Search found 134 matches

by metalworking
Thu Aug 30, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity's calculator suddenly more optimistic?
Replies: 12
Views: 1718

Re: Fidelity's calculator suddenly more optimistic?

Check your amounts. The full view on fidelity is apparently no longer supported. My Vanguard accounts are tied into fidelity. For some reason on the last pull it now says I have a 6 million dollar account with Vanguard (sadly i don't). My understanding is that you have to sign up for e money.
by metalworking
Sat Aug 25, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Bond Fund Dividend discrepancy
Replies: 4
Views: 450

Re: Fidelity Bond Fund Dividend discrepancy

Thought I would try one more time before calling the department of labor just to make sure i wasn't missing anything. Here is the scenario again with numbers On May 31 had 41884 shares and I did add shares during the month of june. Dividend payout on 6/29 was $1018.88 and payout was recorded as 0.02...
by metalworking
Thu Aug 23, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Short Term Health Insurance regulation changes - good for age 62 retirement?
Replies: 82
Views: 4110

Re: Short Term Health Insurance regulation changes - good for age 62 retirement?

This thread has become really fascinating. I should not purchase a short term, high deductible policy with my own money - too much risk. I should not have other taxpayers subsidize my ACA access to health care. I didn’t work for a Megacorp or Government that provides continued health care in retire...
by metalworking
Thu Aug 23, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Any suggestions on which approach for a Will
Replies: 4
Views: 735

Any suggestions on which approach for a Will

My parents in their 80's are updating the Will. Their home consists of mother, father and son who is living with them. Son works part time but has medical diagnosis and issues that mean he only works a few hours a week minimum wage and is on social security disability. If my father passes first I do...
by metalworking
Tue Aug 14, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: First time ACA coverage with question
Replies: 21
Views: 1895

Re: First time ACA coverage with question

Thanks Huey Yes i did consider cobra but it would be >$2000/month. I did call the university today and they said even if we did not sign up for fall insurance that we could get spring coverage started 1/1/19 so i think that is what we would do. I think we will put her on student insurance even if it...
by metalworking
Mon Aug 13, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: First time ACA coverage with question
Replies: 21
Views: 1895

Re: First time ACA coverage with question

Marcopolo, Did you read the page 17 of form 8962? The example about Gary and his 25 year old nondependent son? https://www.irs.gov/pub/irs-pdf/i8962.pdf Yes. It is more likely we will be in scenario 4 (other allocation methods). If i understand it correctly. A portion of the premium paid, and the S...
by metalworking
Mon Aug 13, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: First time ACA coverage with question
Replies: 21
Views: 1895

Re: First time ACA coverage with question

thanks to everyone. just got back in town and will try and process all the new info.
by metalworking
Sat Aug 11, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: First time ACA coverage with question
Replies: 21
Views: 1895

First time ACA coverage with question

I will be applying for ACA coverage during open enrollment for 2019 the first time and have a question or two. Our daughter will be graduating college at the end of may 2019. She has a job starting with health insurance in june. I am sure she wont be filed as a dependent on our taxes next year. How ...
by metalworking
Wed Aug 01, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Bond Fund Dividend discrepancy
Replies: 4
Views: 450

Re: Fidelity Bond Fund Dividend discrepancy

That is indeed what it should have paid. It did not. Last months distribution was 0.023XXXXX/share and my dividend was higher last month than this month despite the 3 factors i mentioned in my first post. Fidelity could not explain this and is looking into it
by metalworking
Wed Aug 01, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Bond Fund Dividend discrepancy
Replies: 4
Views: 450

Fidelity Bond Fund Dividend discrepancy

Earlier this year i posted that my 403b bond fund (MWTSX)seemed to give me less of a monthly dividend than expected. Since i had made a contribution partway through the month I chose to ignore it figuring it was my error. Well the July dividend posted and although 1. the price per share was increase...
by metalworking
Sun Jul 22, 2018 4:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 283
Views: 39517

Re: Roll Call for the Retirement Class of 2018!

Miriam2 wrote:
Sat Jul 21, 2018 4:44 pm
metalworking wrote:
Sat Jul 21, 2018 4:39 pm
Bummer. Looks like i have been expelled from the class. Does this mean i can't retire? :D
Maybe you didn't turn in your last term paper :P
Thanks for allowing me back in the class. I thought my spouse may have called and said she couldn't stand the idea of me being home full time. :happy
by metalworking
Sat Jul 21, 2018 4:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 283
Views: 39517

Re: Roll Call for the Retirement Class of 2018!

Bummer. Looks like i have been expelled from the class. Does this mean i can't retire? :D
by metalworking
Mon Jul 16, 2018 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 99
Views: 9790

Re: What rate of return are you using for retirement projections?

JBTX wrote:
Sun Jul 15, 2018 5:50 pm
I use around 3.0% real for entire portfolio.

I suspect most people use the lowest number that safely still meets their objectives.
:sharebeer
by metalworking
Wed Jul 04, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle is not a "buy&hold at any price goose", he looks at valuations, he sold his stocks in year 2000
Replies: 48
Views: 6849

Re: Jack Bogle is not a "buy&hold at any price goose", he looks at valuations, he sold his stocks in year 2000

DanMahowny wrote:
Wed Jul 04, 2018 6:04 pm
Yep. That's what I do, and I do it well.

Not too hard to tell if equities are expensive, or cheap.

It's common sense, not market timing.
So what are you doing now :D
by metalworking
Wed Jul 04, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Any RC hobbyists out there?
Replies: 9
Views: 1091

Re: Any RC hobbyists out there?

Dont know if you can find a road runner kit. The people in my club swear by it. Something similar is the ugly stick
by metalworking
Fri Jun 29, 2018 10:32 pm
Forum: Investing - Theory, News & General
Topic: anyone know how i can be alerted to changes in the indexes
Replies: 8
Views: 705

Re: anyone know how i can be alerted to changes in the indexes

You're very welcome, OP. Pat yourself on the back for: (1) having an IPS, (2) realizing that checking the market frequently might trip you up in sticking to your plan/staying the course, and (3) thinking about creative ways to break the habit. :sharebeer It may sound silly but i think this would ke...
by metalworking
Fri Jun 29, 2018 9:30 pm
Forum: Investing - Theory, News & General
Topic: anyone know how i can be alerted to changes in the indexes
Replies: 8
Views: 705

anyone know how i can be alerted to changes in the indexes

I have developed a bad habit of frequently checking the market and would like to break it. I wrote an IPS and I was wondering if their was any way that I could set levels in the S&P 500 index (ie text me if S&P gets to 3000 or below 2300) where i would receive a text message. It may sound silly but ...
by metalworking
Fri Jun 29, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred Comp good idea?
Replies: 18
Views: 1485

Re: Deferred Comp good idea?

Are you saying you have to take the full amount lump sum at some defined point in time or is it like my 457 where I can spread the total out over 10 years?
by metalworking
Sat Jun 23, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 21598

Re: Can you retire on $2M?

I have a rhetorical question. Why would anyone want to "retire" at age 40? What possibly would you do with all that time (that doesn't cost a lot of money)? Because when I turned 40 I saw my older sister hitting 50 have a suspected heart attack, my stepfather drop dead 6 months into retirement and ...
by metalworking
Sun Jun 10, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Retire at 55, what's the magic number
Replies: 169
Views: 23611

Re: Retire at 55, what's the magic number

The problem: Access to healthcare with guaranteed coverage for preexisting conditions. Without that I kiss early retirement goodbye. This is what I kept saying but I have come to believe that there will be no certainty in regards to healthcare for at least the next decade (likely longer). I honestl...
by metalworking
Wed Jun 06, 2018 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Withdrawing from non governmental 457
Replies: 4
Views: 201

Re: Withdrawing from non governmental 457

thanks. I do know that i can't roll it over as if it was a governmental plan. Yes i am asking that since my 457 is "deferred compensation" shouldn't i be able to contribute to a traditional IRA. For example if i get $10000 in deferred compensation next year can i contribute to a traditional IRA up t...
by metalworking
Wed Jun 06, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Withdrawing from non governmental 457
Replies: 4
Views: 201

Withdrawing from non governmental 457

Retiring at the end of this year and next year I will have to take some of my non gov 457b. I am going to withdraw the total amount over several years as I am trying to keep my taxable money low so that i can qualify for healthcare subsidy. If I find I have too much income for a subsidy can i reduce...
by metalworking
Tue May 29, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Can we retire in 2018?
Replies: 103
Views: 9030

Re: Can we retire in 2018?

Just my 0.02 cents. Everything has a risk vs benefit and you will have to decide what you are comfortable with. I am in a similar situation (a little younger and a little higher asset amount). If you can maintain your MAGI in the subsidy range (and you should be able to) the price of insurance is mu...
by metalworking
Sun May 27, 2018 5:07 pm
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 235
Views: 197115

Re: Please Try Out Test Posts Here

Sockeye wrote:
Tue Nov 07, 2017 12:59 am
Thanks. It appears the problem was that I needed to post once before having PM privileges.
testing
by metalworking
Sun May 27, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring and have questions about retirement accounts
Replies: 8
Views: 1047

Re: Retiring and have questions about retirement accounts

[/quote] If you terminate employment and are rehired later, you should be able to transfer it to an IRA. If you are merely changing the conditions of your employment, that might not be right. But saying that you will not be eligible to use their retirement plan ....it seems to me you are terminating...
by metalworking
Sun May 27, 2018 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring and have questions about retirement accounts
Replies: 8
Views: 1047

Re: Retiring and have questions about retirement accounts

I won't be drawing from my 403b I just wondered if i could transfer it all to an IRA since I might still have some employment income from the plan owner. I may be doing some Roth conversions in the future.
by metalworking
Sun May 27, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring and have questions about retirement accounts
Replies: 8
Views: 1047

Retiring and have questions about retirement accounts

I am retiring (early age 53) but may do minimal per diem work for the same company (maybe 1-2 shifts every other month). I talked to my HR department and if i do per diem they would still cover their half of social security but I would not be eligible for retirement accounts. So this makes me wonder...
by metalworking
Wed May 23, 2018 1:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 283
Views: 39517

Re: Roll Call for the Retirement Class of 2018!

Officially gave notice for Dec 2018. I figured it was helpful for them to have a longer notice and if they asked me to leave sooner i would smile and say thank you.
by metalworking
Tue May 01, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Savings bond Wizard says Rate N/A for I bonds
Replies: 19
Views: 2092

Re: Savings bond Wizard says Rate N/A for I bonds

thanks. guess it is possible but many of the bonds still display their yield. i'll try and update again tomorrow
by metalworking
Tue May 01, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Savings bond Wizard says Rate N/A for I bonds
Replies: 19
Views: 2092

Savings bond Wizard says Rate N/A for I bonds

I updated my united states savings bond wizard and for several of the I bonds (2008,2009,2014) it says the yield is N/A. I have never noticed that before and do not understand? I must admit i don't understand what the yield represents anyway but i don't think it should be N/A. Any thoughts

thanks
by metalworking
Thu Apr 26, 2018 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: When the market crashes...
Replies: 25
Views: 3702

Re: When the market crashes...

Did that in 2008-2009 with my retirement. I didn't pull anything out thankfully but new contributions went into money market. Regret doing that to this day as my balances would be so much higher today. Expensive lesson learned.
by metalworking
Sat Mar 31, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: What age is the best to give a child control of an inheritance?
Replies: 192
Views: 13566

Re: What age is the best to give a child control of an inheritance?

We chose 21. She has been responsible and we have been aggressive with discussing saving/investing etc every since a young age. We told her that we would highly recommend if something happens to call vanguard/fidelity and use their advisory service to get her invested properly. We also told her that...
by metalworking
Thu Mar 01, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: Kitchen features
Replies: 108
Views: 8749

Re: Kitchen features

Double wall oven is a must. Induction cooktop as I love the control of heat. A touch faucet is great and allows me to easily keep my hands clean and not cross contaminate kitchen surfaces. Just make sure they install the insulator between the faucet and quartz counter top. As we found out the quartz...
by metalworking
Wed Feb 28, 2018 11:45 am
Forum: Investing - Theory, News & General
Topic: Boglehead contradiction, constant asset allocation is market timing
Replies: 100
Views: 9648

Re: Boglehead contradiction, constant asset allocation is market timing

There are lots of contradictions. We also say that the past doesn't predict future result yet I am choosing my asset allocation based on comfort level with what has worked in the past.
by metalworking
Tue Feb 13, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 169
Views: 19296

Re: Number at which to stop worrying

Folks, The good thing about being unemployed for 1 year or longer a few times is A) I learned not to worry. I had to in order to survive. B) I am prepared for whatever worst case that I can imagine. For example, I am prepared for unemployment and recession lasting 5 years at any time. C) I have a p...
by metalworking
Tue Feb 06, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Want a Safe Car, Feel Guilty
Replies: 72
Views: 6048

Re: Want a Safe Car, Feel Guilty

what's the point of saving money if you are afraid to use it. By the way we love our new (gasp) 2018 camary. We got the 4 cylinder and it has enough pep for me.
by metalworking
Fri Feb 02, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 105
Views: 11511

Re: What's your cash position

I have been retired for 10 years with no pension or SS (yet). Pension starting this year. We have never had significant cash. Our bond portfolio is substantial in terms of percentage of our assets and the duration is fairly low. I think this drives home the difficulty answering this question. As ot...
by metalworking
Fri Feb 02, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 105
Views: 11511

Re: What's your cash position

If i had a pension/SS/annuity that covered my monthly expenses then i would keep minimal cash. Since i plan to retire before social security I keep enough cash equivalents (I bonds, money market, savings) to cover 5 years survival expenses. A fixed "paycheck" each month would change everything.
by metalworking
Thu Feb 01, 2018 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: confused about my bond dividend
Replies: 8
Views: 727

Re: confused about my bond dividend

thanks everyone. I am sure they are correct but just don't quite understand how they got to where they did. It also surprised me that the dividend was lower than a lot of times last year (despite reinvesting dividends) I will watch next month since i wont be rebalancing and see what happens.
by metalworking
Thu Feb 01, 2018 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: confused about my bond dividend
Replies: 8
Views: 727

Re: confused about my bond dividend

Yes i did add 175 shares mid month when rebalancing but that pales in comparison to the 41000+ shares that are in the account and i couldn't make the math work.
by metalworking
Thu Feb 01, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: confused about my bond dividend
Replies: 8
Views: 727

Re: confused about my bond dividend

Thanks for the reply. If i understand your point the reinvested shares should only account for a 3 dollar difference the way i figure it
by metalworking
Thu Feb 01, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: confused about my bond dividend
Replies: 8
Views: 727

confused about my bond dividend

I have MWTSX (a intermediate term bond fund) in my 403b. I was surprised to see my bond dividend for january lower than several months last year. i currently have 41481.355 shares and the dividend was 0.019169 per share. I'm no rocket scientist but by my math i should get approximately $795 dividend...
by metalworking
Sun Jan 28, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Investment thought loops have been destroying me
Replies: 31
Views: 1565

Re: Investment thought loops have been destroying me

I find that my anxiety about money has increased significantly as I think i have almost reached/reached my FI goal and am contemplating early retirement (and the risk that entails). Are you contemplating a major life change where the loss of money could be felt as more of acute threat. I am not tryi...
by metalworking
Sat Jan 27, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: Dalio says bonds have entered a bear market
Replies: 96
Views: 10760

Re: Dalio says bonds have entered a bear market

Just for the record, and there are many issues of how to interpret this but I think it's worth looking at... this simulation shows what happens to a rolling bond ladder that has a duration of 6.31 years, about the same as that of the Vanguard Total Bond Market Index Fund. Now, the 10-year rate has ...
by metalworking
Tue Jan 23, 2018 10:55 pm
Forum: Investing - Theory, News & General
Topic: Kitces article: A cash bucket in retirement? Nope
Replies: 150
Views: 13387

Re: Keep investing simple

Bogleheads: I have been in retirement for many years with this allocation: Money that I cannot afford to lose is in cash and bonds. The rest is in stocks. It works! :happy Please read my " Simplicity " link below. Best wishes. Taylor Can i ask your thoughts on the cash vs bonds question?