Search found 1438 matches

by island
Wed Jul 27, 2016 1:39 pm
Forum: Investing - Theory, News & General
Topic: Interesting Interaction with Edward Jones
Replies: 43
Views: 3050

Re: Interesting Interaction with Edward Jones

Door to door is a common thing? Wow.
Never had that, but I rarely open the door unless I know the person, just like I rarely answer the phone for unknown callers.
by island
Tue Jul 26, 2016 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirees, how much did you leave on the table?
Replies: 180
Views: 11440

Re: Early retirees, how much did you leave on the table?

For those of you who retired before 60 y.o. how much do you think you left on the table? In percentage terms (or dollars if your prefer) how much larger would you portfolio have been if you postponed retirement to a standard age such as 62 y.o.? My wife and I retired early this year, and this was o...
by island
Mon Jul 25, 2016 9:07 pm
Forum: Investing - Theory, News & General
Topic: Reliving the Nightmare of the Crisis
Replies: 119
Views: 8378

Re: Reliving the Nightmare of the Crisis

I don't know if I could find the thread, but I recall that sometime in late 2008 or early 2009 a Boglehead author really capitulated, and suddenly was on to Plan B - which no one had ever mentioned before. Not my favorite, but certainly the most shocking and memorable. Those were tough times, and t...
by island
Mon Jul 25, 2016 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Who should my wife and I see, a Financial Advisor, planner, etc.
Replies: 38
Views: 2372

Re: Who should my wife and I see, a Financial Advisor, planner, etc.

I had a good experience with a napfa-affiliated fee-only planner for a one-time "financial review". It was actually more comprehensive than I expected (and more than was promised) for a flat fee. I do think one reason that happened was that I provided all the requested inputs in a clear, ...
by island
Mon Jul 25, 2016 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 184
Views: 14214

Re: How many folks choose to give inheritance to their children in unequal portions?

I had 3 kids of my own (their mother died and is out of the picture). My son had a daughter who was practically abandoned on my doorstep to raise as a single parent at the age of 47. I ended up adopting her and she is now an adult (age 20). So is it right to split the inheritance 4 ways or should m...
by island
Mon Jul 25, 2016 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirees, how much did you leave on the table?
Replies: 180
Views: 11440

Re: Early retirees, how much did you leave on the table?

<snip...> Retiring early sure is a much easier decision when one hates their job, work in general, or has been dreaming and planning for retirement since their first pay check. I just don't know many of those people. And here I am... - Ron Like I said, I didn't know many of you existed until I foun...
by island
Mon Jul 25, 2016 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirees, how much did you leave on the table?
Replies: 180
Views: 11440

Re: Early retirees, how much did you leave on the table?

I worry far more about ending up in a Medicaid facility than dropping dead tomorrow because that will be the day I will no longer worry about anything. You say this a lot. You seem to think that dying at your desk is no mistake because when you're dead you can't feel regret. There's a small nugget ...
by island
Sun Jul 24, 2016 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 184
Views: 14214

Re: How many folks choose to give inheritance to their children in unequal portions?

I don't understand why grandparents leave estates to grandchildren. In my family things have always passed to children, and then what's left passes to children, etc. each generation uses and manages money as they see fit. To try to leave to grandchildren seems to me to invite the kind of weird frac...
by island
Sat Jul 23, 2016 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirees, how much did you leave on the table?
Replies: 180
Views: 11440

Re: Early retirees, how much did you leave on the table?

For those of you posters who retired early, did you leave with an employer sponsored health plan of some sort or have to cover that yourself?

TimeLord, what about you?

Thanks.
by island
Sat Jul 23, 2016 2:04 pm
Forum: Investing - Theory, News & General
Topic: Reliving the Nightmare of the Crisis
Replies: 119
Views: 8378

Re: Reliving the Nightmare of the Crisis

No nightmares since I paid no attention to it and majoring in stock funds. We just kept living, working, saving and investing as usual.
Unfortunately didn't know about TLH at the time. Would have been a good opportunity to get out of some American Funds in taxable that we purchased in the 90's.
by island
Thu Jul 21, 2016 6:13 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6860

Re: HOA Swimming Pool Trespassing Issue

If fence is low with easy access in some areas I would think fixing that would be high priority for the HOA for liability reasons alone. No laws in your state dictating fenced all around at certain height and locked?
by island
Thu Jul 21, 2016 1:09 pm
Forum: Investing - Theory, News & General
Topic: Discussing investing with spouse
Replies: 39
Views: 2368

Re: Discussing investing with spouse

.....My mother in law had over twenty accounts at various banks and brokers and my wife as executor had to wade thru these in settling her estate. My problem is every time I try to discuss our finances with my wife it seems her eyes glaze over and she just wants me to handle it...... Blister- This ...
by island
Wed Jul 20, 2016 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Adopt my Girlfriend???
Replies: 38
Views: 6520

Re: Adopt my Girlfriend???

Definitely need to work with a lawyer on this, but legally adopting her is a viable option, assuming you can get a judge to sign off on it. They are far less likely to these days because same-sex couples can marry, but in the past MANY couples used this as a way to address inheritance and other sur...
by island
Wed Jul 20, 2016 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: IRS questioning my backdoor roth?
Replies: 33
Views: 4002

Re: IRS questioning my backdoor roth?

retiredjg wrote:Sounds like you did not file the 2 Forms 8606 indicating that you made a non-deductible contribution to tIRA. One form for each year.


Does this happen automatically when using Turbo Tax and filing electronically?
by island
Tue Jul 19, 2016 6:13 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6860

Re: HOA Swimming Pool Trespassing Issue

1) Fencing in place, but not tall enough, clearly. The pool area, while level itself, is located on a hillside. There is a roof which nearly touches the ground outside the enclosure - easy to climb onto the roof to gain access. In some places the fencing is only a couple of feet tall. I'm surprised...
by island
Tue Jul 19, 2016 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Scary thought. Running out of time to save for retirement
Replies: 60
Views: 6291

Re: Scary thought. Running out of time to save for retirement

This is sad for someone like me who won't graduate until age 27 and will not be able to contribute anything beyond employer match for at least another 4-5 years after that due to student debt. Sad? No it's not. You're probably the norm for those graduating with higher degrees. Yup, been there done ...
by island
Mon Jul 18, 2016 11:48 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6860

Re: HOA Swimming Pool Trespassing Issue

Lots of great responses, please keep them coming. I'll collate them and take them to the next meeting. Bolder why don't you tell us what's already in place so we don't waste time posting the same. Fence with locked gate? How high? What's the lighting situation? Any residents live close enough that ...
by island
Mon Jul 18, 2016 6:57 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6860

Re: HOA Swimming Pool Trespassing Issue

If the area is so dark that you fell, there should at least be lights.
Is it fenced with a locked gate?
by island
Fri Jul 15, 2016 12:29 pm
Forum: Personal Consumer Issues
Topic: Contractor tipping: owner vs onsite supervisor
Replies: 24
Views: 1249

Re: Contractor tipping: owner vs onsite supervisor

I tip generously for the usuals, but have never tipped a contractor or their employees nor do I think it would or should be expected.
by island
Fri Jul 15, 2016 12:23 pm
Forum: Personal Consumer Issues
Topic: Retired a year - big loss [ :) ]
Replies: 25
Views: 4902

Re: Retired a year - big loss [ :) ]

Good for you Watty, congrats! :beer
by island
Fri Jul 15, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Do you have any retiree healthcare benefit from your employer?
Replies: 76
Views: 3683

Re: Do you have any retiree healthcare benefit from your employer?

Thanks for all the info. Quite a variety. Didn't expect to read quite a few of you have HRA options. My spouse and I are long time employees for different companies in entirely different fields. We've both seen some decline in our benefits in the last few years and expect that will continue. In our ...
by island
Thu Jul 14, 2016 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: When your work schedule starts affecting your work-life balance
Replies: 114
Views: 7613

Re: When your work schedule starts affecting your work-life balance

Your responsibility is to do your work. This is not your work. This is a problem for management to solve, not you. Asking someone to work off cycle from their shift is inappropriate. And you won't get extra compensation. Sounds like you're a nice guy and someone is looking to take advantage of you....
by island
Wed Jul 13, 2016 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Do you have any retiree healthcare benefit from your employer?
Replies: 76
Views: 3683

Re: Do you have any retiree healthcare benefit from your employer?

For those of you who have an employer provided HRA account in retirement, is it invested in funds of your choosing or "banked" in a non interest earning account? Is it tax free? Thank you. This kind of HCRA is not an investment account. It is an allowance of money from which you can claim...
by island
Tue Jul 12, 2016 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have any retiree healthcare benefit from your employer?
Replies: 76
Views: 3683

Re: Do you have any retiree healthcare benefit from your employer?

For those of you who have an employer provided HRA account in retirement, is it invested in funds of your choosing or "banked" in a non interest earning account?
Is it tax free?

Thank you.
by island
Tue Jul 12, 2016 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have any retiree healthcare benefit from your employer?
Replies: 76
Views: 3683

Re: Do you have any retiree healthcare benefit from your employer?

My spouse has retiree healthcare benefits. I was on board with her until I reached Medicare Age. She pays about 3800 a year for her retiree healthcare plan benefits. Once she reaches Medicare Age she will no longer qualify for retiree benefits. Excellent plan. :happy Toons- Want to make sure I unde...
by island
Mon Jul 11, 2016 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have any retiree healthcare benefit from your employer?
Replies: 76
Views: 3683

Re: Do you have any retiree healthcare benefit from your employer?

I'm an early retiree and have health insurance through my former employer until age 65. I pay the full unsubsidized cost. If I had waited until turned 55, I could have had health insurance at the same subsidized rate I paid as an employee. I left early and so have to pay about $4,800 a year more th...
by island
Mon Jul 11, 2016 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have any retiree healthcare benefit from your employer?
Replies: 76
Views: 3683

Re: Do you have any retiree healthcare benefit from your employer?

My spouse has retiree healthcare benefits. I was on board with her until I reached Medicare Age. She pays about 3800 a year for her retiree healthcare plan benefits. Once she reaches Medicare Age she will no longer qualify for retiree benefits. Excellent plan. :happy Toons- Want to make sure I unde...
by island
Mon Jul 11, 2016 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have any retiree healthcare benefit from your employer?
Replies: 76
Views: 3683

Do you have any retiree healthcare benefit from your employer?

Was wondering how it works. When people say they have retiree healthcare benefits from their former employer, does that mean beyond the basic Medicare premium that one has to cover themselves out of pocket or deducted from their social security? Everyone pays that portion regardless of what retiree ...
by island
Sat Jul 09, 2016 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Feeling stuck in Career/ Portfolio review
Replies: 31
Views: 4080

Re: Feeling stuck in Career

Clark- I see you posted your portfolio info in the thread. Please consider putting it to your original post so all can see it up front. You'll probably get more useful info that way because many people do not read threads before they post. Maybe modify title too, something like Feeling stuck in care...
by island
Sat Jul 09, 2016 1:50 am
Forum: Personal Finance (Not Investing)
Topic: Feeling stuck in Career/ Portfolio review
Replies: 31
Views: 4080

Re: Feeling stuck in Career

Money is not really much of an issue; any pay increase (if that ever happens) will at least 80% be going towards retirement, which is pretty well on track. I just feel like my career isn't ever going to advance. I do like my field and I agree that looking into service engineering or sales would be ...
by island
Fri Jul 08, 2016 10:30 pm
Forum: Personal Consumer Issues
Topic: resort fees at hotels mandatory?
Replies: 34
Views: 2807

Re: resort fees at hotels mandatory?

Declining the key would make a lot of sense, but their mini bars don't have keys. I don't know why the alcohol just can't sit in there untouched. Maybe the guests are afraid they might drink it while sleepwalking. Never given a key to a mini bar. Why would they lock them when there are people who w...
by island
Fri Jul 08, 2016 5:32 pm
Forum: Investing - Theory, News & General
Topic: Fidelity customers: Have you experienced pressure to buy active funds?
Replies: 59
Views: 3207

Re: Fidelity customers: Have you experienced pressure to buy active funds?

What exactly is "pressured"? They mention it, they tell you why they think managed is better, you're getting hammered with repeated phone calls or ? I personally never feel pressured to purchase anything I don't want. I will never understand why some people can't say no or tell them to dro...
by island
Fri Jul 08, 2016 5:23 pm
Forum: Personal Consumer Issues
Topic: resort fees at hotels mandatory?
Replies: 34
Views: 2807

Re: resort fees at hotels mandatory?

Yes mandatory. Years ago questioned it at a resort in Hawaii and part of the fee was to restock the minibar. Advised I had no plan to consume anything in there so empty it. I don't need another person entering my room just to check that every day. They did, but no discount. Next time I asked for tha...
by island
Thu Jul 07, 2016 4:55 pm
Forum: Personal Consumer Issues
Topic: Experience with AT&T U-verse?
Replies: 19
Views: 1517

Re: Experience with AT&T U-verse?

Have ATT Uverse for for a few years for Internet and TV, very happy with it, no complaints. Have ATT for our landline too, but don't think its in the Uverse bundle. DH handles all that.
by island
Thu Jul 07, 2016 4:04 pm
Forum: Personal Consumer Issues
Topic: Questions about booking private party at restaurant
Replies: 28
Views: 1743

Re: Questions about booking private party at restaurant

Seems very reasonable especially for NYC. Seems on par with basic per person wedding charges these days in a lower cola. The tip, taxes and fee are standard. Yes that private party room might not be in use if you weren't using it, but maybe it would. The restaurant probably has to staff more than us...
by island
Wed Jul 06, 2016 9:40 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1747
Views: 390197

Re: What Movie Have You Recently Watched?

Jupiter Ascending. Atrocious. :x
by island
Wed Jul 06, 2016 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: No Company Match Until 1 Year of Service?
Replies: 30
Views: 2819

Re: No Company Match Until 1 Year of Service?

Not unusual, anything goes and anything can change at anytime. I believe I had to be with my company for at least 6 mos before I could even contribute myself. I assume the employer match started then, but not sure, because I've been with the same company for over 25 years. Vesting period was 5 years...
by island
Mon Jul 04, 2016 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: When your work schedule starts affecting your work-life balance
Replies: 114
Views: 7613

Re: When your work schedule starts affecting your work-life balance

For what you describe, no I wouldn't do it because of the shift difference. He should turn to his manager for a solution rather than to you.
by island
Fri Jul 01, 2016 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: SWAN: Using absolute dollar amount instead of percentage to manage risk
Replies: 39
Views: 3702

Re: SWAN: Using absolute dollar amount instead of percentage to manage risk

Even though I am still working I feel am I exiting the accumulation phase and entering the "won the game" phase, as a result I have a great focus on risk management. I have decided instead of using percentages for asset allocation I will have a maximum amount that I will invest in equitie...
by island
Fri Jul 01, 2016 1:43 am
Forum: Investing - Help with Personal Investments
Topic: SWAN: Using absolute dollar amount instead of percentage to manage risk
Replies: 39
Views: 3702

Re: SWAN: Using absolute dollar amount instead of percentage to manage risk

Even though I am still working I feel am I exiting the accumulation phase and entering the "won the game" phase, as a result I have a great focus on risk management. I have decided instead of using percentages for asset allocation I will have a maximum amount that I will invest in equitie...
by island
Wed Jun 29, 2016 6:28 pm
Forum: Personal Consumer Issues
Topic: Recommendations for ready-to-eat Costco meals?
Replies: 28
Views: 3140

Re: Recommendations for ready-to-eat Costco meals?

OP- So what did you end up serving "Serious Boyfriend"? :D
by island
Wed Jun 29, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, have we "arrived" ?
Replies: 70
Views: 5748

Re: Bogleheads, have we "arrived" ?

I don't think the OP was actually asking anything. I think they were just putting together a list of Boglehead milestones, so to speak. I also don't think the thread is very actionable, has anything to do with consumer issues, and that sarcasm is lost on some... :happy "Arrived"?? An odd ...
by island
Wed Jun 29, 2016 1:07 pm
Forum: Personal Consumer Issues
Topic: Attorney- how to find a good one
Replies: 10
Views: 1188

Re: Attorney- how to find a good one

Thanks everyone for the info.
Sheepdog appreciate your detailed response, points I didn't consider or know of; will pass it along.
I assume this entire ordeal is a frustrating process.
by island
Mon Jun 27, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Attorney- how to find a good one
Replies: 10
Views: 1188

Re: Attorney- how to find a good one

The lawyer who handles your family member's estate planning may know someone or be able to find someone. I don't think they've done any estate planning, at least not through an attorney, because they don't know any attorneys. I haven't done my estate planning yet either ( I know, bad Boglehead) so ...
by island
Mon Jun 27, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: Attorney- how to find a good one
Replies: 10
Views: 1188

Re: Attorney- how to find a good one

Thank you, will check out Martindale.
Googling pulls up a lot of advertisements, but can't rely on those.

Any other suggestions? Thanks.
by island
Mon Jun 27, 2016 12:55 pm
Forum: Personal Consumer Issues
Topic: Attorney- how to find a good one
Replies: 10
Views: 1188

Re: Attorney- how to find a good one

Duplicate
by island
Sun Jun 26, 2016 4:18 pm
Forum: Personal Consumer Issues
Topic: Attorney- how to find a good one
Replies: 10
Views: 1188

Attorney- how to find a good one

Any suggestions for finding good attorneys when you don't have personal contacts who know any? Family member may need one to help navigate the workers comp medical services and private and state disability insurance process if unable to return to professional occupation. I'm assuming it would be an ...
by island
Fri Jun 24, 2016 12:43 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3087
Views: 684073

Re: U.S. stocks in freefall

NMJack wrote: THE END IS NEAR!!!!!!!!!!!!!!!


I wish the same could be said about this lame 59 page thread.
by island
Fri Jun 24, 2016 12:39 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3087
Views: 684073

Re: U.S. stocks in freefall

:oops:
by island
Thu Jun 23, 2016 7:07 pm
Forum: Personal Consumer Issues
Topic: Your favorite country to possibly retire to?
Replies: 89
Views: 6577

Re: Your favorite country to possibly retire to?

I'll probably stay in California, but it would be hard to beat New Zealand. Beautiful country with friendly, English speaking people (all of them, not just the expats) and a developed economy with good healthcare. And they'll take an American without much hassle. Hey are you Mr Island? You sound ju...

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