Search found 35 matches

by Hubris
Wed Sep 19, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Experiences downsizing to single car
Replies: 34
Views: 3149

Re: Experiences downsizing to single car

We were down to 1 car we owned and a company car, then I changed jobs in 2015 and had to give up the company car so bought a new Honda Fit as our “city car”, as DS’ AWD SUV is our road trip/mountains car. However, that was right when I started to Uber to the airport instead of driving (& parking) an...
by Hubris
Thu Aug 02, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: Hiking vacation in November - any recomendations?
Replies: 35
Views: 2204

Re: Hiking vacation in November - any recomendations?

Completely agree with Big Bend as a great option, having lived there (Alpine, TX) for a few years. Fly into Midland if coming from the east or El Paso if coming from the West. Also, check out Alpine, Marfa (minimalist art capital) and Fort Davis (including Davis Mtns State Park). Just be realistic a...
by Hubris
Thu Aug 02, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Hiking vacation in November - any recomendations?
Replies: 35
Views: 2204

Re: Hiking vacation in November - any recomendations?

Completely agree with Big Bend as a great option, having lived there (Alpine, TX) for a few years. Fly into Midland if coming from the east or El Paso if coming from the West. Also, check out Alpine, Marfa (minimalist art capital) and Fort Davis (including Davis Mtns State Park). Just be realistic a...
by Hubris
Sat Jun 23, 2018 9:58 pm
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 75
Views: 9840

Re: Do you invest in Real Estate ? Why ?

1. Yes 2. Got into it from my business and needing to build a specialized commercial building, which led me into some creating & executing some Friend & Family investment groups, and then a variety of things such as development (micro in scale), multi-family apt building ownership, 1031 transactions...
by Hubris
Sun Jun 17, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 39185

Re: Bogleheads, tell me about your 40's?

58 now, and while keeping this to "40's", will say that turning 40 coincided with 15 years of turbulence, some of which was enjoyable, fun and productive and some of which was challenging, stressful and a waste of time, money and attention. Back to the '40's, it kicked off my first informal sabbatic...
by Hubris
Tue Jun 12, 2018 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: long term care insurance
Replies: 113
Views: 6458

Re: long term care insurance

Ok, lets assume ltc inflation is the same as your policy's inflation 5%. Assume you go on claim in 25 years. Assume claim lasts 3 years, how much extra out of pocket costs will you incur due to no inflation other than the continuation of benefit rider? Thanks, Pintail, that helps as does your menti...
by Hubris
Mon Jun 11, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: long term care insurance
Replies: 113
Views: 6458

Re: long term care insurance

Pintail, I don’t follow your question, can you clarify?
by Hubris
Sun Jun 10, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: long term care insurance
Replies: 113
Views: 6458

Re: long term care insurance

pintail07 wrote:
Sun Jun 10, 2018 5:35 pm
Hubris, does your policy compound inflation benefit on just the continuous of benefit portion or on all benefits?
Just compounds on the continuation rider, although @ 5%. We could have chosen no inflation protection, 3% or 5%.
by Hubris
Sun Jun 10, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: long term care insurance
Replies: 113
Views: 6458

Re: long term care insurance

Thanks WoW2012. The homework was good, to remind me of some of the original decision-making and details, especially the 5% compounding of the continuation rider.
by Hubris
Sun Jun 10, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: long term care insurance
Replies: 113
Views: 6458

Re: long term care insurance

OP, to the part of your question about hybrid policies, we have this type of coverage and are pretty pleased with it, especially the fixed pricing for life. Here’s my post about it from 2016: “My wife (53) and I (56)bought LTC last year, via a universal life product with a lump sum premium and annu...
by Hubris
Sat Jun 09, 2018 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: long term care insurance
Replies: 113
Views: 6458

Re: long term care insurance

OP, to the part of your question about hybrid policies, we have this type of coverage and are pretty pleased with it, especially the fixed pricing for life. Here’s my post about it from 2016: “My wife (53) and I (56)bought LTC last year, via a universal life product with a lump sum premium and annu...
by Hubris
Sat Jun 09, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: long term care insurance
Replies: 113
Views: 6458

Re: long term care insurance

OP, to the part of your question about hybrid policies, we have this type of coverage and are pretty pleased with it, especially the fixed pricing for life. Here’s my post about it from 2016: “My wife (53) and I (56)bought LTC last year, via a universal life product with a lump sum premium and annua...
by Hubris
Tue May 22, 2018 7:56 am
Forum: Investing - Theory, News & General
Topic: Roth IRA contributions during semi-retirement?
Replies: 14
Views: 892

Re: Roth IRA contributions during semi-retirement?

my MIL does this, she’s 75 and earning money from writing. Her income from all sources including SS is about breakeven with her expenses so the Roth IRA contributions come from her taxable savings. She’s got a modest amount of total savings but this is the third year in a row that she’s made a Roth ...
by Hubris
Thu May 17, 2018 9:33 pm
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 264
Views: 53907

Re: What's the ideal safe retirement net worth target?

Relative to the issue of whether to count a pension as an asset for net worth, I look at net worth as the Balance Sheet in which case one would count either purchase value or liquidation value. If the pension terminates at the owner’s death, then liquidation value = $0.00 although one can consider i...
by Hubris
Mon Apr 30, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Staged Retirement
Replies: 12
Views: 2231

Re: Staged Retirement

Thanks everyone for the additional responses, very useful as we continue our reflection and planning.
by Hubris
Sun Apr 29, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Staged Retirement
Replies: 12
Views: 2231

Re: Staged Retirement

Thanks everyone for the replies thus far. Great to read these perspectives esp. from those who have done it. Looking forward to more insight in the days ahead. A few of the places we’re looking at would match up with the “suburbs approach”, especially if we stay here in the Front Range. And a few of...
by Hubris
Sat Apr 28, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Staged Retirement
Replies: 12
Views: 2231

Staged Retirement

Hi all, Checking in to see how others might have thought about or approached the idea of a staged retirement. Here’s some context, my spouse and I (and our chickens!) live in Denver, right in the city and like it a lot. We’re probably 3-5 years away from retirement and at that time would be in our e...
by Hubris
Wed Feb 21, 2018 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance
Replies: 149
Views: 9215

Re: Long term care insurance

I have just become a "Boglehead" and am interested in getting some information on best long term care insurance that would be available in the state of Pennsylvania. I greatly appreciate any advice. My father's old policy is a dream come true and I know those types of policies don't exist any more,...
by Hubris
Sat Jan 27, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity check of SS with less than 35 years earnings
Replies: 31
Views: 4295

Re: Sanity check of SS with less than 35 years earnings

Here is a good tool to play with: https://socialsecurity.tools/ Juice and Aristotelian, thank you very much for the reference link to this tool. Simply one of the most helpful and user friendly financial tools out there, IMO, and doubly true re: tools related to SS. CHEERS AND THANKS AGAIN :sharebeer
by Hubris
Thu Jan 04, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 30091

Re: Hitting The Sell Button

We’re within 5 yrs of retirement, hopefully. We use mirrored portfolios in our different accounts for reasons of being a couple that came together just a few years ago in our 50’s, but we still look at an asset allocation combined across all account; pretty easy if all the sub accounts are on target...
by Hubris
Sun Oct 15, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Boston area Relocation...major decision points
Replies: 34
Views: 3836

Re: Boston area Relocation...major decision points

Thanks, Simas. Both, significant promotion with only a modest comp increase, unfortunately.

All, I think we're all set on this and the feedback has given us information that will help us significantly.

Thank you
by Hubris
Sat Oct 14, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Boston area Relocation...major decision points
Replies: 34
Views: 3836

Re: Boston area Relocation...major decision points

Thank you, everyone for these thoughtful posts.
by Hubris
Wed Oct 11, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Boston area Relocation...major decision points
Replies: 34
Views: 3836

Re: Boston area Relocation...major decision points

Thanks, protagonist. And to be clear, not trying to get anyone to answer the questions for us, just looking for input. Thank you for yours, quite helpful.
by Hubris
Wed Oct 11, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Boston area Relocation...major decision points
Replies: 34
Views: 3836

Re: Boston area Relocation...major decision points

mouses, sorry about that:
HQ = Heaquarters
COL = Cost Of Living

What else did I miss?
by Hubris
Wed Oct 11, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Boston area Relocation...major decision points
Replies: 34
Views: 3836

Boston area Relocation...major decision points

Hi all, My Dear Spouse (DS) has an offer for a significant promotion within current organization/employer that is absolutely contingent on a relocation to HQ, to the suburbs north of Boston (Woburn) from our current home in Denver, and we need some help thinking through this. Apologies in advance fo...
by Hubris
Sat Aug 05, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: Garage ceiling bike storage
Replies: 21
Views: 1957

Re: Garage ceiling bike storage

Here's mine...use bike tubes that have had flats, loop them over the rafters. 1 for front end, 1-2 for back. Front one goes under bars and back one(s) around seat. Bonus is the elasticity...lift front of bike and loop the front tube under bars. Then you can let go of the front and lift back end to s...
by Hubris
Sun Jul 16, 2017 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Finance Q for those that have gone through Divorce
Replies: 41
Views: 4908

Re: Finance Q for those that have gone through Divorce

OP, you have my empathy for what your family is going through, it's a hard time no matter how amiable things might be or how much the change is needed. I was divorced in CO in 2011 and we used a mediator and we were fairly pleased with the process, costs, etc. The divorce was (is) mostly amiable. We...
by Hubris
Wed Apr 05, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance (LTCI): Too Expensive or Worth the Cost?
Replies: 35
Views: 5774

Re: Long Term Care Insurance (LTCI): Too Expensive or Worth the Cost?

Many folks are concerned about a long tail claim. What if one rearranged their assets to an asset that could provide a lifetime long term care benefit if care is never needed but if care is not needed the they get all the asset or more back all contractually guaranteed? Pintail07, that is essential...
by Hubris
Sat Apr 01, 2017 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Seller received insurance check for Roof replacement & wants to give check to Buyer
Replies: 7
Views: 1146

Re: Seller received insurance check for Roof replacement & wants to give check to Buyern

We were in a similar situation when we bought our house, although without the insurance component. We elected to take an allowance (credit) from the seller so we could choose the roofer, materials, etc. This allowed us to choose impact resistant materials that substantially lowered our homeowners in...
by Hubris
Wed Mar 29, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance (LTCI): Too Expensive or Worth the Cost?
Replies: 35
Views: 5774

Re: Long Term Care Insurance (LTCI): Too Expensive or Worth the Cost?

It's possible to get fixed pricing for life with hybrid coverage and certain companies, as noted in my post in this thread:

viewtopic.php?f=2&t=161468
by Hubris
Mon Jan 09, 2017 11:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: metro Denver Bogleheads?
Replies: 45
Views: 6229

Re: metro Denver Bogleheads?

I'm in
by Hubris
Sat Nov 05, 2016 7:31 pm
Forum: Investing - Theory, News & General
Topic: The Wealthy Barber Returns free eBook
Replies: 4
Views: 1784

Re: The Wealthy Barber Returns free eBook

Tortuga wrote:On first read, I thought the Wealthy Barber didn't like the free ebook so he returned it!

Tortuga
Panda Eats Shoots and Leaves
by Hubris
Tue Oct 18, 2016 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance Premium Increase
Replies: 29
Views: 3936

Re: Long Term Care Insurance Premium Increase

My wife (53) and I (56)bought LTC last year, via a universal life product with a lump sum premium and annual premiums at fixed price for life. Very useful for us. If we don't use the LTC coverage, then we have the life insurance benefit for 2nd to die, therefore creating an estate which is a seconda...
by Hubris
Thu Sep 15, 2016 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Prepaid LTC Insurance to Lock in Costs
Replies: 20
Views: 1588

Re: Prepaid LTC Insurance to Lock in Costs

Hi all, lurking for about 2 yrs but thought it worth sharing our experience in case it helps someone else. My wife (53) and I (56)bought LTC last year, via a universal life product with a lump sum premium and annual premiums at fixed price for life. Not exactly Prepaid but very useful for us. If we ...