Search found 222 matches

by chuckb84
Tue Oct 16, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: Monthly vs. Annual Withdrawals
Replies: 15
Views: 1098

Monthly vs. Annual Withdrawals

This is an interesting couple of simulations using portfoliovisualizer.com. Put $769,000 in as a balance. Withdraw $48,000/year for 20 years, with a portfolio of 60% US Stock Market 20% Global Stocks Ex-US 40% Total US bond Market Don't inflation adjust withdrawals. If you withdraw $48,000 once a ye...
by chuckb84
Sat Oct 13, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 2797

Re: Pacific Northwest trip

It's been decades, almost 4 decades, since I lived in Seattle, but: Go to Deception Pass. Just stunning. In Seattle, you can't beat Ray's Boathouse at sunset. You're right on Puget Sound and the sun sets behind the Olympic Mountains (Olys!). Have a Full Sail IPA or any of the MANY Pacific NW brews. ...
by chuckb84
Sat Oct 06, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9580

Re: What is your annual cost for health insurance?

I'm a retired Fed. BCBS Federal basic is $4K year for the family, only very slightly less for "retiree plus one", which we'll switch to as the kids both pass age 26. I think Uncle continues to pay about $8K/year.

Max out of pocket for the family is $11K/year.
by chuckb84
Sat Oct 06, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 12657

Re: What purchase saved you the most money?

Every dime spent on education. Mine. My wife's. Our kids. The payback is enormous, in dollars and in other ways. My DW stressed a great deal over the $25K-ish that we spent when the kids were very young so she could finish a Masters degree. In just 5 years, I think the payback at 1000%. All the educ...
by chuckb84
Wed Sep 19, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Can I really retire? Please check my math and poke holes.
Replies: 48
Views: 5838

Re: Can I really retire? Please check my math and poke holes.

Can I really retire? Please check my math and poke holes. I'm tentatively planing to retire Fall of 2019. Before I hand in my paper work I'd like to have a double (triple, quadruple) check on my plan. I figure we need about $72k before taxes to live a comfortable life. We want that level of income ...
by chuckb84
Tue Jul 24, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Verizon streaming issues
Replies: 32
Views: 1419

Re: Verizon streaming issues

Our Verizon Fios internet speed is 75/75. I have two Samsung Smart TVs and whenever two people try to watch Netflix or Amazon at the same time, we have issues and get an insufficient bandwidth message. Doesn't seem to be an issue if it's a TV and a tablet. Is this a Verizon router/wifi issue? Or is...
by chuckb84
Wed Jul 18, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 433
Views: 56916

Re: Flaunt Your High-Mileage Car

2003 Honda Pilot, 188,000 miles, runs like new. I guess by boglehead standards, it isn't very high mileage, but give me a few more years :D Also, two BMW motorcycles! Not "high mileage", but the K75 is 23 years old (46,000 miles), and the 1150RT is a youngster at 14 years old and 26,000 miles. I've ...
by chuckb84
Fri Jul 06, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 160
Views: 12449

Re: What time do you get up in the morning?

Since I retired, I just wake up when the light (or my bladder) wake me up. Since waking up early no longer has any association with going to work, I really enjoy sunrises as much as sunsets. One of my favorite early morning activities is riding the motorcycle to a yoga class just after sunrise. Grea...
by chuckb84
Tue Jun 19, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 47
Views: 4416

Re: iPad Pro 12.9": Replacement for Laptop?

I have been traveling with an old laptop, smaller iPad Pro and a Kindle. Instead of a new laptop, I am considering replacing all 3 devices with a 12.9 inch iPad and Apple Smart Keyboard. My computing needs consist of Keynote presentations, word processing, email and the web. I am wondering if anyon...
by chuckb84
Sat Jun 16, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 59
Views: 5818

Re: What are your hobbies?

Cycling.
Yoga and pilates.
Working on and riding classic BMW motorcycles.
Helping DW with her art projects.
Poking at our investment portfolio, and then having the good sense to (mostly) leave well enough alone.
by chuckb84
Tue Jun 05, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: New SS claiming calculator ["Open Social Security" - ObliviousInvestor]
Replies: 65
Views: 6107

Re: New SS claiming calculator

Here's an interesting result. If I select the healthiest mortality table and the least healthy, my results change from about $650K total spending to $414K. And this is a far larger change than the claiming age. It wants me to file at 68-ish for $650K in spending; I've already filed at 63 for a proje...
by chuckb84
Sun Apr 29, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 321
Views: 45202

Re: Good Modern Science Fiction

For the -hardest- of hard SF, try "Dragon's Egg" by Robert L. Forward. It's about a human expedition that encounters intelligent life on a neutron star. They live and evolve about 1 million times faster than humans. The Physics is superbly done, but this was his first SF novel, so the humans are pre...
by chuckb84
Sat Apr 21, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 97
Views: 13083

Re: New retirees: so whatdayathink ?

For those of you who have retired within the past year or so, how is it? Have there been any major surprises or adjustments you've had to make. Anything you need help with? Well, it's been 3 years now, so... I don't have interest in the intellectual pursuits related to my former field of work. At l...
by chuckb84
Fri Mar 30, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: New laptop purchase decision
Replies: 36
Views: 3381

Re: New laptop purchase decision

Macbook for sure. These things LAST. I'm using a 3 year old MacBook Pro and I can't tell any difference in the machine from the day I bought it, except it may be a little -faster- as macOS has been upgraded a couple of times. I just checked, and the last time this machine was restarted was 139 days ...
by chuckb84
Sun Mar 25, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: When to Take Social Security (again...)
Replies: 62
Views: 6318

Re: When to Take Social Security (again...)

Lots of discussion here, and elsewhere, including a whole bunch of calculators, life expectancy, etc regarding when to take SS. The general consensus is if you don't need to the money, wait as long as possible. I'm sure, from a strictly dollars and cents perspective, that is true. However, one thin...
by chuckb84
Thu Feb 22, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 41539

Re: What UN-frugal thing do you do?

Gradually fixing up the interior of our house with premium flooring, new appliances, redoing the bathrooms, etc. It's a great location and we plan to stay until we are to old to manage the stairs, which we hopefully be some time, so I figure this is actually another sort of "investment". My wife lea...
by chuckb84
Mon Feb 12, 2018 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: TSP and otherwise for income
Replies: 14
Views: 1202

Re: TSP and otherwise for income

I recently retired and will be withdrawing 1800 monthly from my TSP to supplement FERS and SS. Currently my TSP balance is 600k. I have moderate to high risk tolerance. Since monthly withdrawals are taken proportionately from each of my TSP fund allocations, is it advisable to withdrawal a lump sum...
by chuckb84
Fri Feb 09, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1969
Views: 366138

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

-0.9%

40/60 allocation
by chuckb84
Sun Jan 28, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 10046

Re: WHY do wireless routers need periodic reboots?

It's because the electrons get tired and run slower and slower. When you reboot you put in new, more energetic electrons. Seriously: it's what we get for cheap hardware and software with many many features. There are ways to design hardware and software to be rock-solid. It's what they do for airpl...
by chuckb84
Sun Jan 28, 2018 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Turn 75,000 into 1 million
Replies: 42
Views: 7667

Re: Turn 75,000 into 1 million

Here is one piece of arithmetic you need to know how to do, and do. There are various ways to do it. Your goal is to ¨turn 75,000 into 1 million by age 65? Current age is 43. So, that is 22 years. Step one: Find out how many times 75,000 needs to be multiplied by, to reach $1 million. Answer: $1,00...
by chuckb84
Mon Jan 08, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Downsizing to one car in retirement...
Replies: 68
Views: 4947

Re: Downsizing to one car in retirement...

Question for those who are retired couples with 1 or 2 cars... I’m 20+ years away from retirement but am just curious about what happens when both members of a household are retired in terms of cars. Is it better to downsize to 1 car, and if the need ever arises where both members need the car you ...
by chuckb84
Mon Jan 08, 2018 6:32 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 188
Views: 24518

Re: Anyone disenchanted with retirement?

Just hit 7 years in retirement and things seem to be going fast, but well for me. Was wondering if anyone has been disappointed with retirement and maybe went back to work, and went did that hit? No. LOL NO. My employer asked me to work part time as a contractor after I retired. That lasted 4 weeks...
by chuckb84
Sun Jan 07, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Oil filled space heaters
Replies: 39
Views: 4699

Re: Oil filled space heaters

We got a Mica panel heater. Same power output as the oil filled type, heats up faster, and some of the oil filled ones have a terrible smell from outgassing of the plastic. (Some do, some don't, it seems to depend on manufacturing variations of time). And the Mica panel is an infrared heater, BUT th...
by chuckb84
Thu Dec 21, 2017 12:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: @@Happy Holidays Bogleheads. How others here helped you?
Replies: 49
Views: 5014

Re: Holiday thanks to Bogleheads. How have they helped you?

So many individuals who have been helpful, but I'd like to give a shout out to the whole forum for: Civility. Practicality. Knowledge, and willingness to share so freely. Patience. Encouragement. Kindness. And a really surprising breadth of sound advice on topics that go way beyond just investing. I...
by chuckb84
Sun Nov 26, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: Wifi speakers-SONOS vs Echo/Google Home
Replies: 30
Views: 3657

Re: Wifi speakers-SONOS vs Echo/Google Home

I really like our Wren. wrensound.com. Connects to the wifi and I stream music from my phone. The older ones don't do multi-room, but the sound quality is great.
by chuckb84
Tue Nov 21, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 31836

Re: Why not take Social Security at 62

I ran the numbers through FireCalc at various ages I take SS, it really did not affect the outcome. I had the same results - small differences only. I also did the same thing in Fidelity RIP and again, only small differences. I'm in my mid 50's and assumed living till 95.... I got similar results w...
by chuckb84
Mon Nov 20, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 7320

Re: Uber for someone who knows only taxis

Uber is great. Seriously great, and much better than taxis. Cleaner, nicer cars, nicer drivers, and once you have the app on your phone, trivial to use. It's also cheaper than taxis, with one exception: surge pricing. When demand in a particular spot spikes, Uber imposes surge prices. Theoretically,...
by chuckb84
Mon Nov 20, 2017 9:33 am
Forum: Investing - Theory, News & General
Topic: Is investing with Vanguard a tragedy of the commons?
Replies: 41
Views: 5698

Re: Is investing with Vanguard a tragedy of the commons?

Yes, it could be a tragedy of the commons. A tragedy of the commons is any situation where economic actors rely on a common resource without bearing the costs of keeping the common resource available, generally because property rights have not been appropriately assigned, such that the common resou...
by chuckb84
Tue Nov 14, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: IPHONE 8, X
Replies: 39
Views: 3032

Re: IPHONE 8, X

hi, is the iPhone X worth the $$$ or the 8 is good enough?? I think the 8 is fine. I personally think "Face ID" is a solution in search of a problem, that the fingerprint sensor is better, and Apple's war on buttons has now gone too far. The iPhone 8 is really more like an iPhone 6SSS, and the logi...
by chuckb84
Mon Nov 13, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: What's your weighted average expense ratio?
Replies: 65
Views: 4589

Re: What's your weighted average expense ratio?

There was a previous large thread on this:

viewtopic.php?f=10&t=192998

The results, when I tabulated them were:

"The average ER is around 0.14%, the low is 0.04%, the high is 0.62%"

Mine is a about 0.05%; thank you TSP.
by chuckb84
Sat Nov 11, 2017 8:27 pm
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 82
Views: 11074

Re: Retirees: I got this!!

I retired 18 months ago and it has been simple because of my pension. Pension makes it alot easier to feel secure. At least with the Florida Pension. I plan not to touch my investments for another 7 years. I will just have to decide how much more will I need each month. Question, what is the best w...
by chuckb84
Thu Nov 09, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 3654

Re: Bicycle wheels - what's a reasonable budget

I am planning to upgrade my stock wheels on my mid-high end carbon fiber bike early next year. Looked at various options and reviews online, talked to fellow cyclists, and LBS wheel guys, etc. Many different outputs, still undecided, but somewhat sure that I am not spending on high end all carbon w...
by chuckb84
Mon Oct 30, 2017 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: What’s a safe formula for assets needed to retire?
Replies: 58
Views: 5883

Re: What’s a safe formula for assets needed to retire?

What is a safe formula on assets needed for retirement? I dislike a simplistic formula, but I suggest run this: http://www.flexibleretirementplanner.com/wp/ or this: https://www.i-orp.com/delta/extended.html And you'll have a pretty good idea. Play with different scenarios and you'll get a good ide...
by chuckb84
Sat Oct 28, 2017 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 19264

Re: What was the main reason you retired?

What was the main reason you retired? Here are some examples of reasons I assume one would retire: 1) Hit your number 2) The amount of your contributions no longer made a meaningful difference in the size of your portfolio 3) Lost the motivation to pursue money 4) Had enough of your work environmen...
by chuckb84
Thu Oct 26, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Dad's portfolio. He's 92.
Replies: 3
Views: 873

Suggestions for Dad's portfolio. He's 92.

This is a summary of my Dad's retirement accounts over the past 10 years. He's turning 92 and just made me an administrator of his accounts....just in case. My Mom is 88 and in poor health.I am now the same age Dad was when he retired, and I have to say, I'm impressed and hope to follow his example!...
by chuckb84
Thu Oct 26, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: What is going on with the home insurance rates?
Replies: 53
Views: 6754

Re: What is going on with the home insurance rates?

I just got a renewal notice from AAA for my home insurance for next year. It goes up from around $1,900 to $2,700, an increase of more than 40%. Note that I have not had any claims for the past 8 years, at least. So I called another insurance company to get a quote, which is $5,900. I am still wait...
by chuckb84
Thu Oct 19, 2017 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 128
Views: 20853

Re: TSP to Vanguard?

In reference to Oncorhynchus's comment above - the House has passed a budget resolution that contains the following language regarding savings that could be obtained by shrinking the return of the G fund... (via My Federal Retirement) The resolution "assumes savings by correctly aligning the rate o...
by chuckb84
Wed Oct 18, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 116
Views: 13602

Re: Converting to Safety Razors

I took the plunge about a year ago. Edwin Jagger DE86 safety razor. Israeli red personna blades. What I really love are the soaps and creams like Taylor of Old Bond Street's grapefruit cream, Mitchell's Wool Fat soap, and Tabac. Learned at lot at the Badger & Blade forums. I still have trouble shav...
by chuckb84
Thu Oct 12, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: SUV options with 3 little kids
Replies: 57
Views: 5293

Re: SUV options with 3 little kids

Minivan. Just get over it and do it

I don't know if it is still true, but the Pilot and Odyssey used to be the same chassis, transmission and engine, the just body was different. So, if you like the Pilot, the Odyssey is the same mechanically.
by chuckb84
Wed Oct 11, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Card - Should I get a Replacement
Replies: 47
Views: 3631

Re: Social Security Card - Should I get a Replacement

My wife had to get a new ss card when she applied for her TX driver license. They wanted to see the actual card. Other than that, I can't think any other time that we have to show the actual card. That happened to me too. Same in New Mexico. BTW, SS cards, once, long ago, had printed on them "For S...
by chuckb84
Tue Oct 10, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: Best weight loss resources?
Replies: 54
Views: 3910

Re: Best weight loss resources?

I've lost around 30 pounds year to date, now down to 140. Hoping for a little bit more before year end. I did it using an app called "lose it" and weighing myself every day. I did a very restricted calorie diet for the first two months, making sure that the only calories I ate were high in protein ...
by chuckb84
Mon Oct 09, 2017 6:00 pm
Forum: Investing - Theory, News & General
Topic: Why is inflation so low? Moore's law?
Replies: 33
Views: 5241

Re: Why is inflation so low? Moore's law?

Moore's law may or may not be dead; when the advent of quantum computing arrives all bets are off. Google claims their Quantum computer will be up to 100,000,000 times faster than your current laptop. https://www.sciencealert.com/google-s-quantum-computer-is-100-million-times-faster-than-your-lapto...
by chuckb84
Sun Oct 08, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 128
Views: 20853

Re: TSP to Vanguard?

"I suppose another work around would be to increase your TSP withdrawal to more than you need. Then every other month or every 3rd month roll that payment into a Vanguard IRA (using the 60 day rollover method). I think this could get tedious doing a rollover 4 to 6 times a year, but maybe not." That...
by chuckb84
Sun Oct 08, 2017 11:48 am
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 128
Views: 20853

Re: TSP to Vanguard?

Two questions on this. I have essentially all of our 401K money in the TSP. I am considering switching to Vanguard for more choices, but mostly for more flexible withdrawal options. We are now in the annual period in which I can change my monthly withdrawal amount and I find this very restrictive an...
by chuckb84
Fri Oct 06, 2017 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees, how and how much do you pay for health insurance?
Replies: 33
Views: 5125

Re: Retirees, how and how much do you pay for health insurance?

Retired Fed with Federal BCBS that I kept after retiring. I'm 63, DW is 61, so no Medicare yet. Family plan for us and 2 children who are still (just barely) under age 26: $551/month. No dental, and no vision included in that.
by chuckb84
Sun Oct 01, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Suggestions for 22 year old daughter's portfolio?
Replies: 29
Views: 2830

Re: Suggestions for 22 year old daughter's portfolio?

First, THANK YOU, everyone for the feedback! On specifics: 1. The BTC Lifepath funds are an ER of about 1.0 to 1.1%, so I was trying to avoid those. 2. I was wrong, VTWIX is 0.11%, nor 0.04%. Still a great deal. 3. Yes, she bought a new car for $30K, but she watched us keep cars for 15+ years, so I ...
by chuckb84
Sat Sep 30, 2017 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Suggestions for 22 year old daughter's portfolio?
Replies: 29
Views: 2830

Suggestions for 22 year old daughter's portfolio?

My younger daughter has graduated college (computer science major!) and has her first "real" job. She has a great 401K plan. She's putting in 10% of pre-tax salary and her employer puts in 7.5%. She has all the choices below, and based on just a phone conversation, I recommended: FXAIX, an S&P index...
by chuckb84
Fri Sep 29, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Seattle in 3 days
Replies: 38
Views: 3833

Re: Seattle in 3 days

Well, it's been decades since I lived in Seattle, but: Ray's boathouse for sure. If the weather is at least tolerable, and you bring that Maine hardiness, sit on the deck and watch the sunset behind the Olympics. Unbeatable. Ivar's! Personally, I like the one (if it is still there) near the Universi...
by chuckb84
Fri Sep 29, 2017 11:14 am
Forum: Investing - Theory, News & General
Topic: 3 stages of Financial Independence
Replies: 63
Views: 9328

Re: 3 stages of Financial Independence

I'm retired 2.5 years and kind at Level 2-ish, and quite happy to have made the decision to not do MMY to be closer to level 3. I like your rough assessment of how people feel about prospective or current retirement, but a stage, or perhaps better, a milestone, that I I remember quite well along the...
by chuckb84
Mon Sep 25, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 326
Views: 58014

Re: Any books really change your outlook on life?

Meditations, Marcus Aurelius Zen and the Art of Motorcycle Maintenance, Robert Pirsig The Feynman Lectures, Richard Feynman And in a different vein, three books that showed what large endeavors can do and how they can succeed: The Path Between the Seas, David McCoulogh The Making of the Atomic Bomb,...