Search found 596 matches

by supersharpie
Mon Feb 20, 2017 11:16 pm
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 6955

Which puppy to buy: golden retriever or labrador retriever?

Our corgi died from cancer at the age of 10 in early November. My wife, after initially indicating she wanted to wait several years before welcoming a new pup to the household, has changed course abruptly and now wants to buy one this year. We already have two cats so we are wary of shelter pups as ...
by supersharpie
Mon Feb 06, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: 2.875% mortgage pay-off financially justifiable?
Replies: 64
Views: 9647

Re: 2.875% mortgage pay-off financially justifiable?

I paid off a 3.25% mortgage early. Sure, you *might* make more money investing the money in stocks, but you might not. Why borrow and pay any amount of interest if you don't have to? Ding ding ding, we have a winner. However, chances are very good that you will make far more money by investing vs p...
by supersharpie
Sun Jan 22, 2017 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: SS Survivor Benefits for 62 male. Spouse died at 61
Replies: 8
Views: 803

Re: SS Survivor Benefits for 62 male. Spouse died at 61

My condolences. Your father can file immediately. Survivors may begin collecting benefits the month they turn 60, regardless of the DOB of their spouse.
by supersharpie
Fri Jan 13, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Explaining impact of front loads and fees on returns to sister
Replies: 20
Views: 1214

Re: Explaining impact of front loads and fees on returns to sister

mhalley wrote:These are the fees for the fund. Does the advisor charge any fees on top of these?


Good question, I asked her to inquire w/ the advisor.
by supersharpie
Fri Jan 13, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Explaining impact of front loads and fees on returns to sister
Replies: 20
Views: 1214

Re: Explaining impact of front loads and fees on returns to sister

This is much appreciated. I don't want to get overly involved in her affairs; she is a bright adult. However, I do want to enhance her level of financial literacy. She apparently has been operating under the assumption that the advisor has been providing his services for a miniscule flat fee. She al...
by supersharpie
Fri Jan 13, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Explaining impact of front loads and fees on returns to sister
Replies: 20
Views: 1214

Re: Explaining impact of front loads and fees on returns to sister

My sister has been investing for several years but has taken a hands off approach to this point. She presently has an advisor/broker handling her Roth IRA to which she is contributing $100 a month. All of her Roth investments are in ABALX. Based on my research this carries a 5.75% front load and a ...
by supersharpie
Fri Jan 13, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Explaining impact of front loads and fees on returns to sister
Replies: 20
Views: 1214

Explaining impact of front loads and fees on returns to sister

My sister has been investing for several years but has taken a hands off approach to this point. She presently has an advisor/broker handling her Roth IRA to which she is contributing $100 a month. All of her Roth investments are in ABALX. Based on my research this carries a 5.75% front load and a 0...
by supersharpie
Mon Oct 10, 2016 5:32 pm
Forum: Personal Consumer Issues
Topic: packaged food expired best buy dates
Replies: 57
Views: 3444

Re: packaged food expired best buy dates

My wife looks at all these dates on various products. She buys Distilled water for her CPAP machine. That's fine, since minerals in other kind of water would not be good for the machine. Last year, at one point, she told me that she needed another gallon of distilled water because the jug she had h...
by supersharpie
Thu Sep 15, 2016 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Will Medicare take away my Social Security?
Replies: 18
Views: 2211

Re: Will Medicare take away my Social Security?

OP, you failed to do your research. Medicare Part B premiums were $88.50 in 2006 so they have increased a grand total of $33.30/month over the past decade.

The sky is not falling.
by supersharpie
Mon Aug 29, 2016 4:59 pm
Forum: Personal Consumer Issues
Topic: Upcoming Road Trip Restaurant Recommendations
Replies: 23
Views: 1966

Re: Upcoming Road Trip Restaurant Recommendations

In Philly, go to the Reading Terminal Market, every single day if you can. My hotel in Philly is right by the Reading Terminal Market! Will definitely check it out. Definitely treat yourselves to some Beiler's doughnuts, especially the cream filled versions. Do not be intimidated buy the line, it m...
by supersharpie
Fri Aug 19, 2016 5:14 am
Forum: Personal Finance (Not Investing)
Topic: What is 4 more years of work worth? (Retirement Question)
Replies: 38
Views: 4053

Re: What is 4 more years of work worth? (Retirement Question)

I have the opposite reaction to those above. Keep working. Every year they work is a year they do not draw on their savings. Every year adds to their portfolio. Every year working puts them in better financial shape than they would have been without the earned income. Someone mentioned giving up th...
by supersharpie
Thu Aug 11, 2016 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Federal Couple - Financial Independence? Early Retirement?
Replies: 15
Views: 2188

Re: Federal Couple - Financial Independence? Early Retirement?

Depending on your agency you may qualify under VERA for an unreduced pension at any age with 25 years of service or age 50 with 20 years of service. I am turning 33 next month, have nine years of federal employment, and work for an agency that offers VERA retirements on an annual basis. My plan is t...
by supersharpie
Mon Feb 29, 2016 7:21 am
Forum: Personal Consumer Issues
Topic: Watching Oscars with kids
Replies: 34
Views: 3349

Re: Watching Oscars with kids

I did not want to watch the Oscars with my family expecting that the language will not be appropriate for my 11 year old daughter. But she insisted to watch saying that everyone in the school tomorrow would be talking about it and she would be left out if she didn't watch. So we had watched for hou...
by supersharpie
Mon Feb 22, 2016 5:07 am
Forum: Personal Finance (Not Investing)
Topic: Planning for financial future of special needs son
Replies: 20
Views: 2142

Re: Planning for financial future of special needs son

Once you or your wife start collecting Social Security your son can apply for a Childhood Disability Benefit which is equivalent to 50% of your full retirement age retirement benefit. Your own benefit will not be reduced if he is approved. This is different from the SSI program that takes into accou...
by supersharpie
Sat Feb 13, 2016 9:35 am
Forum: Investing - Theory, News & General
Topic: Was today's rally temporary?
Replies: 29
Views: 4387

Re: Was today's rally temporary?

Kelli28 wrote:think S&P will hit 1800 by March?


It's already at 1865.
by supersharpie
Sun Feb 07, 2016 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Can a minor child sue former guardians for theft once they turn 18
Replies: 24
Views: 3139

Re: Can a minor child sue former guardians for theft once they turn 18

I am confused. OP is asking about whether she/he can sue, and says he can't afford an attorney. Yet at the same time, the OP refers to testimony taken from the grandfather in numerous depositions. How can you have depositions without some kind of litigation / court action? I think OP lost her legal...
by supersharpie
Sun Feb 07, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Can a minor child sue former guardians for theft once they turn 18
Replies: 24
Views: 3139

Re: Can a minor child sue former guardians for theft once they turn 18

Twins Fan wrote:Could be... she's trying a different angle to get advice?


Perhaps, Mom also may be trying to force the child into a legal battle he or she doesn't want to fight. Hopefully the poster can provide a reasonable explanation.
by supersharpie
Sun Feb 07, 2016 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can a minor child sue former guardians for theft once they turn 18
Replies: 24
Views: 3139

Re: Can a minor child sue former guardians for theft once they turn 18

From the link LG posted, it seems meg is the mom and made that post a few years ago and now one of her 4 children found this forum and account somehow to make this new post?? My best guess anyway. From reading the posts, mom turning everything over to grandfather, and grandfather becoming guardian ...
by supersharpie
Sun Feb 07, 2016 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Can a minor child sue former guardians for theft once they turn 18
Replies: 24
Views: 3139

Re: Can a minor child sue former guardians for theft once they turn 18

This all sounds rather implausible. The bit about Social Security appointing the grandfather as his grandchildren's representative payee is particularly dubious. The agency would only have taken that action if the mother's parental rights had been terminated, had been convicted of certain felony off...
by supersharpie
Sun Feb 07, 2016 5:46 am
Forum: Investing - Help with Personal Investments
Topic: I Lost My FInancial Brain - Please Help
Replies: 85
Views: 9114

Re: I Lost My FInancial Brain - Please Help

Beehumble, my condolences. Be aware that you are eligible for Social Security survivor benefits on your wife's record the month you turn 60. Survivors are often, though not always, best served by taking this benefit first and delaying taking their own Social Security retirement until they turn 70. B...
by supersharpie
Wed Feb 03, 2016 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Clueless college new grad 22 yo, 200k income looking to start saving
Replies: 143
Views: 14754

Re: Clueless college new grad 22 yo, 200k income looking to start saving

Some unsolicited and perhaps unappreciated advice: Don't spend a lot on your wedding. "A lot" depends on how much money you have. Of course, it's your money, and you can spend it any way you want. And weddings are, in theory, great things: you get friends and family together to celebrate ...
by supersharpie
Wed Feb 03, 2016 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Clueless college new grad 22 yo, 200k income looking to start saving
Replies: 143
Views: 14754

Re: Clueless college new grad 22 yo, 200k income looking to start saving

Hi guys, I'm new to this community, and would appreciate some advice regarding personal finances and investing. I am 22 years old, one year out of college, and currently living in the SF Bay Area. Right now, I make 180k+ with my primary employer and 20k+ consulting for a startup. After tax, I take ...
by supersharpie
Tue Feb 02, 2016 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Silent Investor Owed Lots of Money
Replies: 33
Views: 2837

Re: Silent Investor Owed Lots of Money

Sounds like a storyline to an episode of American Greed.
by supersharpie
Tue Feb 02, 2016 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Friend is an Edward Jones financial advisor -- should I drop him?
Replies: 76
Views: 11080

Re: Friend is an Edward Jones financial advisor -- should I drop him?

Mixing friendship and money generally leads to regret. You don't need advisor; just stick to Bogleheads tenets and manage your own finances.
by supersharpie
Sun Jan 24, 2016 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Think my future father in law is giving the wrong advice to my fiance..what should i do?
Replies: 111
Views: 11111

Re: Think my future father in law is giving the wrong advice to my fiance..what should i do?

Hey everyone, In a bit of a jam here and don't want to rock the boat with my future father in law. I set up my fiances 403b options around January of last year following simple bogleheads philosophy. Her 403b is offered through Fidelity and I set her up with two funds, Spartan Total Market Index Fu...
by supersharpie
Sat Jan 23, 2016 11:45 am
Forum: Investing - Theory, News & General
Topic: VFIDX up .83% in one day?
Replies: 41
Views: 5032

Re: VFIDX up .83% in one day?

Call_Me_Op wrote:As slutz suggested, they may be dabbling in some bonds below IG.


Typo alert! :-)
by supersharpie
Thu Jan 21, 2016 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Social security restricted spousal benefits - does my husband need to know?
Replies: 35
Views: 3267

Re: Social security restricted spousal benefits - does my husband need to know?

SSA reps are required to contact the spouse to confirm the 10 year duration of marriage requirement has been met. However, if they unarchive your husband's retirement claim and he acknowledged he was currently married to you at the time, that may be sufficient. This assumes you were married for at l...
by supersharpie
Mon Jan 18, 2016 10:00 am
Forum: Investing - Help with Personal Investments
Topic: I can sleep at night but it is on my mind a lot
Replies: 60
Views: 4462

Re: I can sleep at night but it is on my mind a lot

I thank you again for the encouraging words. I guess my goal was to live from my interest and at death still have what I had the day I retired. Lol I knw that may sound strange but that was what I work to accomplish. I hope with in the 8 years or so stocks will rebound and things start to look bett...
by supersharpie
Thu Jan 14, 2016 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Dementia/Alzheimer's (spouse)
Replies: 36
Views: 4628

Re: Dementia/Alzheimer's (spouse)

Most, if not all, long term carriers require that those approved for insurance payments file for Social Security disability. However, once he turns 66 he can suspend his benefits to accrue Delayed Retirement Credits (DRCs) until he turns 70. This means he will still have the option of earning his ma...
by supersharpie
Tue Jan 05, 2016 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: How has your Salary performed against inflation?
Replies: 59
Views: 6325

Re: How has your Salary performed against inflation?

My salary has increased by approximately 285% since I started my first full-time job upon graduating from college in May 2006.

My wife's total compensation has increased by around 250% during the same period.
by supersharpie
Sun Dec 20, 2015 7:00 am
Forum: Personal Finance (Not Investing)
Topic: can i reasonably expect to retire at 62...
Replies: 36
Views: 5314

Re: can i reasonably expect to retire at 62...

With 70+ % in stocks as you approach retirement (with little margin for error), you are at the mercy of the stock market. A crash could drastically alter your plans. Really? Even if he only needs to generate ~$750 a month after his first three years of retirement? Even with a 2008 style crash I thi...
by supersharpie
Sun Dec 20, 2015 6:57 am
Forum: Personal Finance (Not Investing)
Topic: can i reasonably expect to retire at 62...
Replies: 36
Views: 5314

Re: can i reasonably expect to retire at 62...

bogleheads, please weigh in on my situation: 58 years old, single, currently maxing out 24k to 401k with 1k company match, also 6500/yr to roth; no pension, ss at 62 ~1800/mo, ss @ 65 ~1950/mo; 68k left on mortgage @ 3% (wont have it paid off till 66-67) job as IT consultant is 'somewhat' stable, b...
by supersharpie
Thu Dec 17, 2015 10:29 am
Forum: Personal Finance (Not Investing)
Topic: child d(x) potentially exclude from life ins
Replies: 29
Views: 3186

Re: child d(x) potentially exclude from life ins

When your child grows up and gets their own treatment and diagnostic as an adult, do you want to be remembered as the parent who interfered with their doctor's advice and risked their wellbeing? This has certainly happened to other parents. Yes, I don't think OP's son is going to be receptive to th...
by supersharpie
Thu Dec 17, 2015 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Wellesley Income
Replies: 9
Views: 1501

Re: Wellesley Income

Soli wrote:Does yesterday's Wellesley Income price dip indicate that this is an especially good time to buy?

Do you expect the price to bounce back up quickly or is this a good time to buy Adm shares?

Thanks!


No, it reflects the payment of the fund's quarterly dividend.
by supersharpie
Tue Dec 15, 2015 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: child d(x) potentially exclude from life ins
Replies: 29
Views: 3186

Re: child d(x) potentially exclude from life ins

We have a doubt and are wondering if it is unfounded. I am NOT asking for medical advice and think we have adequate care from our providers. The question is, has anyone had their child get diagnosed with something that exempts them from getting life insurance down the line? According to some googli...
by supersharpie
Thu Dec 10, 2015 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 350K home in Florida?
Replies: 33
Views: 3569

Re: Can we afford a 350K home in Florida?

obgyn65 wrote:I would say no.


Please explain how a couple making close to a quarter million dollars cannot afford a 350k home.
by supersharpie
Tue Nov 24, 2015 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: How One Calculates 25 Times Income for Retirement Needs
Replies: 12
Views: 2303

Re: How One Calculates 25 Times Income for Retirement Needs

Oh yes, that's right, but the gist of my question is how to calculate since the income needed changes - it's not one flat income required for 30 years, it graduates downward as I would collect no social security, then spousal, then at 70. Remember, you only have the option to restrict your Social S...
by supersharpie
Thu Nov 05, 2015 4:38 pm
Forum: Investing - Theory, News & General
Topic: John Bogle looking at stock valuations?
Replies: 48
Views: 5412

Re: John Bogle looking at stock valuations?

How accurate have Mr. Bogle's prior market prognostications been?

I personally am taking his rather pessimistic prediction with a huge grain of salt. No one can precisely predict the future.
by supersharpie
Thu Oct 29, 2015 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to SS regulations in new funding bill...
Replies: 154
Views: 12777

Re: Changes to SS regulations in new funding bill...

Can a much lower income spouse file at her FRA and receive her FRA benefits until her spouse files for his benefits at age 70 and then get 1/2 of his FRA benefits? Yes. No, not exactly. She will only receive the difference between 50% of his FRA benefits and her own FRA benefit. So, if he was eligi...
by supersharpie
Wed Oct 28, 2015 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to SS regulations in new funding bill...
Replies: 154
Views: 12777

Re: Changes to SS regulations in new funding bill...

I can see why Congress considers this a "loophole." Only informed or wealthier constituents were taking advantage of it. Even Kotlikoff notes in his book that one of the unfair aspects of Social Security is that only people who know the rules benefit from the rules. This leaves everybody ...
by supersharpie
Tue Oct 27, 2015 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should I increase the rate at which I'm saving up for retirement?
Replies: 36
Views: 3940

Re: Should I increase the rate at which I'm saving up for retirement?

My package consists of 4 pensions (2 social security + 2 employer) but all pensions total to a smallish number around $10,000 per year in today's dollars. The majority is in 401(k) and Roth IRA (about $110,000 per year), with about a 50/50 split between the two. Any company bankruptcy would have a ...
by supersharpie
Tue Oct 27, 2015 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Uncertainty as Federal Employee
Replies: 54
Views: 5342

Re: Uncertainty as Federal Employee

The value of a 100% of final salary pension in a 4% discount rate world is very high. This is a bit misleading. Government pensions tend to be generous, true. However, very few people get pension that's 100% of their final salary. For one thing, pension is often based on a 3-year highest average co...
by supersharpie
Fri Oct 23, 2015 12:37 pm
Forum: Personal Consumer Issues
Topic: I bought a new (used) car and already having an issue
Replies: 111
Views: 10613

Re: I bought a new (used) car and already having an issue

I purchased the vehicle last night. I had an inspection done and the mechanic said that the back brakes/rotors are wearing out and would need to be replaced next spring. I was okay with that and went ahead and purchased the car. On the way home, I noticed grinding when braking at highway speed. I t...
by supersharpie
Fri Oct 23, 2015 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: SS: Avoiding Part B Increase
Replies: 2
Views: 453

Re: SS: Avoiding Part B Increase

I currently have Medicare insurance but have not signed up for Social Security. I *was* planning to sign up for SS when I reach 66 in early 2016, until I got the news about the pending Part B hike. Can I avoid the 50% hike in SS Part B in 2016 if I sign up to receive SS in late December 2015? (I wo...
by supersharpie
Thu Oct 15, 2015 12:16 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 226
Views: 30123

Re: Selling all equities, discuss why I'm wrong. :)

Hi all, I just wanted to write out my decision for selling all my equity positions yesterday and see what people think. (I'm expecting people to think this was a *bad* decision) A little background: From 2007 until now I was 70% equities, 10% REIT, and 20% bonds. The bonds were half treasuries and ...
by supersharpie
Wed Oct 07, 2015 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 126
Views: 14346

Re: What do you guys do on the side?

surfstar wrote:Wow.

Money isn't everything. Including commas, and lack thereof.

We look forward to spending our time off work, NOT WORKING! :oops:

Sweden is trying out a 6 hour work day. I think they're on to something.


+1
by supersharpie
Wed Oct 07, 2015 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 126
Views: 14346

Re: What do you guys do on the side?

I really have no desire to have a side hustle. I'm under a non-compete with my firm and honestly in order to build a side business up enough to increase my income materially, I'd have to give up so much of my free time. I'd rather spend that time with my wife, going on the boat, fishing or attendin...
by supersharpie
Mon Sep 14, 2015 9:28 pm
Forum: Personal Consumer Issues
Topic: Relocation to Portland, OR -- Housing
Replies: 20
Views: 2444

Re: Relocation to Portland, OR -- Housing

I'm interested in the Portland area as well but am a little concerned about the reports I'm seeing about problems with violent crime. It seems there have been over 100 shootings in the city so far this year. I don't mean to hijack the thread but thought any comments that posters may have on this mi...
by supersharpie
Mon Aug 10, 2015 11:31 am
Forum: Personal Consumer Issues
Topic: Best affordable compact car to buy new?
Replies: 35
Views: 3797

Re: Best affordable compact car to buy new?

I am playing the online negotiation game on the 2015 Civic LX and so far the best I am being offered $17,000, inclusive of all fees except tags and taxes. This may not be the right forum to ask this but, does that seem like a good price? It is $500 less than the best quotes I was being offered throu...
by supersharpie
Sun Aug 09, 2015 11:34 pm
Forum: Personal Consumer Issues
Topic: Best affordable compact car to buy new?
Replies: 35
Views: 3797

Best affordable compact car to buy new?

So, we reconsidered our decision to buy a used car due to the inherent uncertainty over how the car was treated by its previous owner. Furthermore, we plan to drive the car into the ground so the difference in cost per year is negligible. We spent some time pouring over the options this weekend and,...

Go to advanced search