. Who's responsible to make whole?
Replies: 29
Views: 4170

Re: Mechanic crashed car on delivery. Who's responsible to make whole?

Thanks everyone. Will pass along the info. Hope it's on the driver or the mechanic's insurance rather than his, but I don't know yet. Good to know he should try to negotiate with the claims adjuster. No guarantee of course, but can't hurt to see if any wiggle room there.
by island
Tue Jan 03, 2017 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10320

Re: Max It Out Tomorrow

Any care to share what funds you hold in your Roth?
by island
Mon Jan 02, 2017 5:32 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting - Is it worth it?
Replies: 85
Views: 5674

Re: Tax Loss Harvesting - Is it worth it?

Not so fast. Like Grabiner mentioned, this only works for covered shares. There will come a point when you may be selling non-covered shares at a loss (think bond fund shares), and you'll need to perform your own calculations using your own lots. This is done by hand. Show me someone who tax-loss h...
by island
Mon Jan 02, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to graduate from college in 3 years?
Replies: 101
Views: 4746

Re: Is it possible to graduate from college in 3 years?

So Timmy, why do you ask? Like others, I mentioned knowing some people who did it and had a good experience, but I should also mention I knew a few who were so focused on getting out early for various reasons that it wasn't a good experience and some who were so sheltered, lacking in social or life ...
by island
Mon Jan 02, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Mechanic crashed car on delivery. Who's responsible to make whole?
Replies: 29
Views: 4170

Re: Mechanic crashed car on delivery. Who's responsible to make whole?

How would you define make whole? Sounds like your friend valued his SUV at a higher amount than it was worth and his insurance will cover its value in the market, if I understand you correctly. I do not see someone giving him more than that regardless of who pays him/her. By whole, I meant either w...
by island
Mon Jan 02, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Mechanic crashed car on delivery. Who's responsible to make whole?
Replies: 29
Views: 4170

Re: Mechanic crashed car on delivery. Who's responsible to make whole?

Appreciate responses and links. Will pass Ino along.
Friend didn't know she was driving it until heard about the accident. I don't know if she's an employee.
That's the only additional info I know right now. Thanks again.
by island
Mon Jan 02, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Mechanic crashed car on delivery. Who's responsible to make whole?
Replies: 29
Views: 4170

Re: Mechanic crashed car on delivery. Who's responsible to make whole?

That was my thought, but no clue if accurate.
If mechanic is responsible, would he too only be responsible for what insurance would cover based on Blue Book or ?
If so, friend is still without a vehicle.

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