Search found 93 matches

by reason-logic
Wed Jul 20, 2016 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Another Too-Much-House Thread....
Replies: 72
Views: 6962

Re: Another Too-Much-House Thread....

My wife and I are late 50s, been retired 8 years and live in 5600 SF home. We find the home a little small for us, especially when kids and grandkids visit. I think too big or too small is a matter of perspective. If you want the home, go for it.
by reason-logic
Tue Jul 19, 2016 1:10 am
Forum: Personal Finance (Not Investing)
Topic: Early retirees, at what age did you "retire"? Is it working out?
Replies: 63
Views: 9662

Re: Early retirees, at what age did you "retire"? Is it working out?

Retired at 49. Now 57. For the first time, I am in complete control of my time and life. Time is more important than money IMO. It took about 2 years to adjust to not working and I discovered most of my work friends were not friends at all. I have made many new real friends and am healthier and happ...
by reason-logic
Thu Apr 28, 2016 12:22 am
Forum: Investing - Help with Personal Investments
Topic: Preferred stock ideas
Replies: 10
Views: 1049

Re: Preferred stock ideas

First, if you are using a taxable account, understand after tax yields. Some preferred stock qualifies for the 15/20% dividend tax rate and others the dividends are taxed at ordinary income rates. You should try to find issues that have cumulative dividends and are investment rated by a ratings agen...
by reason-logic
Tue Mar 15, 2016 12:07 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 115
Views: 10300

Re: Concierge medicine Worth It????

My wife and I have been seen by a concierge physician for nearly 10 years. Some of the advantages from my perspective: 1. 24/7 availability to speak to doctor by phone. 2. Email questions to doctor. 3. They know the best specialists and seem to get you in on a priority basis. 4. They will go with yo...
by reason-logic
Wed Feb 03, 2016 1:02 am
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 7725

Re: What age did you retire

49 not a moment too soon
by reason-logic
Wed Jan 20, 2016 1:27 am
Forum: Personal Consumer Issues
Topic: New neighbor turning their house into vacation rental
Replies: 41
Views: 5088

Re: New neighbor turning their house into vacation rental

Perhaps band together with your neighbors and try to buy the property, otherwise it is his right to use his property to make income, provided he is not violating any laws.
by reason-logic
Wed Jan 20, 2016 1:24 am
Forum: Personal Finance (Not Investing)
Topic: Do retirees care about their credit score?
Replies: 35
Views: 2680

Re: Do retirees care about their credit score?

If you have enough cash then credit score is meaningless.
by reason-logic
Wed Jan 20, 2016 1:20 am
Forum: Personal Consumer Issues
Topic: Retiring and people seem to avoid me
Replies: 66
Views: 8896

Re: Retiring and people seem to aviod me

I retired at 49 after working 24/7 as a CEO. I found many who only befriended me because of my position (and what they might gain from knowing me) moved on immediately when I retired. These were not real friends. My real friends and family were thrilled and understood that you have only so much time...
by reason-logic
Sat Dec 12, 2015 2:18 am
Forum: Personal Consumer Issues
Topic: BMW current and past owners -- how was the reliability and would you buy another?
Replies: 89
Views: 8753

Re: BMW current and past owners -- how was the reliability and would you buy another?

I have owed 2 BMW models. Did not like either car, expensive and not as nice a ride (IMO) as Mercedes or Lexus.
by reason-logic
Sun Nov 01, 2015 12:16 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Best decisions, biggest busts for appliances
Replies: 46
Views: 5364

Re: Kitchen Remodel - Best decisions, biggest busts for appliances

Just finished remodel 90 days ago. Regret the wolf steam oven. It is high maintenance, hard to clean and impossible to find recipes or complete instructions.
by reason-logic
Sat Oct 24, 2015 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: P2P Lending - Anyone try it?
Replies: 75
Views: 7053

Re: P2P Lending - Anyone try it?

I have been in Lending Club for 2.5 years and currently have account with 200k invested (about 1% of my portfolio). My life to date return is 8.14%. I only invest in 36 month notes and only with borrowers that own their homes. I am happy with the returns given the risks.
by reason-logic
Sun Oct 18, 2015 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Is there an ideal age to retire?
Replies: 137
Views: 13021

Re: Is there an ideal age to retire?

Yes, at 18 right after high school.
by reason-logic
Fri Sep 04, 2015 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 372
Views: 59747

Re: Question for the Bogleheads Millionaires

Maximize any employer matching retirement plan.
Save 10% or more of net income.
Target annual earning increase 2x inflation rate.
Work hard and maximize your value to your employer.
by reason-logic
Fri Jul 31, 2015 8:31 pm
Forum: Personal Consumer Issues
Topic: Rental Car Possible Damaged after I returned it
Replies: 18
Views: 2145

Re: Rental Car Possible Damaged after I returned it

Was your experience with Enterprise? I used to have an employee who worked for them who stated that the return damage process was considered a profit center for them (lose of use, etc). I wondered if anyone else had that experience?
by reason-logic
Fri Jul 31, 2015 8:27 pm
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 117
Views: 12862

Re: Retirees: Questions you hate being asked

I retired early (50) and am asked, "I can't image being retired, I would deb so bored". My sense is that those who ask are jealous.
by reason-logic
Thu Jul 16, 2015 12:24 am
Forum: Personal Consumer Issues
Topic: Beach getaway recommendations please
Replies: 45
Views: 4063

Re: Beach getaway recommendations please

Coronado Island near San Diego. Lots to do, short ride from airport, beautiful beach and no humidity.
by reason-logic
Mon Jun 29, 2015 8:54 am
Forum: Investing - Theory, News & General
Topic: Puerto Rico Governor Says Island’s Debts Are ‘Not Payable’
Replies: 37
Views: 3987

Re: To heck with Greece -- what about Puerto Rico?

As an investor with a sizable muni bond portfolio, my primary concern is whether politics will trump current laws in place. Puerto Rico's constitution requires that bond payments be made before any other expenditure, so will the commonweath's government and legal system protect bond holders as promi...
by reason-logic
Sun Jun 28, 2015 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Forfeit 12k in rent and buy now?
Replies: 17
Views: 1635

Re: Forfeit 12k in rent and buy now?

I agree about negotiating with LL. I was in same situation 10 years ago, LL let me out of lease for 60 days rent, he was able to re-rent property right away so no harm to him.
by reason-logic
Sun Jun 28, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: Under the sink reverse osmosis water filter recommendations?
Replies: 20
Views: 3052

Re: Under the sink reverse osmosis water filter recommendations?

I placed mine in basement under kitchen so lines under under kitchen to both outlets. I change one filter each year for about $60.
by reason-logic
Sun Jun 28, 2015 1:29 am
Forum: Personal Consumer Issues
Topic: Fish in the refrigerator
Replies: 25
Views: 3527

Re: Fish in the refrigerator

Purchase a Foodsaver.
by reason-logic
Sun Jun 28, 2015 1:27 am
Forum: Personal Consumer Issues
Topic: Home cleaning services
Replies: 30
Views: 3846

Re: Home cleaning services

I pay $200 per weekly service, 2 cleaners x 3 hours per week, 6000 SF home in Puget Sound area.
by reason-logic
Sun Jun 28, 2015 1:24 am
Forum: Personal Consumer Issues
Topic: Under the sink reverse osmosis water filter recommendations?
Replies: 20
Views: 3052

Re: Under the sink reverse osmosis water filter recommendations?

I have a Kinetico system in both of my houses, connected to drinking water faucet in sink plus ice maker. Works great, low maintenance. Has a pressure tank to insure constant flow of water. I highly recommend.
by reason-logic
Tue May 12, 2015 12:55 am
Forum: Personal Consumer Issues
Topic: Epoxy garage floor?
Replies: 20
Views: 3025

Re: Epoxy garage floor?

I love a clean garage. I have two homes and have used epoxy coating on one and polyaspartic floor coating on another. I like the polyaspartic flooring better as it can be installed and dry in one day (epoxy takes 3) and it does not fade in direct sun (like the part of your garage floor that extends ...
by reason-logic
Sat May 09, 2015 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Is Retiree Health Insurance Taxable?
Replies: 1
Views: 525

Is Retiree Health Insurance Taxable?

I have fully retired in 2015. As part of an agreement with my former employer, they are providing health insurance for both myself and my wife until I am 65. Is the value of this benefit taxable now that I am not working? If so, how do I determine the value when filing my 1040 for 2015?
by reason-logic
Sun Apr 19, 2015 12:31 am
Forum: Personal Consumer Issues
Topic: mandatory 17% tip at a buffet
Replies: 32
Views: 4153

Re: mandatory 17% tip at a buffet

I wonder how much of this actually made it to staff?
by reason-logic
Thu Apr 16, 2015 12:55 am
Forum: Investing - Help with Personal Investments
Topic: Municipal Bond Default and collecting insurance
Replies: 2
Views: 387

Re: Municipal Bond Default and collecting insurance

I have a few defaulted Detroit bonds, the interest keeps coming via brokerage and there has been no decline in value reflecting insurer backing principal.
by reason-logic
Tue Apr 14, 2015 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Talking to People About Retirement
Replies: 70
Views: 8083

Re: Talking to People About Retirement

I retired in 08 at 49 years old. No one at work who knew me could believe it, I received all sorts of advice, like you will be bored, why not stay and make more, etc. At first I felt maybe I was making a mistake, but after a while I realized most were just jealous. My advice is stick to your plan an...
by reason-logic
Sun Apr 12, 2015 10:00 am
Forum: Investing - Help with Personal Investments
Topic: How to buy bonds
Replies: 3
Views: 385

Re: How to buy bonds

I have a brokerage account at Fidelity and have built a portfolio of hundreds of muni and taxable bonds. While you will pay more as an individual investor (as opposed toe better pricing an institutional investor like a mutual fund receives) if you purchase bonds on the secondary market, if you hold ...
by reason-logic
Sat Mar 14, 2015 1:10 am
Forum: Investing - Help with Personal Investments
Topic: How to create a 3% return portfolio?
Replies: 52
Views: 6625

Re: How to create a 3% return portfolio?

A rated or better muni bonds.
by reason-logic
Thu Mar 05, 2015 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: In what form do you keep your emergency fund?
Replies: 96
Views: 23007

Re: In what form do you keep your emergency fund?

FDIC insured on-line bank savings accounts (0.9-1% interest)
by reason-logic
Thu Mar 05, 2015 1:22 am
Forum: Personal Finance (Not Investing)
Topic: What would you have done differently when retiring?
Replies: 116
Views: 14884

Re: What would you have done differently when retiring?

I retired at 49, but worked as consultant for former employer one day per week for 6 more years. I would do the following differently: 1. Be cautious with real estate transactions. I moved out of CA to reduce tax burdens, immediately bought a house in a non income tax state, then came into significa...
by reason-logic
Thu Mar 05, 2015 1:03 am
Forum: Investing - Theory, News & General
Topic: Fidelity Fixed Income
Replies: 10
Views: 1387

Re: Fidelity Fixed Income

I am retired and hold a portfolio which contains, in part, over 300 separate munis. I am a big fan of individual bonds and have sufficient liquidity to hold all to maturity. My reasons are: 1. Even if I pay a small spread for individual bond, I am not paying annual expenses to muni fund. 2. I can se...
by reason-logic
Mon Mar 02, 2015 1:50 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever voluntarily downsized their job?
Replies: 32
Views: 3765

Re: Has anyone ever voluntarily downsized their job?

I was an executive at several large public companies and then became a CEO of a private firm in my 40's. I had worked since age 14 and in my career worked very hard, 14 hour days, huge travel, a lot of stress. No health issues but out of shape. I decided at a point in time that I had 2 assets, money...
by reason-logic
Thu Feb 26, 2015 2:59 am
Forum: Personal Consumer Issues
Topic: Subaru and Consumer Reports ratings
Replies: 100
Views: 13443

Re: Subaru and Consumer Reports ratings

I drive a lot in the Pacific Northwest, much of it on 2 lane highways.

I have noticed when I am going slow, 10 MPH below the speed limit and 20 cars stacked up, that the car in front is almost always a Subaru.

Anyone else noticed this and have a reason why?
by reason-logic
Thu Feb 26, 2015 2:37 am
Forum: Personal Consumer Issues
Topic: 3 Kids and 2 Dogs - Next Vehicle
Replies: 31
Views: 3306

Re: 3 Kids and 2 Dogs - Next Vehicle

Ford Expedition, better than Suburban
by reason-logic
Thu Feb 26, 2015 2:35 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Premium
Replies: 18
Views: 2585

Re: Fidelity Premium

I have accounts with both Fidelity and Vanguard.

Without exception, I have found FD service superior. I have 8 figures with them, love the cash management and brokerage service. I use Vanguard for mutual funds as their costs are significantly lower.

What are you looking for at FD?
by reason-logic
Mon Feb 23, 2015 1:29 am
Forum: Personal Finance (Not Investing)
Topic: Citi Cash Rewards vs. Fidelity Amex
Replies: 23
Views: 4303

Re: Citi Cash Rewards vs. Fidelity Amex

I really dislike Fidelity Visa and Amex. Love the 2% cash back, but terrible customer service and lots of decline transactions due to their security screen (even though I have never had a fraud charge on my card). Every time I call it is 20 minutes. I now use Citi Cash Rewards. Can use with Apple Pa...
by reason-logic
Mon Feb 23, 2015 1:06 am
Forum: Personal Finance (Not Investing)
Topic: Advice for how to help a grieving FIL with daily finances
Replies: 16
Views: 2111

Re: Advice for how to help a grieving FIL with daily finance

Obtain his power of attorney, but give him a full accounting each month.

Set up his bills on autopay to reduce the number of checks that need to be written.

Use his bank's bill pay.
by reason-logic
Sun Feb 22, 2015 1:36 am
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 86
Views: 9174

Re: Luxury Car

Mercedes SL 550
by reason-logic
Fri Feb 20, 2015 1:12 am
Forum: Investing - Theory, News & General
Topic: Do you invest in Blackstone?
Replies: 10
Views: 1969

Re: Do you invest in Blackstone?

Yes, great management.
by reason-logic
Sun Feb 08, 2015 10:30 am
Forum: Personal Consumer Issues
Topic: Worth Upgrading to LED Lighting?
Replies: 70
Views: 8385

Re: Worth Upgrading to LED Lighting?

I have used these for years. I agree they are getting cheaper. While a high up front investment, you will save a ton over their life in energy cost, plus you don't have to constantly pull the ladder out to replace bulbs all the time like incandescents. Recommend you buy one or two as a test to be su...
by reason-logic
Sun Feb 08, 2015 2:33 am
Forum: Personal Finance (Not Investing)
Topic: Citibank Double Rewards %1+%1 Credit Card
Replies: 33
Views: 6664

Re: Citibank Double Rewards %1+%1 Credit Card

I used the FIA (Fidelity) rewards cards like others here, but they are a real pain. If I travelled 50 miles out of town, most transactions rejected (security and fraud prevention). I called and waited on hold forever only to be told that I needed to call anytime I leave town and tell them so transac...
by reason-logic
Sun Feb 08, 2015 2:27 am
Forum: Personal Finance (Not Investing)
Topic: Lending money to family - I can't say no
Replies: 82
Views: 7020

Re: Lending money to family - I can't say no

Perhaps, if you have to do something, suggest she apply at a peer to peer lender, like Lending Club. You can then partially fund her loan along with other investors, so you will have some risk, however she will have to deal with them (Lending Club) if she is late or does not pay. If she does pay, th...
by reason-logic
Sun Feb 08, 2015 2:13 am
Forum: Personal Consumer Issues
Topic: Paperless Office?
Replies: 55
Views: 4004

Re: Paperless Office?

I am completely paperless.

I used Neatconnect wi-fi scanner and the Neat.com cloud storage that also links to Dropbox.

www.neat.com

Never had a problem.
by reason-logic
Fri Jan 23, 2015 11:48 am
Forum: Personal Consumer Issues
Topic: anyone here been to the Super Bowl?
Replies: 23
Views: 3047

Re: anyone here been to the Super Bowl?

I went last year (big Seahawks fan) and plan on attending this year also. I also used to live in Phoenix. I recommend you attend as many of the non game events as possible. If you have time, visit downtown Scottsdale, it is worth the trip. Although there are some NFL events in downtown Phoenix, ther...
by reason-logic
Thu Sep 11, 2014 9:53 am
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 12215

Re: Vanguard Lost $50k

Thanks to everyone for their advice here. I have finally received a wire transfer from Vanguard returning the 50k, there was no explanation forthcoming on what happened. They did offer to reimburse any fees I incurred (which was none) which I appreciate. I am still disconcerted over this experience....
by reason-logic
Mon Sep 08, 2014 1:39 am
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 12215

Re: Vanguard Lost $50k

I appreciate all of the advice, except for those who somehow think I am a plant for some other brokerage or am sitting in a hot tub (even if I liked hot tubs I do not know what that has to do with my situation). I am a retired businessman who learned that the most important asset to any business tra...

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