Search found 1383 matches

by fortfun
Sat Jan 19, 2019 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card for International Travel
Replies: 32
Views: 1552

Re: Best Credit Card for International Travel

Chase Sapphire and Cap 1 Venture. Carry them separately. Ideally, spouse will have another card too.
ATM - Charles Schwab (But I would take at least one other ATM card from another bank just incase you have problems. Carry them separately.)
by fortfun
Sat Jan 19, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Sicily over Italian cities?
Replies: 21
Views: 1083

Re: Sicily over Italian cities?

Last summer, we did a big Europe vacation, which included Italy. I'd say you must at least see Venice, Rome, Cinque Terre, etc. at least once. Yes, they are crowded but so amazing. Flights on Ryan air are very cheap, I'd try to incorporate some of them into your vacation.
by fortfun
Fri Jan 18, 2019 11:46 pm
Forum: Personal Consumer Issues
Topic: Car reviews - Consumer Reports or other sources?
Replies: 41
Views: 3063

Re: Car reviews - Consumer Reports or other sources?

Lastly, be aware that the reliability data is skewed by sample selection. The data is harvested by questioning CR subscribers about the reliability of their vehicles, not by questioning the general public nor reviewing repair data industry wide. As a result, you get "confirmation bias" in the data....
by fortfun
Fri Jan 18, 2019 10:22 pm
Forum: Personal Consumer Issues
Topic: UPDATE-Best way to heat basement?
Replies: 20
Views: 2206

Re: UPDATE-Best way to heat basement?

For those following this post, I just added a 12"x12" register directly on one of the main supply lines in the basement. This seems to have done the trick. The basement is currently the same temperature as the 2nd floor. Now for a little drywall repair and touch up paint. Thanks for the helpful sugg...
by fortfun
Thu Jan 17, 2019 10:54 pm
Forum: Personal Consumer Issues
Topic: Car Rental - Getting specific type of car
Replies: 19
Views: 1249

Re: Car Rental - Getting specific type of car

You will be just fine with AWD. Colorado keeps the roads well plowed, sanded, etc. Even if you ended up in a front wheel drive, you'd be fine with a cheap set of emergency tire chains from walmart on your way up the pass. We don't get snow here like we used to. Most of us drive AWD highlanders, rav4...
by fortfun
Thu Jan 17, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: In the market for a new dryer
Replies: 20
Views: 1308

Re: In the market for a new dryer

Our dryer has finally died after 15 years of service. It was a Whirlpool, turn the timer and start type of dryer. We decided we would get a new one and not try to fix the one we have. Is Maytag/Whirlpool still the go to brands? Any model you would recommend. We do not care for fancy features and pr...
by fortfun
Wed Jan 16, 2019 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: What is US Bank up to?! Easy Checking Secret Changes!
Replies: 11
Views: 1333

Re: What is US Bank up to?! Easy Checking Secret Changes!

Years ago, US BANK offered "Free Checking." Then they changed it to "Easy Checking" and only allowed it to stay free if you met certain direct deposit minimums or balance minimums. I always read the fine print in my statements and they announced last month that there will soon be changes to Easy Ch...
by fortfun
Wed Jan 16, 2019 8:03 pm
Forum: Personal Consumer Issues
Topic: In the market for a new dryer
Replies: 20
Views: 1308

Re: In the market for a new dryer

Our dryer has finally died after 15 years of service. It was a Whirlpool, turn the timer and start type of dryer. We decided we would get a new one and not try to fix the one we have. Is Maytag/Whirlpool still the go to brands? Any model you would recommend. We do not care for fancy features and pr...
by fortfun
Wed Jan 16, 2019 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle Fraud? But how? What now?
Replies: 32
Views: 3186

Re: Zelle Fraud? But how? What now?

You will probably get your money back but you might consider switching to another bank. I think most of the banks only allow Zella to transfer $150, the first time, until the relationship has been approved and this is after you have opted into using the service. Yep, once this gets resolved - I'll ...
by fortfun
Wed Jan 16, 2019 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle Fraud? But how? What now?
Replies: 32
Views: 3186

Re: Zelle Fraud? But how? What now?

You will probably get your money back but you might consider switching to another bank. I think most of the banks only allow Zella to transfer $150, the first time, until the relationship has been approved and this is after you have opted into using the service.
by fortfun
Wed Jan 16, 2019 7:12 pm
Forum: Personal Consumer Issues
Topic: finding a good plumber
Replies: 19
Views: 1291

Re: finding a good plumber

I need to find a good plumber to address some issues I've been putting off for way to long. How would you go about finding a plumber who did good work for a fair price? What's the issue? Is it something you could do yourself? I've been teaching my son how to remove the sinks' ptraps and unclog drai...
by fortfun
Wed Jan 16, 2019 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for modest early retirement in 5yrs. Questions & Feedback.
Replies: 36
Views: 2406

Re: Preparing for modest early retirement in 5yrs. Questions & Feedback.

Thanks for the specific numbers WillThrill81. This is extremely helpful and gives us something concrete to aim for. As a family, we've decided to go ahead and spend some money on travel/vacation. If I also fill my 401k, this would essentially take up our vacation money. It's a tough decision but I ...
by fortfun
Wed Jan 16, 2019 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for modest early retirement in 5yrs. Questions & Feedback.
Replies: 36
Views: 2406

Re: Preparing for modest early retirement in 5yrs. Questions & Feedback.

... Not included above. HSA 7k 529s 67k & 58k (DW could stay at university for 1/2 price tuition, if necessary). Future Contributions (next 5 years) Her 457 19k/yr Her 403b 19k/yr Her Defined Contribution 15k/yr His 457 19k/yr His 401k 0k/yr His Roth 6k/yr Her Roth 6k/yr Total 420k over 5 years. Qu...
by fortfun
Wed Jan 16, 2019 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for modest early retirement in 5yrs. Questions & Feedback.
Replies: 36
Views: 2406

Re: Preparing for modest early retirement in 5yrs. Questions & Feedback.

What should we invest in with the 457s? Bonds, since we will need them sooner? I doubt that I'd fill the 457s with bonds, at least no this far out. But it does seem reasonable for that money to be invested more conservatively than the 401k/403b accounts. Also, when she hits 50, we could do the 6k+ ...
by fortfun
Wed Jan 16, 2019 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for modest early retirement in 5yrs. Questions & Feedback.
Replies: 36
Views: 2406

Re: Preparing for modest early retirement in 5yrs. Questions & Feedback.

Ages: 45, DW47. Kids: 10 &12. Possibly retire at 50(5yrs). Can work longer/part-time as necessary. Pension at 50. 67k/yr till both die. 1.5% COLA after 3 years. Will cover living expenses. Would like 30k-40k/yr for travel/misc expenses. Fed tax rate 22%. State 4.6% Colorado. Mortgage 118k 3% 9yrs r...
by fortfun
Wed Jan 16, 2019 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 212
Views: 14042

Re: Why are your NOT buying rental properties?

Why not hire a good property manager. Yeah, it will take time and there are plenty of good and honest property managers out there. Been there, done that. Property managers charge 10%, which will suck the lifeblood out of any investment. And the one I had stole from me. She was the one that everyone...
by fortfun
Wed Jan 16, 2019 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 212
Views: 14042

Re: Why are your NOT buying rental properties?

Why not hire a good property manager. Yeah, it will take time and there are plenty of good and honest property managers out there. Been there, done that. Property managers charge 10%, which will suck the lifeblood out of any investment. And the one I had stole from me. She was the one that everyone...
by fortfun
Wed Jan 16, 2019 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for modest early retirement in 5yrs. Questions & Feedback.
Replies: 36
Views: 2406

Re: Preparing for modest early retirement in 5yrs. Questions & Feedback.

As usual, thanks for the wonderful advice retiredjg! I think my wife will probably drop down to half-time until she hits 55. This could have an additional benefit. The law allows 401k/403b plans to allow penalty free withdrawals to people who retire in or after the year they reach 55. If she does w...
by fortfun
Wed Jan 16, 2019 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for modest early retirement in 5yrs. Questions & Feedback.
Replies: 36
Views: 2406

Re: Preparing for modest early retirement in 5yrs. Questions & Feedback.

Honestly your biggest future expense and uncertainty is not the health insurance. It is the 2 kids ages 10 and 12. Yes I know there are millions who raise kids on salaries that are smaller than your future pension. But still. As the parent of 3 kids ages 12, 15, and 20 I can tell you that kids are ...
by fortfun
Wed Jan 16, 2019 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for modest early retirement in 5yrs. Questions & Feedback.
Replies: 36
Views: 2406

Re: Preparing for modest early retirement in 5yrs. Questions & Feedback.

How to fund retirement from 52 to 59.5? Two 457s with 100k and two roth IRAs with 60k? The retirement expenses are already covered by the pension. There will be about $200k available from the two 457 accounts. I think you need to make that $200k last till 59.5 if you can. That would be in the neigh...
by fortfun
Wed Jan 16, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Website/Tool for HOA
Replies: 16
Views: 1132

Re: Website/Tool for HOA

boglerdude wrote:
Tue Jan 15, 2019 3:30 am
https://www.mygreencondo.net/
Do you like them? Just had a conference call. Looks very good for the money.
by fortfun
Wed Jan 16, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 3857

Re: Any good reason to get a smartwatch?

Just got an ecobee3 thermostat due to trying to keep the temperatures in the house regulated better. It's kind of cool but I wish they offered some kind of 2 factor authentication. I'm afraid someone will hack my account and turn my heater up to 90 degrees. It is kind of nice to know the house isn't...
by fortfun
Wed Jan 16, 2019 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Preparing for modest early retirement in 5yrs. Questions & Feedback.
Replies: 36
Views: 2406

Re: Preparing for modest early retirement in 5yrs. Questions & Feedback.

Honestly your biggest future expense and uncertainty is not the health insurance. It is the 2 kids ages 10 and 12. Yes I know there are millions who raise kids on salaries that are smaller than your future pension. But still. As the parent of 3 kids ages 12, 15, and 20 I can tell you that kids are ...
by fortfun
Tue Jan 15, 2019 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for modest early retirement in 5yrs. Questions & Feedback.
Replies: 36
Views: 2406

Re: Preparing for modest early retirement in 5yrs. Questions & Feedback.

Questions: -How to fund retirement from 52 to 59.5? Two 457s with 100k and two roth IRAs with 60k? If you can get your mortage paid off a few years early that would reduce your expenses some during those years. I would not use a Roth during those years for anything unless you got above the 12% fede...
by fortfun
Tue Jan 15, 2019 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for modest early retirement in 5yrs. Questions & Feedback.
Replies: 36
Views: 2406

Re: Preparing for modest early retirement in 5yrs. Questions & Feedback.

My bad!! I completely missed the 529 account values. Much better position, and more so if your children can obtain half tuition through your wife. Are the 529 amounts included in your total of $723K? No, I separated them out. Of course, if they don't go to college, we could use the money :) Trying ...
by fortfun
Tue Jan 15, 2019 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for modest early retirement in 5yrs. Questions & Feedback.
Replies: 36
Views: 2406

Re: Preparing for modest early retirement in 5yrs. Questions & Feedback.

Honestly your biggest future expense and uncertainty is not the health insurance. It is the 2 kids ages 10 and 12. Yes I know there are millions who raise kids on salaries that are smaller than your future pension. But still. As the parent of 3 kids ages 12, 15, and 20 I can tell you that kids are ...
by fortfun
Tue Jan 15, 2019 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for modest early retirement in 5yrs. Questions & Feedback.
Replies: 36
Views: 2406

Re: Preparing for modest early retirement in 5yrs. Questions & Feedback.

Honestly your biggest future expense and uncertainty is not the health insurance. It is the 2 kids ages 10 and 12. Yes I know there are millions who raise kids on salaries that are smaller than your future pension. But still. As the parent of 3 kids ages 12, 15, and 20 I can tell you that kids are ...
by fortfun
Tue Jan 15, 2019 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for modest early retirement in 5yrs. Questions & Feedback.
Replies: 36
Views: 2406

Re: Preparing for modest early retirement in 5yrs. Questions & Feedback.

livesoft wrote:
Tue Jan 15, 2019 10:19 pm
fortfun wrote:
Tue Jan 15, 2019 10:18 pm
Thanks Livesoft! What is one to do if the market crashes and you need to use money from those buckets?
You stop spending money by lowering your expenses.
:oops: Good point!
by fortfun
Tue Jan 15, 2019 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for modest early retirement in 5yrs. Questions & Feedback.
Replies: 36
Views: 2406

Re: Preparing for modest early retirement in 5yrs. Questions & Feedback.

If you have not read the entire series from EarlyRetirementNow on sustained withdrawal rates, then now is great time to start in on that: https://earlyretirementnow.com/2016/12/07/the-ultimate-guide-to-safe-withdrawal-rates-part-1-intro/ I think you will see that you probably should not put bonds i...
by fortfun
Tue Jan 15, 2019 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for modest early retirement in 5yrs. Questions & Feedback.
Replies: 36
Views: 2406

Re: Preparing for modest early retirement in 5yrs. Questions & Feedback.

Jimmie wrote:
Tue Jan 15, 2019 10:08 pm
Any thoughts on how health insurance costs are going to be funded?
Out of pocket :(
I have an okay option through my pension but will still likely be expensive. DW may work a bit longer to assist with this cost.
by fortfun
Tue Jan 15, 2019 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for modest early retirement in 5yrs. Questions & Feedback.
Replies: 36
Views: 2406

Preparing for modest early retirement in 5yrs. Questions & Feedback.

Ages: 45, DW47. Kids: 10 &12. Possibly retire at 50(5yrs). Can work longer/part-time as necessary. Pension at 50. 67k/yr till both die. 1.5% COLA after 3 years. Will cover living expenses. Would like 30k-40k/yr for travel/misc expenses. Fed tax rate 22%. State 4.6% Colorado. Mortgage 118k 3% 9yrs re...
by fortfun
Tue Jan 15, 2019 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle? Passive Income?
Replies: 71
Views: 8395

Re: Side Hustle? Passive Income?

I'm curious to hear of any side hustles or passive income strategies that Bogleheads pursue to either supplement their W2 job or eventually not have to work their traditional W2 job. I'm currently 29, have zero debt other than my house, and make a six-figure salary. I have a 50%+ savings rate and e...
by fortfun
Tue Jan 15, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: Website/Tool for HOA
Replies: 16
Views: 1132

Re: Website/Tool for HOA

JamesSFO wrote:
Tue Jan 15, 2019 12:16 am
Our ~250 unit HOA recently got G Suite for our board we all now have email (e.g. boardmember-firstname@hoaname.org) and Google Drive. This means that the board members can have a GDocs with say a phone list/etc.
Is that $5 per person per month? If so, may be cost prohibitive for us.
by fortfun
Tue Jan 15, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Website/Tool for HOA
Replies: 16
Views: 1132

Re: Website/Tool for HOA

Thanks for the suggestions everyone!
by fortfun
Mon Jan 14, 2019 10:59 pm
Forum: Personal Consumer Issues
Topic: Website/Tool for HOA
Replies: 16
Views: 1132

Re: Website/Tool for HOA

Bogle7 wrote:
Mon Jan 14, 2019 10:56 pm
GoDaddy
Any specific tool/site from GoDaddy or just the generic website that comes with some bells and whistles?
by fortfun
Mon Jan 14, 2019 10:57 pm
Forum: Personal Consumer Issues
Topic: UPDATE-Best way to heat basement?
Replies: 20
Views: 2206

Re: Best way to heat basement?

A few things to consider: 1. Use the Ecobee to run the fan 50 minutes out of each hour. Keep air circulating. 2. Cold air sinks, warm air rises. Nothing we can do about that. 3. The sun shining during the day can keep the main floor and top floors at temperature. The furnace doesn't run. Cold air p...
by fortfun
Mon Jan 14, 2019 10:54 pm
Forum: Personal Consumer Issues
Topic: UPDATE-Best way to heat basement?
Replies: 20
Views: 2206

Re: Best way to heat basement?

OP-fortfun - I read quickly all of the posts and didn't see something that happened in a rental we owned, so I will mention it. Not being a HVAC expert, we bought a house and the basement was basically unusable from January till March. THERE WAS NO COLD AIR RETURN. If you don't have any, you might ...
by fortfun
Mon Jan 14, 2019 10:49 pm
Forum: Personal Consumer Issues
Topic: Website/Tool for HOA
Replies: 16
Views: 1132

Website/Tool for HOA

I've been tasked with finding a website/tool for our little of HOA of less than 100 homes. We have a small budget. It will be used primarily to house the regulations, minutes, communication, etc. It would be nice if it included some way to capture email/communication from/to the board. We might try ...
by fortfun
Mon Jan 14, 2019 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: After tax contribution OR roth conversion?
Replies: 31
Views: 821

Re: After tax contribution OR roth conversion?

It would be nice to see all the data in one place. Since this is an early retirement and since you need the 457b money to live on in the first several years, I'm coming around to thinking that filling 3 accounts (including two 457bs) with traditional contributions is reasonable for your situation ....
by fortfun
Mon Jan 14, 2019 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: After tax contribution OR roth conversion?
Replies: 31
Views: 821

Re: After tax contribution OR roth conversion?

Current ages (45 &47). Possible early retirement ages (50 & 52). Pension (68k/yr till both die, will cover living expenses). Your problem is going to be that $68k will not be worth much 40 years after you retire and each of you could live that long. Any possibility of a COLA on the pension(s)? ---W...
by fortfun
Mon Jan 14, 2019 4:29 pm
Forum: Personal Consumer Issues
Topic: Credit score dropped dramatically, while credit has been frozen
Replies: 31
Views: 1935

Re: Credit score dropped dramatically, while credit has been frozen

About a year and a half ago I was one of the victims of the Equifax breach. I froze my credit at the time to be safe. October 2017 I briefly opened it back up to apply to an apartment rental, and they needed to check my credit. It was 795 at the time. I re-froze my credit right away after the check...
by fortfun
Mon Jan 14, 2019 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: After tax contribution OR roth conversion?
Replies: 31
Views: 821

Re: After tax contribution OR roth conversion?

Even if he is retiring at 40, that would even be scarier to me since he has so much more time for the tax-deferred accounts to grow, assuming he doesn't withdraw too much from them. Remember, the more you are able to save when you are young, the more time you have for compounding to work. And when ...
by fortfun
Mon Jan 14, 2019 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: After tax contribution OR roth conversion?
Replies: 31
Views: 821

Re: After tax contribution OR roth conversion?

Pension (68k/yr till both die, will cover living expenses). Does this start at 50/52? ----Yes. However, we should each have about 60k in Roth IRAs and we should each have about 100k in 457s. Are you the couple who has 2 401ks, 2 403bs, and 2 457bs? If yes, are you telling me that none of those 6 ac...
by fortfun
Mon Jan 14, 2019 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: After tax contribution OR roth conversion?
Replies: 31
Views: 821

Re: After tax contribution OR roth conversion?

1. Her employer's website says if she uses the roth version of the 457, the money cannot be withdrawn until 59.5. We will need it before then. That's pretty much unexpected and makes no sense at all, at least not to me. Spirit Rider, are you around? I can confirm that I have seen that before. A rel...
by fortfun
Mon Jan 14, 2019 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: After tax contribution OR roth conversion?
Replies: 31
Views: 821

Re: After tax contribution OR roth conversion?

He says he is trying to prepare for possible early retirement. If he is retiring at 61, I would agree with you. If he is retiring at 40, I would not have any concern about RMD's. I would be hesitant to recommend Roth conversions in the 22% bracket without more information. Even if he is retiring at...
by fortfun
Mon Jan 14, 2019 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: After tax contribution OR roth conversion?
Replies: 31
Views: 821

Re: After tax contribution OR roth conversion?

The only roth is my wife's 457 which she can already access when she separates from her employer at age 52. Why does that make a difference? Two things: 1. Her employer's website says if she uses the roth version of the 457, the money cannot be withdrawn until 59.5. We will need it before then. 2. ...
by fortfun
Mon Jan 14, 2019 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: After tax contribution OR roth conversion?
Replies: 31
Views: 821

Re: After tax contribution OR roth conversion?

Why not put it in Roth? Doesn't that achieve the same thing? Surely one of those 3 plans has a Roth option? The only roth is my wife's 457 which she can already access when she separates from her employer at age 52. I'll double check on this but I know my 401k does not and I don't think her 403b do...
by fortfun
Mon Jan 14, 2019 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: After tax contribution OR roth conversion?
Replies: 31
Views: 821

Re: After tax contribution OR roth conversion?

I was not actually recommending anything because there was not much information to go on. It seemed you were in a higher bracket than you are. How much head space do you have in the 12% bracket to convert at 12%? Does it make sense to you to put $54k into tax deferral and then turn around and conve...
by fortfun
Mon Jan 14, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9719

Re: Disciplined with finances, but not so with diet

Any bogleheads any diet wisdom? I've always been disciplined with saving money but can't seem to apply the same discipline to my diet. I have tried weight watchers, Jenny Craig, beach body, keto, my fitness pal...I lack discipline and get hungry. Just this week I decided to start eating the same th...