Search found 27 matches

by 1year23
Fri Mar 09, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: structured vs. unstructured time in retirement
Replies: 18
Views: 2235

Re: structured vs. unstructured time in retirement

I find that I am happiest when I have a structured day ahead of me. I make a daily schedule every morning while enjoying my cup of coffee.
by 1year23
Mon Feb 19, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Misc Income [how to report with no 1099]
Replies: 87
Views: 4055

Re: Misc Income [how to report with no 1099]

Did you have some expenses related to doing this job that can be deducted on Schedule C?
by 1year23
Thu Dec 21, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 5677

Re: Southwest Companion Pass [California only]

For the record, I received my companion pass about a week ago. I was able to cancel a December flight and rebook using a companion pass.
by 1year23
Fri Dec 15, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Are you prepaying real-estate taxes this year?
Replies: 16
Views: 2358

Re: Are you prepaying real-estate taxes this year?

I asked my accountant about this and he said it wouldn't help because we are subject to AMT. Did anyone else get this response?
by 1year23
Wed Dec 13, 2017 8:27 pm
Forum: Investing - Theory, News & General
Topic: Podcasts for Bogleheads?
Replies: 27
Views: 5321

Re: Podcasts for Bogleheads?

The Retirement Answer Man
by 1year23
Thu Dec 07, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversions: how far should I go in 2017?
Replies: 15
Views: 1599

Re: Roth conversions: how far should I go in 2017?

Did I miss something? Why do you care about Medicare at age 62? Isn't 65 the age you are eligible?
by 1year23
Sat Dec 02, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 5677

Re: Southwest Companion Pass [California only]

Why does it matter if the 40,000 points post in 2017 or 2018? Is that to try and get a companion pass for 2019?
by 1year23
Thu Oct 26, 2017 10:52 am
Forum: Investing - Theory, News & General
Topic: Wade Pfau’s new book: How Much Can I Spend in Retirement?
Replies: 51
Views: 13473

Re: Wade Pfau’s new book: How Much Can I Spend in Retirement?

I have not read the book but please tell me if I am understanding this correctly. If Pfau is changing the SWR to 2.5% that includes using an advisor. For the sake of easy round numbers, does that mean Bogleheads that do not use an advisor can safely assume SWR to be about 3.5% now?
by 1year23
Thu Oct 19, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 105
Views: 11624

Re: how long did it take to get used to retirement

Masterblaster,

Thanks a lot! 7 years....that's depressing!
by 1year23
Tue Oct 17, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 105
Views: 11624

how long did it take to get used to retirement

I retired from my job 3 months ago at age 59. Although I gave it a lot of thought before I actually pulled the trigger and had 3 trips planned immediately so that I was retiring TO something I am now home and experiencing let down. I guess I was just delaying the inevitable by keeping myself so busy...
by 1year23
Thu Sep 14, 2017 11:22 pm
Forum: Personal Consumer Issues
Topic: Audio books
Replies: 28
Views: 2108

Re: Audio books

You can "borrow" audio books from your public library. It usually involves downloading an app and then the library sends the book to your app and you can listen for a pre-determined amount of time and then the book is "returned' to the library and disappears from your phone
by 1year23
Thu Aug 31, 2017 4:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 21536

Re: [Are the Bogleheads] getting less interesting?

Boy, do I ever disagree. The more I read, the more I realize I don't know. Some of the answers are so nuanced that I even take notes as I read. If I ever do find myself bored, I will be so grateful that you have all taught me so much andI will try to repay by teaching others and posting more answers...
by 1year23
Tue Jun 20, 2017 10:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 311
Views: 48082

Re: Roll Call for the Retirement Class of 2017!

I can't believe I did it!! I have been agonizing about the decision to retire for several years now. I just celebrated my 59th birthday and I feel emotionally and financially prepared. I gave my notice today and will work my last day July 11th!! I am so excited about this next chapter in my life! Th...
by 1year23
Thu Jun 01, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay somebody else's bank account from mine?
Replies: 14
Views: 1197

Re: How to pay somebody else's bank account from mine?

Venmo is the best. Sign up on line with venom.com and have your daughter do the same. All the millennials use it. Free service!!
by 1year23
Mon Apr 17, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Excess Contribution Penalty Payment
Replies: 3
Views: 406

Re: Roth IRA Excess Contribution Penalty Payment

Im not qualified to answer, anyone out there with advice?
by 1year23
Thu Apr 13, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: netflix
Replies: 11
Views: 1653

netflix

I will be going to Cabo San Lucas for vacation. Does anyone know if my Netflix streaming subscription will work there?
by 1year23
Tue Apr 04, 2017 11:04 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 31645

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Can you please add me to the wait list?
Thank you
by 1year23
Tue Feb 14, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: term life insurance expiring
Replies: 5
Views: 741

term life insurance expiring

My 20 year term life insurance is expiring in a few months. The death benefit is 1.6 million which is not really needed by my family but of course would be a nice inheritance. The premium to continue this for another 10 years has gone up by a factor of 9 (from $2,000/yr to $18,000/yr) and then the p...
by 1year23
Tue Jan 24, 2017 12:58 am
Forum: Personal Consumer Issues
Topic: What's your usual retirement day like ?
Replies: 201
Views: 47139

Re: What's your usual retirement day like ?

Not retired quite yet but love imagining what it will be like. I am sure I'll still wake up early but have time to exercise, drink coffee while I enjoy the paper. Can't wait to try new things without feeling rushed. Love to hear how retirees are spending their days. Do you limit yourself when it com...
by 1year23
Thu Nov 03, 2016 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Family Trust: insurance
Replies: 1
Views: 465

Family Trust: insurance

My husband and I set up a family trust and we are the trustees of the trust. Our home was transferred into the trust along with other assets. Is it necessary to change the name of the insured on our homeowners policy from our name to the name of the trust? Will the insurance company allow this? What...
by 1year23
Wed Oct 26, 2016 2:05 pm
Forum: Personal Consumer Issues
Topic: What podcasts do you listen to?
Replies: 67
Views: 8980

Re: What podcasts do you listen to?

Retirement Answer Man is a wonderful weekly podcast that I think many Bogleheads would enjoy :D
by 1year23
Sun Aug 28, 2016 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: can I average out my RLE?
Replies: 3
Views: 492

can I average out my RLE?

Thank you in advance to anyone that answers which seems to me to be a very simple question but I have never seen specifically asked. If my RLE is for example 160K a year, and will be for the next 10 years until we take SS. Then with both my husband and I taking SS, our expenses are reduced by that a...
by 1year23
Thu Aug 18, 2016 9:33 am
Forum: Investing - Help with Personal Investments
Topic: spreadsheet [to organize a portfolio]
Replies: 23
Views: 2657

spreadsheet [to organize a portfolio]

I would like to organize my finances on a spreadsheet. I am not looking for anything too fancy but something easily readable and that can be modified over time. Is it overkill to learn an Apple version of Excel or is there a simpler way? What have Bogleheads found works best? Thanks!
by 1year23
Fri Aug 12, 2016 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa 2% cash back
Replies: 73
Views: 12249

Re: Fidelity Rewards Visa 2% cash back

Is the cash back reported as interest ? Do you need to report it when doing your income taxes?
by 1year23
Mon Apr 04, 2016 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Flexible Annuity options
Replies: 5
Views: 481

Re: Flexible Annuity options

Thank you so much!! :D
by 1year23
Mon Apr 04, 2016 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Flexible Annuity options
Replies: 5
Views: 481

Re: Flexible Annuity options

why isn't anyone responding?
by 1year23
Mon Apr 04, 2016 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Flexible Annuity options
Replies: 5
Views: 481

Flexible Annuity options

Wow I just found this site a couple of weeks ago and I am so impressed by the responses and the generosity of posters to spend their time giving nuanced and sophisticated answers to us newbies. :D :D My question involves a Riversource Flexible Portfolio Annuity that I bought over 30 years ago. It wa...