Search found 162 matches

by schachtw
Sun Jun 07, 2020 5:11 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3133
Views: 542568

Re: What are you up YTD? [Year To Date]

Blender wrote:
Sun Jun 07, 2020 4:39 pm
60/40, up .92% YTD - almost feels kind of wrong but I am not complaining.
+1
50/50, up .5% YTD - Also not complaining.
by schachtw
Sat Jun 06, 2020 11:47 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 351
Views: 43584

Re: Don't pay full price for SiriusXM radio

My subscription was up on May 31. I spoke with a SiriusXM rep, and stated I wanted to cancel. To get me to renew, she gave me three months credit (March - May), for the months we rarely drove. Two cars, 6 months @ $5/month came to $32.62 It was worth renewing for 6 months $2.60/month. When this expi...
by schachtw
Sat Apr 18, 2020 6:54 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3133
Views: 542568

Re: What are you up YTD? [Year To Date]

-5.5% YTD
AA = 48/48/4
by schachtw
Fri Mar 27, 2020 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: RMDs May Not Be Required for 2020
Replies: 142
Views: 9935

Re: IRS Suspends RMD

Any word on inherited IRAs? Here' a conversation in another thread: There was a question raised in the last hour or so... It asked if inherited IRAs are included in the exemption from taking an RMD this year. I found an opinion in Kiplingers' 3/27/20 issue which I quote below: "Distributions from i...
by schachtw
Fri Mar 27, 2020 6:11 am
Forum: Personal Investments
Topic: Vanguard Tax-Exempt Bond ETF VTEB - TLH or hold on?
Replies: 13
Views: 939

Re: VTEB - TLH or hold on?

What is VTEB? VTEB - Vanguard Tax-Exempt Bond ETF That is a good fund and one that I have looked at in the past. We presently have Intermediate Term Tax Exempt (i.e. the active fund). I would stay the course and perhaps add to it. Muni bonds can get a little volatile but at the end of the day the m...
by schachtw
Wed Mar 25, 2020 5:27 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 320
Views: 26351

Re: How much you lost/gain since Feb 20,2020 ?

Down 700K, 12%.
AA 48/48/4

During this period, sold muni’s in taxable, and started to interval purchase more VTI.
by schachtw
Tue Mar 24, 2020 8:12 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age ? and this crisis ?
Replies: 170
Views: 9607

Re: What is your AA, given your age ? and this crisis ?

DW and I are both 69, retired 4.5 years.
AA = 48/48/4

side note: -13.5% YTD
by schachtw
Fri Mar 13, 2020 1:18 pm
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 26647

Re: Who is staying course and how are you dealing with net worth going down?

Retired, AA: 48/48/4
YTD: -9.5%
Rebalancing to return to desired AA; Sold taxable munis, and adding to equities (VTI). Coping was fairly easy thanks to our AA.

Hopefully everyone will end the week on an up day.
by schachtw
Sat Feb 15, 2020 10:43 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 968
Views: 133394

Re: How much money do you want to retire?

I’ve won the game.

69 retired, 6MM
by schachtw
Thu Feb 06, 2020 7:37 pm
Forum: Personal Consumer Issues
Topic: Travel to Africa - Yellow fever vaccine
Replies: 10
Views: 1152

Travel to Africa - Yellow fever vaccine

Bogleheads: My wife and I are planning an African Safari vacation. A complicating factor is that I have a weaken autoimmune system and have been advised not to get the Yellow fever vaccine. We were planning on visiting South Africa, Botswana, Tanzania and Kenya. However, we have gotten conflicting i...
by schachtw
Thu Jan 30, 2020 9:32 am
Forum: Personal Consumer Issues
Topic: Navigating Comcast Options
Replies: 19
Views: 738

Re: Navigating Comcast Options

Ok, I've been a Comcast package customer for years and years. My bill has been about $200 per month for as long as I remember. They recently tried to hike it bigtime, so I got my armor on and negotiated a new deal with a "base" package plus Showtime and HBO add-ons. Total $185/month. I did give up ...
by schachtw
Sun Jan 19, 2020 1:17 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3133
Views: 542568

Re: What are you up YTD? [Year To Date]

AA = 48/48/4

Up 1.6% as of 1/17/2020
by schachtw
Fri Jan 17, 2020 11:26 am
Forum: Personal Investments
Topic: Silly questions about Vanguard's "tiers"
Replies: 19
Views: 2242

Re: Silly questions about Vanguard's "tiers"

OTOH, it really doesn't matter since nobody gets anything especially useful from Vanguard no matter what tier they are in. +1 FWIW, I’m at the Flagship Select level. I’ve haven't experienced any special service. 100 free trades would take me a lifetime; I do have an assigned representative, but I s...
by schachtw
Tue Jan 14, 2020 6:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Incorrect RMD Banner Info
Replies: 3
Views: 593

Vanguard Incorrect RMD Banner Info

I logged into my Vanguard account yesterday, and navigated to the RMD tab. I'll turn 69 1/2 this year, and without passage of the Secure Act, would have been eligible to enroll in Vanguard's RMD service. That said, I was surprised to read the following banner notification: Our records show you will ...
by schachtw
Mon Jan 06, 2020 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example
Replies: 148
Views: 13888

Re: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example

AA is 50/50 Per WillThrill’s previous TVM posts, I thought I try to calculate the withdrawal rate, using the inputs he’s described. This is for a 50/50 portfolio. The inputs were: CAPE Shiller ratio as of 1/2/20 = 31.07 10 year US Treasury yield as 12/31/19 = 1.88% 2019 CPI = 1.7% The calculation o...
by schachtw
Mon Jan 06, 2020 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example
Replies: 148
Views: 13888

Re: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example

AA is 50/50 Per WillThrill’s previous TVM posts, I thought I try to calculate the withdrawal rate, using the inputs he’s described. This is for a 50/50 portfolio. The inputs were: CAPE Shiller ratio as of 1/2/20 = 31.07 10 year US Treasury yield as 12/31/19 = 1.88% 2019 CPI = 1.7% The calculation of...
by schachtw
Thu Jan 02, 2020 10:51 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3133
Views: 542568

Re: What are you up YTD? [Year To Date]

AA: 48/48/4

Per Vanguard, portfolio up 17.6% for 2019. No complaints.
by schachtw
Tue Dec 17, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1659
Views: 419748

Re: Share your net worth progression

I haven’t kept detail records, but three events stand out: 1. 1998 - our net worth hit 1MM 2. 2000 .com bust - net worth almost went to zero It was at that point, I swore off individual stocks, and became a Boglehead 3. 2008-2009 another downturn, this time not nearly as devastating 4. Present day: ...
by schachtw
Thu Oct 17, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: What percent of net worth should a persons house be?
Replies: 141
Views: 11441

Re: What percent of net worth should a persons house be?

What percent of net worth should my house be? I'm thinking of upgrading my house and I don't want to use income as a measure since it keeps changing so I'd rather use net-worth measure. Also I'm 38 and will stay in this house till my kids (who are under the age of 5) finish high-school and possibly...
by schachtw
Tue Sep 03, 2019 7:25 pm
Forum: Investing - Theory, News & General
Topic: For those who have bonds in taxable, why and which ones?
Replies: 42
Views: 4433

Re: For those who have bonds in taxable, why and which ones?

Only one bond fund in our taxable portfolios:
VG Intermediate Tax Exempt.
by schachtw
Tue Aug 27, 2019 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1659
Views: 419748

Re: Share your net worth progression

Never kept detailed records, but I recall the year our net worth crossed the million mark: 1998 - 1.1MM Then came 2000, 2007-2008. . . Fast forward to current: 5.5MM Retired, content, very fortunate. That is incredible. Curious what your profession was? Did you invest in index funds only? I was a d...
by schachtw
Mon Aug 26, 2019 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1659
Views: 419748

Re: Share your net worth progression

Never kept detailed records, but I recall the year our net worth crossed the million mark:
1998 - 1.1MM
Then came 2000, 2007-2008. . .
Fast forward to current: 5.5MM

Retired, content, very fortunate.
by schachtw
Sat Aug 17, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 12050

Re: Aliens have captured my husband [wants to buy a Porsche]

Bogleheads - I need advice. My husband, formerly the world’s biggest cheapskate (and I mean that lovingly) has been kidnapped by an alien spirit. He wants to buy a Porsche Panamera. Before you say “late-life-crisis sports car,” I should say that we already did that. About four years ago we got a Ma...
by schachtw
Thu Aug 15, 2019 10:55 pm
Forum: Investing - Theory, News & General
Topic: Personal Flagship Representaive Going Away
Replies: 131
Views: 15930

Re: Personal Flagship Representaive Going Away

We are Flagship Select, supposedly Vanguard's highest level for personal investors. TBH the level of service is not more elite compared to Voyager or Flagship. Half the time my Flagship Select rep is not even available so I get a random FS rep. Almost all the time it makes little to no difference. ...
by schachtw
Sat Aug 10, 2019 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage for Retirees
Replies: 28
Views: 2886

Re: Mortgage for Retirees

From a thread last year: Buying a house in retirement "We purchased in a new city after retiring and before selling our old house. The mortgage company wanted to see ongoing income that met their ratios and it didn't matter that our assets covered many times more than the mortgage. We established a...
by schachtw
Fri Aug 09, 2019 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage for Retirees
Replies: 28
Views: 2886

Re: Mortgage for seniors

My wife and I are both retired, and 68 years. We are in the process of getting approved for our mortgage application. For our situation, the lender is using an ‘asset depletion’ method to determine eligibility. What lender? We've mentioned asset depletion method to several banks and they had no clu...
by schachtw
Fri Aug 09, 2019 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage for Retirees
Replies: 28
Views: 2886

Re: Mortgage for seniors

My wife and I are both retired, and 68 years. We are in the process of getting approved for our mortgage application.

For our situation, the lender is using an ‘asset depletion’ method to determine eligibility.
by schachtw
Thu Aug 08, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: SS - 6 months rearwards option
Replies: 11
Views: 1248

Re: SS - 6 months rearwards option

As an aside to the topic: I just filed for social security under my own earnings record. I had been collecting spousal benefits. I was reading a Laurence Kotlikoff social security article, and informed of the following rule. If you do not want the 6 month/retroactive lump sum payment, and the associ...
by schachtw
Mon Aug 05, 2019 10:20 pm
Forum: Personal Consumer Issues
Topic: Honda/Acura maintenance minders
Replies: 56
Views: 4679

Re: Honda/Acura maintenance minders

My wife and I each drive a 2012 Acura TSX. For better or worse, we follow the maintenance minders. As was noted in various posts, the alert wrench appears when oil is at the 15% mark. Our dealership has advised us to wait until 10%. They’re both low mileage cars, 49K mikes on both. We hope to drive ...
by schachtw
Sat Jul 20, 2019 6:17 am
Forum: Personal Consumer Issues
Topic: Anyone install fake grass?
Replies: 35
Views: 3823

Re: Anyone install fake grass?

I’ve probably smoked some over the years. Real is better.
by schachtw
Thu Jul 11, 2019 4:08 pm
Forum: Personal Consumer Issues
Topic: Abercrombie & Kent / Kensington Tours
Replies: 1
Views: 395

Abercrombie & Kent / Kensington Tours

Boglehead Community: Has anyone used, or have first-hand experience with either Abercrombie & Kent or Kensington vacation tours (group or private)? My wife and I are thinking of taking an A&K luxury group tour, or use Kensington Tours to create a private tour package for Scandinavia. Any insight or ...
by schachtw
Sat Jul 06, 2019 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 203
Views: 24781

Re: What I spent in 6 months on medicare

Monthly Medical related costs for wife and myself: 1. Medicare Part B 135.50 X 2 = 271 2. BCBSIL PLAN G supplement 164 X 2 = 328 3. Part D Aetna Basic 16.20 X 2 = 32.40 4. Drug CoPays & non covered meds = 100 5. Dental (no insurance) 80 Budgeted Total Monthly Costs ~ 800/900 If we’re lucky we’ll end...
by schachtw
Sun Jun 30, 2019 10:45 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3133
Views: 542568

Re: What are you up YTD? [Year To Date]

AA is 48/48/4

Up 9.5% YTD
by schachtw
Wed Jun 26, 2019 8:32 am
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans to Launch Commodities Fund
Replies: 195
Views: 26248

Re: Vanguard Announces Plans to Launch Commodities Fund

Vanguard Commodity Strategy Fund
Ticker: VCMDX
by schachtw
Sat Jun 22, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 8974

Re: How do you approach tipping at carry-out restaurants

For take out, or fast food restaurants - no can do. I agree with previous posters, tipping is gotten way out of hand.
by schachtw
Tue Jun 11, 2019 1:12 pm
Forum: Investing - Theory, News & General
Topic: Time Value of Money vs. Variable Percentage Withdrawal (VPW)
Replies: 148
Views: 14934

Re: Time Value of Money vs. Variable Percentage Withdrawal (VPW)

Cool. I updated a bit the article by adding a short section at the end introducing the 'Simple Example' calculator included in the spreadsheet. https://finpage.blog/2019/02/01/early-retirement-and-time-value-of-money/ And I've been working on the follow-up article, with more considerations about th...
by schachtw
Sat May 18, 2019 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage in Retirement
Replies: 73
Views: 6210

Re: Mortgage in Retirement - related question

I’m planning on buying a new house in the next 2 years. In that timeframe, I also plan to retire. Is there any advantage to obtaining a mortgage in such a situation if one is capable of buying the house outright? I don’t have any immediate need for money but would rather have insurance of additiona...
by schachtw
Sat May 18, 2019 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage in Retirement
Replies: 73
Views: 6210

Re: Mortgage in Retirement - related question

I’m planning on buying a new house in the next 2 years. In that timeframe, I also plan to retire. Is there any advantage to obtaining a mortgage in such a situation if one is capable of buying the house outright? I don’t have any immediate need for money but would rather have insurance of additiona...
by schachtw
Fri May 03, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1659
Views: 419748

Re: Share your net worth progression

I can easily recall 3 milestones:

1998 - 1MM (Joined the 2 comma club, was 48)
2015 - 4.4MM (retired at 65)
Current - 5.4MM
by schachtw
Mon Apr 29, 2019 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: I'm not going to run out
Replies: 62
Views: 9633

Re: Retirees: I'm not going to run out

I was confident of our financial circumstances going into retirement (4 years ago). I used all the available calculators, e.g., firecalc, Bigfoot’s RPM spreadsheet, MaxiFi, etc. All showing ample discretionary income to last well into old-old age. However, as we all know, nothing is guaranteed. I st...
by schachtw
Wed Apr 24, 2019 6:49 pm
Forum: Personal Investments
Topic: Vanguard Flagship Select Representative ??
Replies: 31
Views: 3121

Re: Vanguard Flagship Select Representative ??

I wonder how many of you are using Flagship reps to answer questions that can be answered here on Bogleheads? Bump. The post where I referenced Representative X, had to do with transferring funds between trust accounts, where we are co-trustees of each other’s trust. VG states this cannot be done o...
by schachtw
Tue Apr 23, 2019 1:06 pm
Forum: Personal Investments
Topic: Vanguard Flagship Select Representative ??
Replies: 31
Views: 3121

Re: Vanguard Flagship Select Representative ??

I’m at the Flagship Select level. Last summer I requested a change, and was turned down. No explanation, no reason offered, nothing. That's not good. How did you request the change? Did you give a reason for wanting to change? Years ago, I called and the call went to a random very knowledgeable rep...
by schachtw
Mon Apr 22, 2019 9:58 pm
Forum: Personal Investments
Topic: Vanguard Flagship Select Representative ??
Replies: 31
Views: 3121

Re: Vanguard Flagship Select Representative ??

Has anybody on the Forum had success with asking for a particular Personal Flagship Representative ?? I recently got into the category for a Flagship Select & Vanguard promptly changed my Representative, who I was quite happy & content with for my many investing years. I kind of miss him as he was ...
by schachtw
Mon Apr 22, 2019 7:32 am
Forum: Personal Finance (Not Investing)
Topic: 10/1 ARM Conf/Jumbo vs 30yr Fixed Conf/Jumbo
Replies: 3
Views: 481

10/1 ARM Conf/Jumbo vs 30yr Fixed Conf/Jumbo

Bogleheads: I'd value community input on 4 mortgage loan options that I'm reviewing. To start, I'll share some metrics: DW and I both 68, and retired. Taxable accounts: 3.2 MM IRA accounts: 2.1 MM Pension and SS monthly revenue: 7K/month GS Marcus account 210K - to be used for down payment Housing I...
by schachtw
Sat Apr 20, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: USPS In transit Arriving Late
Replies: 37
Views: 23848

Re: USPS In transit Arriving Late

I recently sold an item on eBay. I purchased the requisite postage also via ebay’s site. The package I sent also had the status of “in transit, arriving late” status. I submitted a lost/missing inquiry on the USPS site. Info included tracking number, recipient address, sender data, etc. Within two d...
by schachtw
Wed Apr 17, 2019 1:47 pm
Forum: Personal Investments
Topic: Flagship Select
Replies: 5
Views: 1859

Re: Flagship Select

Asking for a friend, the last time I looked at the benefits of Flagship Select I didn't see much that appealed to me. It would be interesting to see in more detail how someone who uses and likes the Select program benefits from that program. I’m at the Flagship Select level. I tried buying into an ...
by schachtw
Sun Apr 14, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: [Renting now, should we purchase a condo?]
Replies: 2
Views: 211

[Renting now, should we purchase a condo?]

[Moved into a new thread from: UPDATE: How much can I spend on a house? --admin LadyGeek] UPDATE I am the OP, still house-hunting. I have found a condo I like now and am wondering (again) if it is too expensive. My numbers have changed a little from when I first posted, so I am updating. The condo ...
by schachtw
Tue Apr 09, 2019 12:30 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3133
Views: 542568

Re: What are you up YTD? [Year To Date]

AA is 48/48/4

YTD +7%

Taxable:
85% VTI/VOO
15% intermediate tax exempt bonds

Tax Deferred:
100% VG Bond Funds:
Total US & Intl Bond Funds, Intermediate
investment grade

4% VG Prime MM
by schachtw
Mon Apr 08, 2019 6:38 pm
Forum: Personal Consumer Issues
Topic: Solution for a thick wallet
Replies: 58
Views: 6202

Re: Solution for a thick wallet

A previous poster alluded to a “wallet dent on their a**”.
I got tired of mine, and bought a ‘Ridge’ carbon fiber credit card wallet w/money clip. I have 8 cards total (inclusive of ID’s, insurance cards and CC’s).

I keep it my front pocket; the dent is slowly going away.
by schachtw
Fri Mar 29, 2019 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 349
Views: 57453

Re: Does anyone here with net worths north of $1 mil use financial advisors?

Wife and I both retired, mid 7 figure net worth. We were clients of VPAS, for about 1.5 years. Opted out about 2.5 years ago, and have been managing since then. We have a derivation of the 3 fund portfolio, so managing is quite easy. As an aside, I read an article regarding the future of RIA fees. T...