Search found 12283 matches
- Wed Mar 27, 2024 10:21 pm
- Forum: Personal Consumer Issues
- Topic: Washington DC trip ideas
- Replies: 20
- Views: 835
Re: Washington DC trip ideas
Library of Congress.- at the time of my visit, thr contents of President Lincoln’s pockets were on display.. Surprisingly mving.
- Wed Mar 27, 2024 5:55 pm
- Forum: Personal Finance (Not Investing)
- Topic: Kahneman's "Thinking, Fast and Slow" Is Out!
- Replies: 30
- Views: 7307
- Tue Mar 26, 2024 9:10 pm
- Forum: Personal Investments
- Topic: Apple ... stay the course or scale back?
- Replies: 177
- Views: 33433
Re: Apple ... stay the course or scale back?
I say my life became much calmer when I sold Apple and another stock. Sell and stop watching stocking spending brain cells deciding to buy , sell or hold based on news.
- Tue Mar 26, 2024 12:47 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medicare question with no work history
- Replies: 28
- Views: 2232
Re: Medicare question with no work history
Wife can get medicare on husband’s record. Part A - hospital coverage.needs to be 65 and must enroll. No cost. Part B - enroll in and Pay for this - pays for doctor’s office visit - monthly or quarterly fee to medicare. Part D - enrollment is optional but a good idea - prescription drugs - month - needs to select a provider. Monthly Payment required. Medicare supplemental covers good part of the gaps of coverage of Part B. Pay a private insurer for this. All of this may cost an individual. $400-500 a month. It certainly is not free. Many people obtain medicare by via marriage to someone who has paid into the system.. This is not new. Part D or MA drug coverage is not optional. You will be penalized for every year you don't sign up, by payi...
- Tue Mar 26, 2024 12:45 pm
- Forum: Personal Finance (Not Investing)
- Topic: What percentage should I negotiate to sell my house?
- Replies: 18
- Views: 1245
Re: What percentage should I negotiate to sell my house?
I don’t think the real estate process has changed that much yet,
- Mon Mar 25, 2024 3:06 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medicare question with no work history
- Replies: 28
- Views: 2232
Re: Medicare question with no work history
Wife can get medicare on husband’s record.
Part A - hospital coverage.needs to be 65 and must enroll. No cost.
Part B - enroll in and Pay for this - pays for doctor’s office visit - monthly or quarterly fee to medicare.
Part D - enrollment is optional but a good idea - prescription drugs - month - needs to select a provider. Monthly Payment required.
Medicare supplemental covers good part of the gaps of coverage of Part B. Pay a private insurer for this.
All of this may cost an individual. $400-500 a month. It certainly is not free.
Many people obtain medicare by via marriage to someone who has paid into the system.. This is not new.
Part A - hospital coverage.needs to be 65 and must enroll. No cost.
Part B - enroll in and Pay for this - pays for doctor’s office visit - monthly or quarterly fee to medicare.
Part D - enrollment is optional but a good idea - prescription drugs - month - needs to select a provider. Monthly Payment required.
Medicare supplemental covers good part of the gaps of coverage of Part B. Pay a private insurer for this.
All of this may cost an individual. $400-500 a month. It certainly is not free.
Many people obtain medicare by via marriage to someone who has paid into the system.. This is not new.
- Mon Mar 25, 2024 10:24 am
- Forum: Personal Finance (Not Investing)
- Topic: Approaching parents about removing oneself from their estate
- Replies: 35
- Views: 3910
Re: Approaching parents about removing oneself from their estate
+1exodusNH wrote: ↑Mon Mar 25, 2024 9:11 amThis sounds problematic. If she says something to the other siblings, they will realize the discrepancy. To prevent potential strife, you'd have to let all of them know that you've asked your parents to direct your share to your sister. But if you don't want her to know, then they'll have to lie, which some may not want to do.
It seems so much cleaner to just gift her the money or arrange it all ahead of time, out in the open.
People get weird with grief and inheritances.
- Sun Mar 24, 2024 9:21 pm
- Forum: Personal Consumer Issues
- Topic: When brand names matter and when they don't
- Replies: 194
- Views: 11889
Re: When brand names matter and when they don't
We do not go the brand name -> buy quality product sequence, i.e., we do not readily assume that the former necessarily leads to the latter; We like to set a quality we want for our food stuff and then go about optimizing for cost without compromising on the quality. It is more often than not that the better brands end up to be the choice based on that optimization subject to our constraints. For example, these are non-negotiable for us: milk must be non-homogenized since we want to have real milk and we only drink full fat milk; for us it cannot be the remove_fat -> homogenize_fat_molecules -> put_fat_back milk any nuts can ONLY list one item in the ingredient list - that specific nut and nothing else, no salt, no nothing. olive oil must ...
- Sun Mar 24, 2024 9:13 pm
- Forum: Personal Consumer Issues
- Topic: When brand names matter and when they don't
- Replies: 194
- Views: 11889
- Sun Mar 24, 2024 6:12 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medicare: Getting Part A and D only
- Replies: 89
- Views: 4989
Re: Medicare: Getting Part A and D only
+1bradinsky wrote: ↑Mon Mar 18, 2024 8:07 amThe only thing that sucks related to being on Medicare is the part D prescription plans. If the gouging, profiteering and smoke & mirrors were eliminated, Medicare would almost be perfect.
- Sun Mar 24, 2024 3:35 pm
- Forum: Personal Finance (Not Investing)
- Topic: Share your net worth progression
- Replies: 4288
- Views: 1082163
Re: Share your net worth progression
Appreciate your response!Normchad wrote: ↑Sun Mar 24, 2024 10:50 amThat’s awesome! Congratulations, and thank you for all your contributions in this forum over the years.Dottie57 wrote: ↑Fri Mar 22, 2024 10:43 am Fyi,
I never kept track of yearly networth.
But today my retirement accounts hit a new high after 6 years of retirement. Not a big portfolio by standards of this group.
1.5m
When I was first employed as a programmer in 1982, I never imagined having this figure.
- Sun Mar 24, 2024 9:00 am
- Forum: Personal Consumer Issues
- Topic: Improving the sound from t.v.
- Replies: 30
- Views: 1893
Re: Improving the sound from t.v.
+1
My hdtv is old and Not very thin at all. It has decent sound but a sonos speaker really helps.
- Sun Mar 24, 2024 8:57 am
- Forum: Personal Consumer Issues
- Topic: Improving the sound from t.v.
- Replies: 30
- Views: 1893
Re: Soundbar
I havejust a sonoes one sl and it is better sound too.PottedPlant wrote: ↑Sat Mar 23, 2024 8:18 pm Soundbar
We have a Yamaha YAS-109 Sound Bar with Built-in Subwoofers for $200. Works well.
We have a SONOS Arc for $900. Works very well.
- Sat Mar 23, 2024 10:57 am
- Forum: Investing - Theory, News & General
- Topic: It is really that simple to do it the Bogleheads way?
- Replies: 87
- Views: 8192
Re: It is really that simple to do it the Bogleheads way?
It is that simple. But certainly not easy to stay the course during major bear markets. Also, understand that the returns are in no way guaranteed. You should not expect 8-9% during any given year, or on average. We had a "lost decade" at the beginning of this millennium, during which the S&P500 had a negative nominal return, let alone real. One can tolerate that while accumulating, but it's another thing when you're retired and drawing from the portfolio, and seeing your real purchasing power diminish. This was my second decade of investing. It was so hard to keep plowing money in and not see good results. And then just as I could see a good retirement in my future, 2008-2009 occurred. Aiy! That really hurt. Still kept inves...
- Sat Mar 23, 2024 10:48 am
- Forum: Investing - Theory, News & General
- Topic: It is really that simple to do it the Bogleheads way?
- Replies: 87
- Views: 8192
Re: It is really that simple to do it the Bogleheads way?
Thank you for saying this. During the GFC I had a hard time doing anything. So i didn’t change it and just kept contributing to 401k.TomatoTomahto wrote: ↑Sat Mar 23, 2024 7:54 am It is so easy that even I can do it. I am as dumb as a sack of hammers. I only rebalance with new money; never sell anything.
I have to ignore people’s success stories with individual stocks, but that’s no more difficult than ignoring stories about gambling wins, dating successes, etc.
I do have to give credit to employer as there were n big layoffs.
- Sat Mar 23, 2024 10:28 am
- Forum: Investing - Theory, News & General
- Topic: It is really that simple to do it the Bogleheads way?
- Replies: 87
- Views: 8192
Re: It is really that simple to do it the Bogleheads way?
This.phantom0308 wrote: ↑Sat Mar 23, 2024 5:06 am It’s simple but not easy. Expected returns look good on paper until you’re living in a bear market where the global financial system is imploding or the world economy is shutting down. Just search all the GFC threads. Lots of people who knew the data you have and thought they had a high risk tolerance capitulated.
I think 8 to 9% per year growth in the stock market is too high.
Take a look at past performance here
https://www.portfoliovisualizer.com/
- Fri Mar 22, 2024 5:41 pm
- Forum: Personal Finance (Not Investing)
- Topic: Do you assume legislative cuts in Social Security and other federal benefits?
- Replies: 49
- Views: 2127
Re: Do you assume legislative cuts in Social Security and other federal benefits?
I agree. I and employers have paid in 300k. Just verified with ssa.gov. I am planning on SS sine a lot has been paid in.
Medicare -I am not so sure about.
- Fri Mar 22, 2024 10:43 am
- Forum: Personal Finance (Not Investing)
- Topic: Share your net worth progression
- Replies: 4288
- Views: 1082163
Re: Share your net worth progression
Fyi,
I never kept track of yearly networth.
But today my retirement accounts hit a new high after 6 years of retirement. Not a big portfolio by standards of this group.
1.5m
When I was first employed as a programmer in 1982, I never imagined having this figure.
I never kept track of yearly networth.
But today my retirement accounts hit a new high after 6 years of retirement. Not a big portfolio by standards of this group.
1.5m
When I was first employed as a programmer in 1982, I never imagined having this figure.
- Thu Mar 21, 2024 6:16 pm
- Forum: Personal Investments
- Topic: money from 401
- Replies: 5
- Views: 659
Re: money from 401
What is it currently invested in? Without that information, we cannot accurately assess what the current risk is, and what steps can be taken to reduce the risk further. But speaking in general terms -- if I were you, I would put 5 years worth of expenses in a PRINCIPAL-SAFE instruments (think money-markets, CDs, Series I Savings Bonds; but definitely *NOT* a bond fund), and then let the rest of it ride it in the stock market. Even with that decision, I am taking a risk that if a stock market downturn occurs, it will recover within 5 years. Which may not be true, there was at least one "lost decade" in which the stock market took almost 10 years to recover the previous high. At 67 , I put X years of cash into a mutual fund. Easil...
- Thu Mar 21, 2024 6:01 pm
- Forum: Personal Consumer Issues
- Topic: Replacing Xfinity (Comcast) modem
- Replies: 39
- Views: 3086
Re: Replacing Xfinity (Comcast) modem
This thread is only talking about the modem, right? If I bought a compatible modem, I would also need to ger a good strong router for my 1400 sq ft condo. Correct?
- Thu Mar 21, 2024 5:06 pm
- Forum: Personal Consumer Issues
- Topic: Ethan Allen Furniture
- Replies: 32
- Views: 3654
Re: Ethan Allen Furniture
Gven the context, I was referring to new furniture.
My home is filled with older furniture of good quality. Most of it comes from my parent’s house after they died. Full bedroom suite, lr side tables and coffee table, dining room table and chairs.
- Thu Mar 21, 2024 4:56 pm
- Forum: Personal Finance (Not Investing)
- Topic: Simple things like writing a check, balancing a checkbook, depositing, withdrawing, interest. Teach a child... but how?
- Replies: 39
- Views: 2607
- Thu Mar 21, 2024 10:12 am
- Forum: Personal Finance (Not Investing)
- Topic: Simple things like writing a check, balancing a checkbook, depositing, withdrawing, interest. Teach a child... but how?
- Replies: 39
- Views: 2607
Re: Simple things like writing a check, balancing a checkbook, depositing, withdrawing, interest. Teach a child... but h
Start with smaller goal. Perhaps play the board game Monopoly? Playing "Monopoly," definitely. This flies under the radar as "educational" because it isn't billed that way, but the number of ways in which "Monopoly" is educational is incredible. Just put aside the fact that none of it is numerically realistic, and think of the way it introduces the rough ideas of handling money, mental arithmetic, the idea that a mortgage is a loan and needs to be paid back--but with interest, probabilities, investing in capital (putting houses on a property and collecting rent), trying to judge relative values, probability, and so on and forth. The other thing I would say is simply make the kid aware of what you are doing whe...
- Wed Mar 20, 2024 1:46 am
- Forum: Personal Consumer Issues
- Topic: How does a landline phone decrease my bundle cost
- Replies: 52
- Views: 3327
Re: How does a landline phone decrease my bundle cost
More readons:
During storms in summer amd winter, power out and sometimes so is cell tower.
I don’t get cell service in m condo. Emergency during internet service outage is problematic.
- Wed Mar 20, 2024 1:26 am
- Forum: Personal Finance (Not Investing)
- Topic: What did you do today to increase your income? [Financial]
- Replies: 64
- Views: 4244
Re: What did you do today to increase your income?
What was your maters degree in?Impatience wrote: ↑Wed Mar 20, 2024 12:44 am Continuing to grind through local community college classes despite earning my masters degree 3 months ago so I can eventually add an additional professional certification (CPA). It will pay off in the long run. Can never stop…
- Tue Mar 19, 2024 8:43 pm
- Forum: Personal Consumer Issues
- Topic: Ethan Allen Furniture
- Replies: 32
- Views: 3654
Re: Ethan Allen Furniture
Because the family used to be in the retail furniture business more than 30 years ago and had houses full of the older stuff as well as Drexel Heritage, I pulled up some Ethan Allen pages to see how the case goods are constructed. Here's one I looked at: www.ethanallen.com/en_US/shop-furniture-bedroom-night-tables/alec-night-table/385516.html "Alec Night Table $870.00 Now $739.50" "Crafted from primavera and maple veneers, rubberwood solids, cherry for drawers, sides and back* Pull-out shelf above drawer Finished back" "*Other materials may be used on internal and secondary components Made in Honduras to Ethan Allen's standards and specifications Scored top One drawer Packaged weight: 59 lbs. Product images may be ...
- Tue Mar 19, 2024 8:38 pm
- Forum: Personal Consumer Issues
- Topic: Ethan Allen Furniture
- Replies: 32
- Views: 3654
Re: Ethan Allen Furniture
If there is a room and board near you take a look.Coltrane75 wrote: ↑Tue Mar 19, 2024 2:46 pm We’re shopping for a bed and are looking for good quality stores. We’ve been to Bernie and Phyls and Crate and Barrel.
There is Jordans. Dont know much else.
- Tue Mar 19, 2024 8:36 pm
- Forum: Personal Consumer Issues
- Topic: Ethan Allen Furniture
- Replies: 32
- Views: 3654
Re: Ethan Allen Furniture
All furniture is expensive.Glockenspiel wrote: ↑Tue Mar 19, 2024 2:10 pm We went into an Ethan Allen a few months ago and thought the quality looked pretty good, but the prices were absolutely insane.
I’ve bought furniture and most is still going strong.
- Tue Mar 19, 2024 9:18 am
- Forum: Personal Finance (Not Investing)
- Topic: Did you use Real Estate to build wealth?
- Replies: 72
- Views: 9356
Re: Did you use Real Estate to build wealth?
No. I used the plain , unexciting vehicle called a 401k where Money was deducted from every paycheck for 30 years. Decisions were minimal - percent deducted and asset allocation. The magic of compounding worked. As someone not in mgmt I was able to stop z working at 61.
The slow way worked
The slow way worked
- Tue Mar 19, 2024 9:18 am
- Forum: Personal Finance (Not Investing)
- Topic: Did you use Real Estate to build wealth?
- Replies: 72
- Views: 9356
Re: Did you use Real Estate to build wealth?
No. I used the plain , unexciting vehicle called a 401k where Money was deducted from every paycheck for 30 years. Decisions were minimal - percent deducted and asset allocation. The magic of compounding worked. As someone not in mgmt I was able to stop z working at 61.
The slow way worked
The slow way worked
- Mon Mar 18, 2024 3:10 pm
- Forum: Investing - Theory, News & General
- Topic: Which industry will benefit from new real estate commission fee structure?
- Replies: 120
- Views: 9465
- Mon Mar 18, 2024 3:01 pm
- Forum: Investing - Theory, News & General
- Topic: Which industry will benefit from new real estate commission fee structure?
- Replies: 120
- Views: 9465
- Sun Mar 17, 2024 9:25 am
- Forum: Personal Investments
- Topic: HELP - what to invest in for 750,000 windfall
- Replies: 14
- Views: 2056
Re: HELP - what to invest in for 750,000 windfall
Are you currently maximizing the contributions to all tax-deferred / tax-advantaged vehicles? 1) $23k at an employer retirement plan: 401(k), 403(b), 457(b) 2) $7k for Roth IRA 3) $10k in I-bonds purchases per year per SSN 4) Any Mega Backdoor opportunity at your employer? If you aren't doing at least the first three, do it. If this results in a shortfall from your paycheck, use this $750k windfall for living expenses. Do you own a home, if so is there a mortgage on it, and if so, what is the rate? If the rate is anything above 4.5%, it is worth paying off that mortgage than investing. If it is anything more than 3.5% and you are *NOT* itemizing deductions (taking the standard deduction on your tax returns), then it is also worth paying it...
- Sat Mar 16, 2024 5:05 pm
- Forum: Personal Consumer Issues
- Topic: I will need a new car or repair one
- Replies: 46
- Views: 2210
Re: I will need a new car or repair one
What is comparable Japanese car that is being considered? Model Y is good but drive it and see if it works for you. For me it has a few deal breakers like the harsh suspension and no sunroof shade. Also had someone mention the seat foam is not very durable. I would want to wait till the refresh before considering the M-Y because I think they will soften the ride. BMW are money pits and they aren’t even fun to drive anymore. So I would get rid of it. Agree. Model Y refresh coming in late 2024. So you can likely get the older model marked down before the rollout, or get a much better vehicle after. Can you limp the existing car for a year? That is, is it just squeaks at this time? Just squeaks at the moment. I think i will try to limp it for...
- Sat Mar 16, 2024 12:46 pm
- Forum: Personal Finance (Not Investing)
- Topic: Am I crazy for considering a home purchase.
- Replies: 19
- Views: 1645
Re: Am I crazy for considering a home purchase.
My answer is anecdotal.
When I bought my first home I had to redo my spending. Some extras needed to be cut. I expect that many home owners bought homes and then had to cut back. The idea of putting the PITI - current rent into savings/investments. I also think that counting on free childcare forever is hazardous.
You have to think about for your future and increased expenses now. And build in flexibility -to handle job loss, both parents not working etc, death of parents.
When I bought my first home I had to redo my spending. Some extras needed to be cut. I expect that many home owners bought homes and then had to cut back. The idea of putting the PITI - current rent into savings/investments. I also think that counting on free childcare forever is hazardous.
You have to think about for your future and increased expenses now. And build in flexibility -to handle job loss, both parents not working etc, death of parents.
- Fri Mar 15, 2024 6:33 pm
- Forum: Investing - Theory, News & General
- Topic: Great news! No more [fixed real estate] agent commission
- Replies: 238
- Views: 22619
Re: No more agent commission
Metrics only work if it is within the agent’s control. Bad market, poor pricing by the owners, property on a noisy street are not in the agen’s control.Rocky Mtn Man wrote: ↑Fri Mar 15, 2024 10:07 amI imagine it would be based on metrics in a contract at the start of the sale.
Base pay of x, and a bonus of y if the house sells in z weeks, and 10% of the profit if a house sells over $xxx,000.
I'm not sure how it would work for the buyer's agent.
- Fri Mar 15, 2024 4:45 pm
- Forum: Personal Consumer Issues
- Topic: Do you need to carry your health insurance card?
- Replies: 75
- Views: 7477
Re: Do you need to carry your health insurance card?
+1bob60014 wrote: ↑Sat Sep 16, 2023 8:46 am. (bolded mine)MCST wrote: ↑Sat Sep 16, 2023 8:10 am Should you carry your health insurance card in your wallet? Why or why not?
I always have, assuming that if I were seriously injured I’d want first responders to see I have private insurance and take me to a good hospital.
But, I recently read that it can be dangerous if you lost your wallet. Someone could use your insurance for fraudulent claims.
Sorry, that's not how it works for emergencies in most areas. You'll be taken to the closest available location. Besides, first responders don't give a darn about what type of insurance you may or may not have.
- Fri Mar 15, 2024 12:24 pm
- Forum: Personal Consumer Issues
- Topic: Signing Listing Agreement Sunday. Any actionable steps with NAR lawsuit?
- Replies: 16
- Views: 1974
Re: Signing Listing Agreement Sunday. Any actionable steps with NAR lawsuit?
My spouse and I are selling our home and are going with a full-service Realtor. We agreed to terms with the Realtor on Wednesday and are planning to sign the listing contract Sunday. Going rates for good Realtors in our area have historically been 6%, which we agreed to along with a number of concessions for marketing our home. We've just been made aware of the National Assoc of Realtors lawsuit with today's NYTimes article. The article makes it sound like commissions may undergo a market correction, but with no sense of timeline or if commissions will be explicitly controlled or left to market forces. With regards to this lawsuit, is there anything actionable my spouse and I should do prior to signing the listing agreement Sunday? Does th...
- Thu Mar 14, 2024 10:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: Open Social Security - 1st Year Benefits
- Replies: 12
- Views: 1295
Re: Open Social Security - 1st Year Benefits
Benefits are paid in arrears. So you earn the benefit in Month X and are paid in X+1. Start dates are confusing which is where the "month after 62nd" birthday comes from. The important rules are: - You "attain" a particular age on the day before your birthday. So, if you are born on May 1, you will attain age 62 on April 30. - You are eligible for a benefit on the first month that you are a particular age through the entire month. So if you are born on the 1st or 2nd of the month, you are eligible to start in that month. If you are born on the 3rd or later, you are eligible in the month after. But for normal (aka full) retirement age or just determining your age when fililng, it's the month you attain that age, but you ...
- Thu Mar 14, 2024 10:06 pm
- Forum: Personal Finance (Not Investing)
- Topic: How much should I leave to nieces/nephews vs. siblings vs. charity I'm passionate about?
- Replies: 66
- Views: 5590
Re: How much should I leave to nieces/nephews vs. siblings vs. charity I'm passionate about?
My brother inherits bulk of my assets. His son will probably get some money from dad. An amount leave some to my SIL explicitly.
Also about 25k to a friend I’ve known for 40 years.
Also about 25k to a friend I’ve known for 40 years.
- Thu Mar 14, 2024 7:54 pm
- Forum: Personal Finance (Not Investing)
- Topic: Open Social Security - 1st Year Benefits
- Replies: 12
- Views: 1295
Re: Open Social Security - 1st Year Benefits
Benefits are paid in arrears. So you earn the benefit in Month X and are paid in X+1. Start dates are confusing which is where the "month after 62nd" birthday comes from. The important rules are: - You "attain" a particular age on the day before your birthday. So, if you are born on May 1, you will attain age 62 on April 30. - You are eligible for a benefit on the first month that you are a particular age through the entire month. So if you are born on the 1st or 2nd of the month, you are eligible to start in that month. If you are born on the 3rd or later, you are eligible in the month after. But for normal (aka full) retirement age or just determining your age when fililng, it's the month you attain that age, but you ...
- Thu Mar 14, 2024 4:51 pm
- Forum: Personal Finance (Not Investing)
- Topic: Open Social Security - 1st Year Benefits
- Replies: 12
- Views: 1295
Re: Open Social Security - 1st Year Benefits
Sorry my birthday is mid MARCH, Corrected it in my post.RickBoglehead wrote: ↑Thu Mar 14, 2024 4:43 pmDottie57 wrote: ↑Thu Mar 14, 2024 4:27 pmDoesn’t the benefit start themonth AFTER your birthday?Silk McCue wrote: ↑Thu Mar 14, 2024 4:22 pm The benefit for each month is paid out the following month. It’s just the way it’s implemented. You will receive x months worth of benefit but the December benefit will be received in January.
Cheers
If my birthday is in middle of May, the benefit starts in April and I get my first payment in May. Am I correct?
No.
If your birthday is mid-May, benefits start in May. May benefits are paid in June.
- Thu Mar 14, 2024 4:30 pm
- Forum: Investing - Theory, News & General
- Topic: 5M, probably enough to retire to a frugal lifestyle
- Replies: 180
- Views: 15760
Re: 5M, probably enough to retire to a frugal lifestyle
My spin is that I would like more but I have enough. When I get SS I will feel rich. Everything is good.
- Thu Mar 14, 2024 4:27 pm
- Forum: Personal Finance (Not Investing)
- Topic: Open Social Security - 1st Year Benefits
- Replies: 12
- Views: 1295
Re: Open Social Security - 1st Year Benefits
Doesn’t the benefit start themonth AFTER your birthday?Silk McCue wrote: ↑Thu Mar 14, 2024 4:22 pm The benefit for each month is paid out the following month. It’s just the way it’s implemented. You will receive x months worth of benefit but the December benefit will be received in January.
Cheers
ETA correcting birth month.
If my birthday is in middle of March, the benefit starts in April and I get my first payment in May. Am I correct?
- Thu Mar 14, 2024 4:15 pm
- Forum: Personal Consumer Issues
- Topic: Happy Pi Day! (And what pie?)
- Replies: 54
- Views: 4645
Re: Happy Pi Day! (And what pie?)
I loved them as an adult!
Ooh. Just looked and they don’t have the crust I remember - crackly crispy.
- Thu Mar 14, 2024 4:12 pm
- Forum: Personal Consumer Issues
- Topic: Quaker Oats Recall Coupons Pretty much Useless
- Replies: 9
- Views: 1140
Re: Quaker Oats Recall Coupons Pretty much Useless
Bring other family members to also check out.catnamedspot wrote: ↑Thu Mar 14, 2024 3:45 pmI tried, but the self checkout won't accept them.tashnewbie wrote: ↑Thu Mar 14, 2024 3:44 pm Could you just do 3 separate self-checkout purchases (or regular checkout)?
Sounds frustrating.
- Thu Mar 14, 2024 4:06 pm
- Forum: Investing - Theory, News & General
- Topic: 5M, probably enough to retire to a frugal lifestyle
- Replies: 180
- Views: 15760
Re: 5M, probably enough to retire to a frugal lifestyle
Thanks!
- Thu Mar 14, 2024 12:12 pm
- Forum: Personal Investments
- Topic: "Rich Man's Roth" / 7702
- Replies: 37
- Views: 5559
Re: "Rich Man's Roth" / 7702
You just exited a life insurance plan last month (https://www.bogleheads.org/forum/viewtopic.php?p=7729812#p7729812), so why do you feel you need to buy another? Or more generally, what is special about your situation that makes investing in the boring-as-dirt mix of 401k, traditional or Roth IRA, and taxable accounts that everyone else uses inappropriate or inadequate? A good question as I was not considering it. I do not have access to a 401k, I do however have a pension that I have another 10 years until I can access and in reality another 23 years to max out, I am maxing out my traditional IRA that I moved over from NWM, as well as my HSA that has enough cash to cover my out of pocket max and the rest is put into a Schaub account for m...
- Wed Mar 13, 2024 9:45 pm
- Forum: Investing - Theory, News & General
- Topic: Where does your [investing] inspiration come from?
- Replies: 31
- Views: 3117
Re: Where does your inspiration come from?
My inspiration was knowing I wanted more than SS in retirement. The easiest, most consistent way for me to retire was a 401k.
Fortunately my options in 401k were pretty good and became really good with my last 401k - vanguard index funds for stock.
Bogleheads is the cherry on top.
It really confuses me when people seem so oblivious to the need to save and invest for retirement.
Fortunately my options in 401k were pretty good and became really good with my last 401k - vanguard index funds for stock.
Bogleheads is the cherry on top.
It really confuses me when people seem so oblivious to the need to save and invest for retirement.
- Wed Mar 13, 2024 11:08 am
- Forum: Personal Finance (Not Investing)
- Topic: Preparing for Marriage
- Replies: 47
- Views: 4823
Re: Preparing for Marriage
Agreed there. I make it very clear on my goals for the future and show her what we need to do to achieve them and how much needs to go where. I am definitely the more financially savvy one and these types of things is what I genuinely enjoy doing. I have no problem creating a budget and enforcing saving/paying down debt to the tune of 'we can't go out to eat tonight because we are over our budget for the month and would have to dip into savings'. She may not like it, but it's for the better. Oh, wow. No. Way off. These are decisions y’all need to make together if you want this thing to work out This. If OP wants to overpower his wife, then stop and don’t get married. A lot of fiance's are very agreeable before marriage, and then turn out t...