Search found 16 matches

by The Stone Wall
Thu Sep 05, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: Italy in September
Replies: 35
Views: 2420

Re: Italy in September

In Rome, you may want to check out a vespa tour.
by The Stone Wall
Tue Jul 23, 2019 3:52 pm
Forum: Personal Investments
Topic: Update from when you helped this physician newbie
Replies: 72
Views: 9051

Re: Update from when you helped this physician newbie

As others have stated, you have a spending problem. Start tracking all expenses now. You have no opportunity to get ahead of it until you realize where the problems are occurring. The car and house are significant expenses and those interest rates are problematic. However, you must be overspending m...
by The Stone Wall
Mon Jun 17, 2019 4:23 pm
Forum: Personal Investments
Topic: TIRA to Roths? help Please
Replies: 104
Views: 4003

Re: TIRA to Roths? help Please

It would also be helpful to know the distribution of pensions and SS between the two of you. Does one of the pensions go away when one passes or do both have survivor benefits? What is the likely survivor SS amount? Given what I have seen thus far, it doesn't seem to be all that advantageous to do c...
by The Stone Wall
Mon Jun 03, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: Road Trip! Texas to Virginia places to see/visit
Replies: 21
Views: 1167

Re: Road Trip! Texas to Virginia places to see/visit

Three things come to mind: 1) Civil War themed since you will be near a number of decisive battles (Natchez, Vicksburg, Chattanooga, etc.) 2) Civil Rights themed since you will be near Selma, Montgomery, Birmingham 3) Music themed with Jazz, bluegrass, and old-time Appalachian (good recommendation o...
by The Stone Wall
Wed May 22, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: Inexpensive way to gain weight
Replies: 54
Views: 2797

Re: Inexpensive way to gain weight

I am 5'10". Graduated high school at 115 lbs and college at 125 lbs. I tried/wanted to gain weight with little success. I did two things a few years after college. I made a protein shake morning and night and also ate half a quart of vanilla whole milk yogurt after dinner for a snack. I fairly quick...
by The Stone Wall
Sat May 11, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Help me pull the trigger-need to quit
Replies: 41
Views: 5534

Re: Help me pull the trigger-need to quit

I realize you have discussed a lot of resources, but I am still a bit nervous mainly because expenses have not been fully discussed throughout the next 40 years. How much are you 'saving' by going to one income? Or, will your expenses increase? I'm a bit concerned by the husband retiring at 50. You ...
by The Stone Wall
Tue Apr 09, 2019 10:33 am
Forum: Investing - Theory, News & General
Topic: Should I place bonds in my IRA or Roth IRA
Replies: 25
Views: 1916

Re: Should I place bonds in my IRA or Roth IRA

As I approach RMD years, I will have all of my bond allocation in my IRA/401K with some stock allocation. My Roth will be 100% stocks.
by The Stone Wall
Thu Mar 07, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 11943

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

One additional thing to do is to read aloud. You seem to have all of the basic skills mastered regarding grammar and vocabulary. Spend a few hours a day reading Spanish aloud so that your mind can 'hear' yourself talking in Spanish for long stretches of time.
by The Stone Wall
Sun Feb 24, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Big IRA accounts
Replies: 98
Views: 15834

Re: Big IRA accounts

Your federal tax burden will far exceed any IRMAA cliffs ahead, so I would not even consider IRMAA in your case. You can do some Roth conversions but it is a bit late to make large differences in the outcome since even moderate growth in the IRA will be significant. One way to slow the growth would ...
by The Stone Wall
Mon Feb 18, 2019 3:25 pm
Forum: Personal Investments
Topic: What is your RMD (required minimum distribution) strategy?
Replies: 43
Views: 3031

Re: What is your RMD (required minimum distribution) strategy?

In addition to the good comments above, your question is a perfect application for the Optimal Retirement Planner (I-ORP). Make sure you use the extended version and look at scenarios where you convert IRA to Roth at different tax bracket limits. This will give you an estimate of the tax consequence...
by The Stone Wall
Sun Feb 10, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: Recommendation for home gym (limited space)
Replies: 78
Views: 6813

Re: Recommendation for home gym (limited space)

Given your space requirements and motivation, a combination of a pull-up bar and the TRX (or similar) seems like the best way to start. Pull-ups, push-ups, and squats are essentially the Boglehead three fund portfolio of exercises. You are getting large combinations of muscle groups with each exerci...
by The Stone Wall
Tue Dec 18, 2018 1:05 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 382
Views: 69977

Re: Roll Call for the Retirement Class of 2018!

I'm a little late to the roll call. Put me down for Sept 5. I lurked on the site for about 10 years and gained so many insights. Then I purchased the Bogelheads Guide to Retirement Planning. I think I ran FireCalc and I-ORP weekly for about a year! Everything pointed to retirement being viable. We'v...
by The Stone Wall
Wed Mar 28, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: New car on lot for 102 days. Concerns?
Replies: 35
Views: 7146

Re: New car on lot for 102 days. Concerns?

There is a sticker on the driver's door that lists the 'build date' of the car. You should take a look at that and compare to the numbers you find.
by The Stone Wall
Wed Mar 28, 2018 11:13 am
Forum: US Chapters
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 29177

Re: A lot of heavy hitters this morning

I didn't find this wonderful forum until my 50's. I notice a lot of people in their 20's and 30's asking questions. My current financial situation would have been better had I found the site in my early investing period. Understanding the basic Boglehead philosophy is the key to building a sound fin...
by The Stone Wall
Fri Mar 23, 2018 10:20 am
Forum: Personal Investments
Topic: What am I missing regarding retirement planning?
Replies: 2
Views: 765

Re: What am I missing regarding retirement planning?

Thanks. I feel confident in the numbers, but my fiance still has a lot of concerns. A financial adviser gave her a lot of fears in the past. She suggested I get some additional feedback. We each have grown children and we will work with an estate attorney in the near future. I have been following so...
by The Stone Wall
Thu Mar 22, 2018 1:30 pm
Forum: Personal Investments
Topic: What am I missing regarding retirement planning?
Replies: 2
Views: 765

What am I missing regarding retirement planning?

I have been a long time lurker and have become a strong believer in the Boglehead philosophy. The amount of relevant financial knowledge/opinion given by the collective group is amazing. When I started reading these forums, I had no clue regarding many of the topics. I now feel as though I can predi...