Search found 13 matches

by macman_65
Fri Aug 11, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Individual stocks for fun
Replies: 24
Views: 1563

Re: Individual stocks for fun

Buy enough different stocks and you have an index fund with 0% ER. Isn't that the BH way?
by macman_65
Wed Aug 02, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: A poll: How much money do you want to retire?
Replies: 270
Views: 20955

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

I am 52 / 1.3M

My retire point is 2M or 62 whichever comes first.
by macman_65
Thu Jul 20, 2017 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Considering pension plan in asset allocation
Replies: 37
Views: 1588

Re: Considering pension plan in asset allocation

I have always considered my pension (and my SS) to be a part of my asset allocation. Not doing this distorts the AA horribly, pushing it into a very conservative stance. In my case DW and I have pensions and SS. Right now I consider them to be the equivalent of 4% bonds. If interest rates go higher...
by macman_65
Wed Jul 19, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Paying for college expenses
Replies: 9
Views: 1052

Re: Paying for college expenses

Another, kind of related question - Currently, he has an add-on card on one of my credit cards but from what I can see this would NOT build up his own credit history. He turns 18 in September. At that time, would it be a good idea to have a credit card issued in his own name from the bank where we ...
by macman_65
Fri Jul 14, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Estate planning to avoid probate
Replies: 16
Views: 1628

Re: Estate planning to avoid probate

Her time is split between Illinois (house) and Utah (condo).
by macman_65
Fri Jul 14, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Estate planning to avoid probate
Replies: 16
Views: 1628

Re: Estate planning to avoid probate

Depending on the state of residence, the nature of the assets and other details, avoiding probate may not, on balance, be something you/she may really want to do. it seems to me, as the situation is described, proper, fair and reasonable distribution of the assets should be the highest priority. Un...
by macman_65
Fri Jul 14, 2017 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Estate planning to avoid probate
Replies: 16
Views: 1628

Estate planning to avoid probate

I am the executor of my mother's estate - appx 2M. She is 78 but in relative good health, golfs 5 days a week and still shoots in the 40's (on occasion). I would guess she has another 15-20 years but who knows. She has made it clear to me that she would like to set up the estate to avoid probate. I ...
by macman_65
Fri Jun 30, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Am I on track, or just crazy...
Replies: 38
Views: 5754

Re: Am I on track, or just crazy...

So you are planning on raising and teaching your kids on the water until they start high school?
With no contact or interaction with other kids their age?
by macman_65
Thu Jun 22, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Fermenting Vegetables
Replies: 45
Views: 3608

Re: Fermenting Vegetables

I ferment hot pepers. I use them sliced or to create hot sauces. A lot of the commercial hot sauces are made with fermented peppers. I know some hot sauces are fermented but I don't know how it's done. How long do you typically let them "mature". Is a standard pickling liquid involved or ...
by macman_65
Wed Jun 21, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Fermenting Vegetables
Replies: 45
Views: 3608

Re: Fermenting Vegetables

I ferment hot pepers. I use them sliced or to create hot sauces.
A lot of the commercial hot sauces are made with fermented peppers.
by macman_65
Mon Jun 19, 2017 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: AA with a pension
Replies: 15
Views: 1725

Re: AA with a pension

What is your age? What is the approximate value of the rest of your retirement portfolio? What is the current cash out value that you could receive as a lump sum if you left the company today? In my opinion it would be reasonable to count that amount as a "bond" for purposes of setting yo...
by macman_65
Mon Jun 19, 2017 7:46 am
Forum: Investing - Help with Personal Investments
Topic: AA with a pension
Replies: 15
Views: 1725

Re: AA with a pension

When I elect to retire and begin collecting the pension I will have multiple options. I can receive it as a lump sum or as an annuity payable in monthly installments. There are variations on the type of annuity and I can split between lump sum and annuity in 25% increments (ie 25% lump sum, 75% annu...
by macman_65
Fri Jun 16, 2017 8:49 am
Forum: Investing - Help with Personal Investments
Topic: AA with a pension
Replies: 15
Views: 1725

AA with a pension

Should a pension at retirement impact a current AA decision? I have a pension (400K) that will be account for about 20% of my funds when I retire in 10 years or so. Aside from the pension my current 401k, Roth and other investments are at a 90/10 AA. I was thinking to balance to a 70/30 AA but was w...