Search found 56 matches

by You Know What I Mean
Wed Nov 13, 2019 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to Calculate Qualified Expense (for 529 Plan) for College Student Living at Home
Replies: 19
Views: 1333

Re: How to Calculate Qualified Expense (for 529 Plan) for College Student Living at Home

Just for grins, I pulled out a College Board document for a local university for Fall 2009 from my tax files. The room-and-board costs were: Living on Campus: $5,942 Living at Home: $2,880 Commuting, Not Living at Home: $6,888 Somehow, I don't think $2,880 is an excessive amount, especially for coll...
by You Know What I Mean
Tue Nov 12, 2019 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to Calculate Qualified Expense (for 529 Plan) for College Student Living at Home
Replies: 19
Views: 1333

Re: How to Calculate Qualified Expense (for 529 Plan) for College Student Living at Home

This university has on its website detailed information on its COA. It includes not only on and off-campus estimates, but also an estimate for students living at home. These estimates include tuition, Housing and Meals, and books and supplies. There is a separate section in each estimate for non-co...
by You Know What I Mean
Tue Nov 05, 2019 8:49 pm
Forum: Personal Investments
Topic: Holding bonds vs 100% equities
Replies: 367
Views: 21667

Re: Holding bonds vs 100% equities

Why 100% equities makes sense for the first say 20 years (age 23-43, for example).... is that the contribution and savings rates dwarf the impact of any AA. The last two decades have been historically poor for equity investors, and good for bonds.... but a 100% equity investor that was able to save...
by You Know What I Mean
Tue Nov 05, 2019 8:33 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1564
Views: 167211

Re: [What TV Show Have You Recently Watched?]

Just watched the very first Perry Mason. 1957. The show was very good. It's not your typical crime show from that period, for example no fistfights, etc. (at least in this episode). Perry gets the job done through clever manipulation of the bad guys and the police who try to implicate his (innocent...
by You Know What I Mean
Tue Oct 29, 2019 8:09 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz article on door to door financial people
Replies: 59
Views: 6244

Re: Christine Benz article on door to door financial people

On the second note, I have to take a bit of exception. I went door-to-door with Edward Jones for several years and no, I wasn't preying on the old or unsophisticated. I have several very large accounts that resulted directly from my door knocking. I and probably every other financial advisor out th...
by You Know What I Mean
Fri Oct 18, 2019 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take the job in OKC or Orlando?
Replies: 98
Views: 5577

Re: Should I take the job in OKC or Orlando?

I am from Oklahoma City. Some things you should know about us: 1) The weather is changeable. A bloody sun blazing through mountainous thunderheads, strange stillness when no birds sing, an odd light over everything like a disco ball spinning - two hours later, the sweetest breeze you ever felt on y...
by You Know What I Mean
Fri Oct 04, 2019 5:56 pm
Forum: US Chapters
Topic: Oklahoma City (OKC) Bogleheads Local Chapter
Replies: 52
Views: 6553

Re: Oklahoma City (OKC) Bogleheads Local Chapter

Sounds good, Petulant. And congrats on the marriage!
by You Know What I Mean
Sun Sep 22, 2019 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Quiz: How Well Do You Know Social Security
Replies: 37
Views: 3511

Re: Quiz: How Well Do You Know Social Security

9 for 9. But I'm a good guesser.
by You Know What I Mean
Sat Aug 17, 2019 8:32 am
Forum: US Chapters
Topic: Oklahoma City (OKC) Bogleheads Local Chapter
Replies: 52
Views: 6553

Re: Oklahoma City (OKC) Bogleheads Local Chapter

Hi, All. Sorry, I won't make it today. Not feeling well. See you next month.
by You Know What I Mean
Tue Aug 13, 2019 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 329
Views: 28899

Re: Social Security -- Take it at 62, 67 or 70

Here's how I handle anwering the longevity question: First, do you have a specific reason to believe you won't "beat" the break even average? Like, all four grandparents died young*, or other close relatives did so, or your own health is compromised for various reasons, or you've been on the beer-a...
by You Know What I Mean
Sun Aug 11, 2019 8:41 pm
Forum: US Chapters
Topic: Oklahoma City (OKC) Bogleheads Local Chapter
Replies: 52
Views: 6553

Re: Oklahoma City (OKC) Bogleheads Local Chapter

Great! Looking forward to it.
by You Know What I Mean
Mon Jul 29, 2019 8:46 am
Forum: US Chapters
Topic: Oklahoma City (OKC) Bogleheads Local Chapter
Replies: 52
Views: 6553

Re: Oklahoma City (OKC) Bogleheads Local Chapter

Hello, petulant. So sorry to hear about your loss. I hope you and the rest of the family are doing okay. We did have an excellent meeting, with six people total (four first-timers). We spent most of the time introducing ourselves and talking a little about our work backgrounds and investing experien...
by You Know What I Mean
Tue Jul 23, 2019 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Calculating HSA Contribution Limit
Replies: 2
Views: 262

Calculating HSA Contribution Limit

I am helping someone who may soon be able to contribute to a Health Savings Account, effective with a high-deductible insurance policy starting September 1st. If anyone has experience with calculating the maximum allowable contribution, please confirm or correct my figures. Background: She is 64 yo....
by You Know What I Mean
Sun Jun 16, 2019 7:51 pm
Forum: US Chapters
Topic: Oklahoma City (OKC) Bogleheads Local Chapter
Replies: 52
Views: 6553

Re: Oklahoma City (OKC) Bogleheads Local Chapter

Thanks, petulant. Great discussion yesterday!
by You Know What I Mean
Sun Jun 09, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1564
Views: 167211

Re: [What TV Show Have You Recently Watched?]

Started Catch 22 on Hulu. Read the book back in the 70's so I remember it as anti war/ absurdity and chaotic. Had to overcome a bit of distaste for George Clooney, I must say this series really is well written, produced, directed and acted. The portrayal of Italians during that time I think is very...
by You Know What I Mean
Mon Jun 03, 2019 12:18 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1564
Views: 167211

Re: [What TV Show Have You Recently Watched?]

Started Catch 22 on Hulu. Read the book back in the 70's so I remember it as anti war/ absurdity and chaotic. Had to overcome a bit of distaste for George Clooney, I must say this series really is well written, produced, directed and acted. The portrayal of Italians during that time I think is very...
by You Know What I Mean
Sun Jun 02, 2019 11:52 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1564
Views: 167211

Re: [What TV Show Have You Recently Watched?]

Bosch , Season 1, on Amazon Prime. I haven't read the books, as I'm mostly into sci-fi. My first impression - Bosch is a modern-day incarnation of Joe Friday. The short back-and-forth "just the facts" dialog is eerily similar to the Dragnet TV series I watched when I was kid - I watched every episo...
by You Know What I Mean
Sun Jun 02, 2019 11:33 pm
Forum: US Chapters
Topic: Oklahoma City (OKC) Bogleheads Local Chapter
Replies: 52
Views: 6553

Re: Oklahoma City (OKC) Bogleheads Local Chapter

Great! Please count me in. Thanks!
by You Know What I Mean
Sun May 19, 2019 7:29 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4800
Views: 1250788

Re: What Movie Have You Recently Watched?

Just saw Peter Rabbit (2018) on Netflix streaming. It's a mix of animation and live action. Very well done. Seamlessly integrated. Visually, it is evocative of Beatrix Potter's well-known illustrations while looking quite realistic and not cartoonish, assuming you can see bunnies wearing little coa...
by You Know What I Mean
Sun May 12, 2019 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Can you guys find anything that beats sofi money checking account?
Replies: 22
Views: 3183

Re: Can you guys find anything that beats sofi money checking account?

If you are willing to consider a rewards-checking account, Consumers Credit Union of Illinois has one that pays 3.09% (on balances up to $10,000) if you do the minimum in monthly debit-card transactions (and deposits), 4.09% if you also do $500 in credit-card charges, and 5.09% if you do $1,000 per ...
by You Know What I Mean
Sun May 05, 2019 9:56 am
Forum: US Chapters
Topic: Oklahoma City (OKC) Bogleheads Local Chapter
Replies: 52
Views: 6553

Re: Oklahoma City (OKC) Bogleheads Local Chapter

June 22 would be another N/A for me. One suggestion would be to also Doodle several possible meeting dates/general times, presumably during weekends. Sorry to hear that. Since we are just getting going, perhaps we should consider another meeting sooner. I had been thinking monthly. Just a suggestio...
by You Know What I Mean
Sun May 05, 2019 7:35 am
Forum: US Chapters
Topic: Oklahoma City (OKC) Bogleheads Local Chapter
Replies: 52
Views: 6553

Re: Oklahoma City (OKC) Bogleheads Local Chapter

Thanks, Petulant! Great meeting yesterday. Nice location, very pleasant. I really enjoyed the discussion, such a pleasure! And, though I don't usually hang out in coffee shops, I did enjoy a decaf latte with whipped cream and a splash of caramel from a very nice barista -- sweet. I'm looking forward...
by You Know What I Mean
Thu Apr 25, 2019 10:17 am
Forum: US Chapters
Topic: Oklahoma City (OKC) Bogleheads Local Chapter
Replies: 52
Views: 6553

Re: Oklahoma City Bogleheads Local Chapter Established

Please count us (wife and me) in! Looking forward to meeting you OKC folks! Can I assume we will be eating a meal, either a late lunch or early dinner? Thanks!
by You Know What I Mean
Mon Apr 15, 2019 8:21 pm
Forum: US Chapters
Topic: Oklahoma City (OKC) Bogleheads Local Chapter
Replies: 52
Views: 6553

Re: Potential Oklahoma City Chapter

I am in northwest OKC, but have no problem driving to anywhere in the metro. Saturday late afternoon or early evening is usually good (If spouses are invited!).
by You Know What I Mean
Sat Apr 06, 2019 6:15 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Benefits Of International Diversification
Replies: 86
Views: 7384

Re: Larry Swedroe: Benefits Of International Diversification

[/quote] Although it isn't a MEASURE of diversification, one measure that can illustrate the benefit of diversification is sustainable withdrawal rate (SWR). I know people have strong feelings about this but, despite whatever limitations it has as an actual method of managing retirement income, SWR ...
by You Know What I Mean
Wed Mar 27, 2019 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Occupation on tax return
Replies: 25
Views: 3251

Re: Occupation on tax return

A fellow military officer told me the decision was a toss-up between "migrant worker" and "hired killer."
by You Know What I Mean
Tue Mar 19, 2019 7:15 pm
Forum: Investing - Theory, News & General
Topic: Are I Bonds like cash or bonds?
Replies: 16
Views: 1320

Re: Are I Bonds like cash or bonds?

If your planning calls for a certain percentage (or dollar amount) in cash and a certain percentage of bonds, do you consider I Bonds cash or bonds? Some folks use it as their EF so that sounds like cash. For the planning purpose you stated, I would consider them as cash. That's what I do. Here's w...
by You Know What I Mean
Tue Mar 19, 2019 6:30 pm
Forum: US Chapters
Topic: Oklahoma City (OKC) Bogleheads Local Chapter
Replies: 52
Views: 6553

Re: Potential Oklahoma City Chapter

Yes, I am interested!
by You Know What I Mean
Thu Mar 07, 2019 11:01 am
Forum: Personal Investments
Topic: Asset Allocation - Cash Position
Replies: 18
Views: 1915

Re: Asset Allocation - Cash Position

We have a small six figure cash balance and don't count it as part of asset allocation. That's based on the money being set aside for several specific purposes: 30k for 529 contributions to be made within 3 years, 12k for home maintenance (mostly a new roof within five years), 40k for an emergency ...
by You Know What I Mean
Fri Feb 15, 2019 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 35143

Re: [2018 tax return - How does it compare to previous years?]

Extremely pleased with the results, which were as expected based on estimated reductions. Even though 2018 Total Income was $4,456 higher than 2017, the total tax bill was $2,187 lower. Effective 2018 tax rate was 7.93%, which was 2.57% lower than the 10.50% in 2017. Married Filing Jointly, standard...
by You Know What I Mean
Mon Feb 11, 2019 8:56 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1564
Views: 167211

Re: [What TV Show Have You Recently Watched?]

Re-watched Season 3 of "Bosch" on Amazon Prime, followed by Season 4. Outstanding. Regardless of the plots, politics, and corruption, the series perfectly captures the personality of the title character, Detective Harry Bosch, from the novels by Michael Connelly.
by You Know What I Mean
Sun Feb 10, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: Passport Photos ?
Replies: 85
Views: 4247

Re: Passport Photos ?

Your local post office may or may not be a good option. A few years ago I tried to get mine at the PO. There was only one person there who was authorized to take the photos, and she also had to work the counter for stamps, certified mail, etc. That might sound reasonable, but customers at the counte...
by You Know What I Mean
Mon Jan 28, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: Hawaii vacation, any recommendations?
Replies: 39
Views: 4229

Re: Hawaii vacation, any recommendations?

My favorite beaches for snorkeling on Oahu were Hanauma Bay and Three Tables Beach (on the north shore, just north of Waimea Bay before you get to Sharks Cove, Pupukea, Banzai Pipeline, Sunset Beach). Three Tables is a small beach with a fairly steep grade.
by You Know What I Mean
Wed Jan 23, 2019 10:08 pm
Forum: Personal Consumer Issues
Topic: [Peter Jackson’s “They shall not grow old” - now streaming on Amazon Prime]
Replies: 77
Views: 10769

Re: [Peter Jackson’s “They shall not grow old” - now showing Jan 21]

Both the feature and the trailer were great. The film's content, colorization and voicing really made the WW1 soldiers come alive. However, I , too, did not notice any 3D effect with the glasses.
by You Know What I Mean
Mon Dec 24, 2018 8:55 pm
Forum: US Chapters
Topic: My Christmas Present To You
Replies: 108
Views: 12709

Re: My Christmas Present To You

Taylor, thank you for your service... in WW2, in every job you've ever held, and to the Bogleheads community. Reading your story about Christmas Eve 1944 reminds me that my Dad spent that period in a German POW camp. It reminds me to be grateful to you and other members of The Greatest Generation wh...
by You Know What I Mean
Sat Dec 15, 2018 8:28 am
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 249
Views: 22714

Re: What Happened to you during the Financial crisis of 2007–2008

Interesting thread! Lots of great comments above! They prompted me to go back and research what we had actually done, which was close to what I remembered. We were fortunate. In early 2008 I was in my mid-50’s with one kid finishing college and two still in high school, but was not too worried about...
by You Know What I Mean
Fri Dec 14, 2018 6:46 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 342
Views: 40338

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Yes, I think there is some confusion. You will be entitled to a full month of spousal benefit for the first month you reach FRA, even though your birthday is mid-month. However, the benefit for that month will actually be received the following month (Social Security benefits are paid in arrears.) P...
by You Know What I Mean
Sat Nov 17, 2018 7:18 am
Forum: Personal Investments
Topic: Portfolio decisions as we approach retirement
Replies: 26
Views: 3231

Re: Portfolio decisions as we approach retirement

Thanks to all who contributed your thoughts. I estimate the SS comments will bring in about $25,000 unplanned income. Again, thanks to all. This is great news. I have also received valuable advice from this forum over the years. Just musing, but I wonder what the dollar value of all the good advice...
by You Know What I Mean
Thu Nov 15, 2018 8:45 pm
Forum: Personal Investments
Topic: Portfolio decisions as we approach retirement
Replies: 26
Views: 3231

Re: Portfolio decisions as we approach retirement

Chip, I'll get to reading those asap, but until then, did I lose out the past 3 years that she's been taking SS and I didn't take the spousal benefit, or would they make up for it when I do request it? You weren't eligible for a restricted application until you reached full retirement age, which I ...
by You Know What I Mean
Thu Nov 08, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax on TaxMarkDown.com
Replies: 42
Views: 5300

Re: TurboTax on TaxMarkDown.com

Thanks, everyone! I am going to stick with ordering from a known source like Amazon or Intuit. I don't want pirated software!
by You Know What I Mean
Tue Nov 06, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 16615

Re: How much money are you leaving your kids after you die?

We are in our late 60’s and have adult children with decent-paying jobs. Our net worth is about $1.5M. We plan to spend most of it, including paying for some annual family vacations and grandkids’ 529 accounts. Aside from a few other small bequests, our kids will inherit whatever is left. (They are ...
by You Know What I Mean
Tue Nov 06, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax on TaxMarkDown.com
Replies: 42
Views: 5300

TurboTax on TaxMarkDown.com

TurboTax Premiere 2018 (download) for $50.99 seems like a good deal. Has anyone had experience with this vendor? Thanks!

[ Link to taxmarkdown.com removed, see below. --admin LadyGeek]
by You Know What I Mean
Thu Nov 01, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1564
Views: 167211

Re: [What TV Show Have You Recently Watched?]

I started watching the series Vexed on Netflix. It is one of those quirky British detective shows, something I am normally a sucker for. Unfortunately, this one misses the mark. I am also watching Jonathan Creek , another quirky British detective show. This one hits the mark as a mystery-comedy. Jo...
by You Know What I Mean
Sun Oct 28, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1564
Views: 167211

Re: [What TV Show Have You Recently Watched?]

My wife and I both really enjoyed Bodyguard on Netflix. Very well done production and acting. Interesting characters, many not likable but still with fascinating personalities and relationships. Lots of deception. Complicated plots and sub-plots. Some intense action at times, very dramatic. The seas...
by You Know What I Mean
Mon Oct 22, 2018 7:14 pm
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 471
Views: 61682

Re: Your USER NAME...what does it mean?

My user name has nothing to do with finances or the clarity of my writing. It's the second line in the lyrics of a song that always makes me happy. "Well, she was just seventeen You know what I mean And the way she looked Was way beyond compare So how could I dance with another, Oh, when I saw her s...
by You Know What I Mean
Thu Sep 27, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Best/worst flavors of Gatorade/Powerade
Replies: 25
Views: 2467

Re: Best/worst flavors of Gatorade/Powerade

After a workout, I prefer orange Gatorade along with chocolate-flavored power bars. If just drinking Gatorade without power bars, I prefer the lemon-line.
by You Know What I Mean
Sat Sep 15, 2018 6:11 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 342
Views: 40338

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Mike, Thanks for the great calculator and for recently adding the helpful Disability option, which is very timely! If a person is on SS disability, which converts to a retirement benefit of the same amount at FRA, can that person suspend the retirement benefit at FRA and apply for survivor benefit ...
by You Know What I Mean
Fri Sep 14, 2018 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 342
Views: 40338

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Mike, Thanks for the great calculator and for recently adding the helpful Disability option, which is very timely! If a person is on SS disability, which converts to a retirement benefit of the same amount at FRA, can that person suspend the retirement benefit at FRA and apply for survivor benefit a...
by You Know What I Mean
Fri Sep 14, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 10940

Re: Anyone else not save for cars?

We do save for cars because we like to plan for large purchases. Also, we have concerns about future interest rates, and we appreciate the flexibility that safe funds provide. Since we are retired now, we currently “save” for cars by rebalancing our accounts. I adjust for the car amounts needed usin...