Search found 309 matches

by retire57
Mon Oct 16, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: Class B RV. Travato vs Roadtrek vs Suggestions?
Replies: 7
Views: 486

Re: Class B RV. Travato vs Roadtrek vs Suggestions?

Hi Mr. Sandtrap, I'm a fan of the Roadtreks. As a matter of fact, I am writing this from my 2010 RT Popular - all snug in a campground on Lake Erie. I'm on a month-long trip at present, and have traveled solo for 5 years and over 60,000 miles in my beloved Roadie. (DH hates to travel.) You can't bea...
by retire57
Sat Oct 14, 2017 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: First time investing - Invest now or wait?
Replies: 14
Views: 1000

Re: First time investing - Invest now or wait?

We invested a fat wad right before the 2000 tech bust. And we're doing just fine!
by retire57
Sun Oct 08, 2017 6:27 pm
Forum: Investing - Theory, News & General
Topic: Headlines du Jour [Financial news]
Replies: 4
Views: 645

Headlines du Jour [Financial news]

"Financial news doesn’t rhyme but it does repeat itself.” Helpful perspective on offer from this blogger:

http://awealthofcommonsense.com/2017/10 ... at-itself/
by retire57
Sun Oct 08, 2017 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with your empty inkjet cartridges?
Replies: 22
Views: 1487

Re: What do you do with your empty inkjet cartridges?

Big box office supply stores will recycle them.
by retire57
Sat Oct 07, 2017 8:10 pm
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 91
Views: 8783

Re: Flagship Reps

drzzzzz wrote:
Sat Oct 07, 2017 7:57 pm
LadyGeek
That's what makes Vanguard so frustrating at times - different rules, internal processes, inconsistencies, and outcomes based upon who is asking, when it occurs, and whether there is an interest in solving the issue.
That's the case with any organization.
by retire57
Sat Oct 07, 2017 1:29 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 171
Views: 11767

Re: Dividends vs. Capital Gains for Spending Needs?

[/quote] I'm not quite sure but could this be the source of some confusion: The 15% income bracket pays 0% federal qualified dividend tax... but they (retire57) didn't say they were in the 15% income bracket. They may be in the 15% dividend/cap gain bracket, which includes the 25% income bracket amo...
by retire57
Sat Oct 07, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 103
Views: 17833

Re:

Deleted.
by retire57
Sat Oct 07, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 171
Views: 11767

Re: Dividends vs. Capital Gains for Spending Needs?

The 3 fund portfolio still kicks out a lot of dividends....I'd like to have enough principle to live off dividends some day. We'll see. Why? That might require you to work longer and save more than you really need to. It might also cause you to spend down your retirement too fast. Dividend payouts ...
by retire57
Fri Oct 06, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: Selling burial plots in Alabama
Replies: 14
Views: 1070

Re: Selling burial plots in Alabama

We have 2 inherited plots to sell and the cemetery admins advised us that Craigslist is the way to go. That was a surprise. Unfortunately, they haven't sold yet but maybe you'll have better luck.
by retire57
Fri Oct 06, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Retirees, how and how much do you pay for health insurance?
Replies: 33
Views: 3949

Re: Retirees, how and how much do you pay for health insurance?

We pay just under $1K/month for a BC/BS plan carried over from employer. We are 59/63.
by retire57
Thu Oct 05, 2017 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 11049

Re: Millionaire Next Door (Thank you Bogleheads)

Yay!!! :beer BTW, folks always refer to "The Millionaire Next Door", but rarely to Dr. Stanley's other researched-based work "Stop Acting Rich". The latter is an even more informative read, IMO. Congrats to the OP, and thanks for the recommendation to retire57! :sharebeer The author's findings and ...
by retire57
Thu Oct 05, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Student Debt Advice
Replies: 17
Views: 1185

Re: Student Debt Advice

LEB1230 wrote:
Thu Oct 05, 2017 2:18 pm
I'd recommend you pick up a copy of The Total Money Makeover by Dave Ramsey and read it. I wish I had read it much earlier in life than I did. Once you are through baby step three come back here for your investing advice.
+1
by retire57
Thu Oct 05, 2017 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 11049

Re: Millionaire Next Door (Thank you Bogleheads)

Yay!!! :beer

BTW, folks always refer to "The Millionaire Next Door", but rarely to Dr. Stanley's other researched-based work "Stop Acting Rich". The latter is an even more informative read, IMO.
by retire57
Thu Oct 05, 2017 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Question on Quicken Willmaker Plus
Replies: 2
Views: 231

Re: Question on Quicken Willmaker Plus

DH and I were both able to complete separate documents with the one program.
by retire57
Wed Oct 04, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 131
Views: 18248

Re: What age did you become debt free and what opportunities did it create?

35, including mortgage. This freedom enabled us to work less and travel more. Of course, being kid-free also dramatically increased our options. :happy
by retire57
Mon Oct 02, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Used Car Purchased
Replies: 9
Views: 653

Re: Used Car Purchased

Save for the warranty purchase, you did well. Just pay the remaining balance ASAP and drive it forever. :beer
by retire57
Sun Oct 01, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: camping trailer...need to change vehicle?
Replies: 44
Views: 2626

Re: camping trailer...need to change vehicle?

That's not much hauling power at all. Even the smallest lightweight trailers start at about 2,000 pounds. Here's a website with wonderful forums full of knowledgeable and experienced people. (Sound familiar? :happy ).

http://www.rv.net/forum/

Good luck with your research!
by retire57
Sun Oct 01, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: sell an extra car, pay off debt, and roth iras
Replies: 9
Views: 812

Re: sell an extra car, pay off debt, and roth iras

Sell the RAV4, sell the MSFT shares, put that money plus the savings on the RAV4 payment and insurance for the rest of the year toward the credit card debt. Tighten your belts and make a plan to pay off the rest of credit cards by the end of next year. That should be doable, especially without the ...
by retire57
Sat Sep 30, 2017 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Two Comma Club
Replies: 17
Views: 4283

Re: Two Comma Club

Any chance you could share how you did it so fast in 4 years coming from sub-zero? It took me 13 years to go from 120K to 1.6 million and that was by beng long in solid stocks and maxing out all my tax advantage accounts every year. Yes, I would be interested to know that as well. Took us 16 years.
by retire57
Sat Sep 30, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 3957

Re: I bought a car without thinking too much about value

It's a great car. Drive it forever and, in time, it will look like a bargain!
by retire57
Fri Sep 29, 2017 4:06 pm
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 52
Views: 7268

Re: Alternative to Google Finance?

Yahoo Finance [...] Just list the tickers separated by commas in the URL https://finance.yahoo.com/quotes/vti,vxus,bnd Thank you, Ice-9, for this info! Just in time too: my Google tickers all expired again, like they do every month as I don't like to be signed in all the time; and instead, I just n...
by retire57
Thu Sep 28, 2017 9:59 am
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 192
Views: 12784

Re: Why do you LBYM? Why do you save and invest?

Watching our portfolio swell over the years means more to us than fancy houses, cars, or jewels.
by retire57
Thu Sep 28, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Zander Identity theft
Replies: 8
Views: 926

Re: Zander Identity theft

We do. In the event of i.d. theft, knowing that we will be assigned a case worker to clean up a mess that would take us untold hours of work and frustration is worth the cost.
by retire57
Wed Sep 27, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Can't place fraud alert at Equifax
Replies: 15
Views: 817

Re: Can't place fraud alert at Equifax

I was able to do that successfully yesterday afternoon, though I went through annualcreditreport.com

That portal establishes the 90-day alert for the 3 bureaus. (Or longer if you want to pay a fee).
by retire57
Wed Sep 27, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Debt Question: Pay Off Auto Loan Or Distribute To Savings?
Replies: 13
Views: 474

Re: Debt Question: Pay Off Auto Loan Or Distribute To Savings?

Yep, it's all about the math. Pay the car off.

Also do the math on how much the 5 year loan would cost you. That’s the true price of the car. Yikes!
by retire57
Wed Sep 27, 2017 10:24 am
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 52
Views: 7268

Re: Alternative to Google Finance?

Yahoo Finance [...] Just list the tickers separated by commas in the URL https://finance.yahoo.com/quotes/vti,vxus,bnd Thank you, Ice-9, for this info! Just in time too: my Google tickers all expired again, like they do every month as I don't like to be signed in all the time; and instead, I just n...
by retire57
Wed Sep 27, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 52
Views: 7268

Re: Alternative to Google Finance?

remomnyc wrote:
Tue Sep 26, 2017 1:54 pm
I can track all my holdings in Vanguard, even if they are not housed there.
Obviously. But I'm talking about watching the prices throughout the trading day. (Using the ETF-equivalent symbol).
by retire57
Tue Sep 26, 2017 11:33 am
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 52
Views: 7268

Alternative to Google Finance? [Portfolios feature deprecated]

Getting this message from Google's Portfolio Tracker :

Google Finance is under renovation. As a part of this process, the Portfolios feature won't be available after mid-November 2017. To keep a copy, download your portfolio.

Any suggested alternatives?
by retire57
Mon Sep 25, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Money Management
Replies: 94
Views: 6131

Re: Spouse Money Management

greg24 wrote:
Mon Sep 25, 2017 3:53 pm
This thread and the "girlfriend college major" thread say more about the OP than the girlfriend.
+1
by retire57
Fri Sep 22, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 4285

Re: Asking for no wedding gifts

We had 2 weddings to attend this summer. Pre-wedding, both couples happened to use the website Tie The Knot. It was great for us because all the info was available, but best of all, made gift-giving easy. Especially in the case of one couple who are minimalists and requested no material gifts. What ...
by retire57
Fri Sep 22, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Quicken Mobile app [balance discrepancy between app and PC version]
Replies: 2
Views: 264

Re: Quicken Mobile app [balance discrepancy between app and PC version]

Bump again. Who agrees with Calijim's advice to avoid the Quicken app?
by retire57
Tue Sep 19, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3015
Views: 881070

Re: What Movie Have You Recently Watched?

Banking On Bitcoin via Netflix. A thoughtful exploration of the Bitcoin phenomenon. Recommend it.
by retire57
Mon Sep 18, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: Convertible in Florida or not...
Replies: 38
Views: 2386

Re: Convertible in Florida or not...

Also live in the Southeast (AL, near the FL state line) and have owned 2 convertibles. And won't again - but not because they aren't fun. They are. But for only about 4 weeks total out of the year when it's not too cold, too rainy, too hot, or too windy. The roofs need to be replaced pretty often - ...
by retire57
Sun Sep 17, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Advise on what to do with additional savings
Replies: 27
Views: 2613

Re: Advise on what to do with additional savings

Getting out of debt should be your priority. Pay off the car quickly and start attacking that student loan debt.
by retire57
Fri Sep 15, 2017 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Let's talk about your FI # and family income [Financial Independence]
Replies: 165
Views: 15329

Re: Let's talk about your FI # and family income

Our income has varied widely over our careers while our expenses have not. It never occurred to us to determine our multiple using any number other than average annual expenditure. Doesn't make any sense.
by retire57
Thu Sep 14, 2017 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Retirees-anyone miscalculate how much was needed?
Replies: 71
Views: 8980

Re: Retirees-anyone miscalculate how much was needed?

We did not foresee paying $900/month for medical insurance in retirement. That’s why I continue to work part-time until DH is eligible for Medicare. And may continue until DH's FRA. Other than that notable exception, our expenses are what we expected. No obamacare? Medicare? We are insured by the g...
by retire57
Thu Sep 14, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Retirees-anyone miscalculate how much was needed?
Replies: 71
Views: 8980

Re: Retirees-anyone miscalculate how much was needed?

We did not foresee paying $900/month for medical insurance in retirement. That’s why I continue to work part-time until DH is eligible for Medicare. And may continue until DH's FRA.

Other than that notable exception, our expenses are what we expected.
by retire57
Wed Sep 13, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Turned down for umbrella insurance
Replies: 57
Views: 5521

Re: Turned down for umbrella insurance

Try RLI. Don't have to have other policies in order to get umbrella insurance. And no documentation of net worth required. (Found out about this company from a fellow BH).
by retire57
Thu Sep 07, 2017 4:08 pm
Forum: Investing - Theory, News & General
Topic: Dividends and Withdrawal Rate
Replies: 39
Views: 3292

Re: Dividends and Withdrawal Rate

I understand that the "experts" categorize dividends as a withdrawal from your portfolio. But it just feels a lot safer than selling shares to fund withdrawals. I personally do not consider taking a 2% dividend as a 2% withdrawal from my portfolio. So how is it different, other than perhaps a small...
by retire57
Thu Sep 07, 2017 4:02 pm
Forum: Investing - Theory, News & General
Topic: Dividends and Withdrawal Rate
Replies: 39
Views: 3292

Re: Dividends and Withdrawal Rate

Suppose one spends only dividends during retirement. Is there technically a withdrawal rate? If so, what is the best way to calculate the rate? Just for clarification: are you talking about STOCK dividends only, or (since you appear to have 50% bonds) bond distributions? This makes a difference in ...
by retire57
Wed Sep 06, 2017 7:39 pm
Forum: Investing - Theory, News & General
Topic: Dividends and Withdrawal Rate
Replies: 39
Views: 3292

Re: Dividends and Withdrawal Rate

If you mean why am I asking? , the answer is that I want to track our withdrawal rate. [/color] What's the purpose of tracking your withdrawal rate? The only reason is because you're withdrawing MORE than just the dividends, right? But if you're just withdrawing (yes I called it that) the dividends...
by retire57
Wed Sep 06, 2017 4:24 pm
Forum: Investing - Theory, News & General
Topic: Dividends and Withdrawal Rate
Replies: 39
Views: 3292

Re: Dividends and Withdrawal Rate

retiredjg wrote:
Wed Sep 06, 2017 4:19 pm
Maybe if we knew the importance of whether the spent dividends are a withdrawal or not, you'd get answers closer to what you really want to know.
Not sure I follow.

If you mean why am I asking?, the answer is that I want to track our withdrawal rate.
by retire57
Wed Sep 06, 2017 3:59 pm
Forum: Investing - Theory, News & General
Topic: Dividends and Withdrawal Rate
Replies: 39
Views: 3292

Re: Dividends and Withdrawal Rate

OP here. We are invested 50/50, have pensions, and our expenses are low. No SS yet. So far, almost 2 years in to retirement, we don't need a lot from our portfolio. The dividends come from our taxable stock funds only. I don't see why this is a bad strategy in our circumstances. (Folks assume an awf...
by retire57
Wed Sep 06, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: Dividends and Withdrawal Rate
Replies: 39
Views: 3292

Dividends and Withdrawal Rate

Suppose one spends only dividends during retirement. Is there technically a withdrawal rate? If so, what is the best way to calculate the rate?
by retire57
Mon Sep 04, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Things to buy/repair before (early) retirement
Replies: 32
Views: 3674

Re: Things to buy/repair before (early) retirement

I was thinking car and roof too. That’s assuming you will have no debt at the time of retirement.
by retire57
Sat Sep 02, 2017 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard - How to combine spouse accounts
Replies: 28
Views: 2887

Re: Vanguard - How to combine spouse accounts

Simply customize your preferences on the VG website to include both accounts for a consolidated view. Changing ownership is an extreme measure.