Search found 25 matches

by peagreenboat
Thu Jan 09, 2020 3:07 pm
Forum: Personal Consumer Issues
Topic: Exercise machine for a small apartment
Replies: 56
Views: 2932

Re: Exercise machine for a small apartment

Rebounder! (mini-trampoline) Fun, easy on the joints, good for balance, bones, immune system, can challenge anyone at any level of fitness, depending on how you use it (i.e. can be a very gentle exercise for someone who is physically delicate, or can provide an intense cardio workout). Someone older...
by peagreenboat
Tue Aug 20, 2019 10:35 am
Forum: Investing - Theory, News & General
Topic: 60/40 VS 30/70 "Center Of Gravity"@@ Allocation for Retirees ??? Bernstein VS Ferri ?? -- What Would You Do?
Replies: 201
Views: 23671

Re: 60/40 VS 30/70 "Center Of Gravity"@@ Allocation for Retirees ??? Bernstein VS Ferri ?? -- What Would You Do?

I haven't read every post in this thread, but I notice that the OP was discussing Peter Bernstein, but in later posts many people are talking about Bill Bernstein, so there might be some confused discussion going on. Just sayin'.
by peagreenboat
Fri May 24, 2019 10:03 am
Forum: Investing - Theory, News & General
Topic: Delaying social security = harming nest egg?
Replies: 74
Views: 6796

Re: Delaying social security = harming nest egg?

Thanks to everyone who has contributed to this discussion. It has been educational for me - as is often the case, the number of factors to consider in making this decision exceeded my understanding. Much to review and consider here.
by peagreenboat
Tue May 21, 2019 12:14 pm
Forum: Investing - Theory, News & General
Topic: Delaying social security = harming nest egg?
Replies: 74
Views: 6796

Delaying social security = harming nest egg?

The conventional wisdom, often discussed among BHs as well as in the general press, is that it’s best to delay taking social security until age 70 if you can, because of the guaranteed yearly 8% increase in benefits for each year you delay. 8% per year guaranteed return is better than many/most othe...
by peagreenboat
Wed Apr 17, 2019 6:13 pm
Forum: Personal Investments
Topic: How often do you check up on your investments?
Replies: 35
Views: 2557

Re: How often do you check up on your investments?

I look at the S&P500 chart every day or two, just to have a sense what the market is up to, but I try not to look at my own personal investment accounts often - maybe once a month. Looking at the S&P500 satisfies my curiosity, while not looking at my own balances helps me to be less emotionally affe...
by peagreenboat
Sun Apr 14, 2019 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Married couples: can you have a team mentality with separate finances?
Replies: 183
Views: 9718

Re: Married couples: can you have a team mentality with separate finances?

It seems that most on this board go the one-pot route. In our family we have done a bit of hybrid approach, which has worked fantastically for us. We have money that is “ours” and also separate money. Each of us having our own money has meant that not once - not ever in 30+ years - have we had a dis...
by peagreenboat
Sat Apr 13, 2019 12:34 pm
Forum: Personal Investments
Topic: Socially responsible investing
Replies: 27
Views: 5342

Re: Socially responsible investing

Jane Bryant Quinn states in her book “How to Make Your Money Last” that Vanguard’s Social Index Fund “has held its own against the S&P 500 for the past 10 years.” (The book was published in 2017.) Personally I hold about half of my equity investments in VFTAX, and it has been my experience that it t...
by peagreenboat
Thu Mar 28, 2019 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Are RMDs that bad if you're not an over-saver?
Replies: 194
Views: 22696

Re: Are RMDs that bad if you're not an over-saver?

celia wrote: "Although it is recommended to NOT withhold from a traditional IRA account to pay the taxes, it CAN be done. For example, if you are withdrawing $1,000, you can have $200 of it sent to the IRS, $50 to your state, and convert the remaining $750 into a Roth." Is the last part of this corr...
by peagreenboat
Mon Feb 25, 2019 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to figure out taxable income by Dec. 31 for Roth?
Replies: 26
Views: 2768

Re: How to figure out taxable income by Dec. 31 for Roth?

Thank you, everyone, for all of this information! It seems that everything related to Roth conversions is incredibly complex. Why can't they have made the Roth conversion deadline April 15, like the Roth contribution deadline? That simple thing would make a big difference in the ease (or NOT) with w...
by peagreenboat
Sat Feb 23, 2019 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: How to figure out taxable income by Dec. 31 for Roth?
Replies: 26
Views: 2768

Re: How to figure out taxable income by Dec. 31 for Roth?

Thank you, FiveK, indexfundfan, and 02nz for your very helpful replies.
by peagreenboat
Sat Feb 23, 2019 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to figure out taxable income by Dec. 31 for Roth?
Replies: 26
Views: 2768

How to figure out taxable income by Dec. 31 for Roth?

I am considering doing some Roth conversions over the next several years. Maybe this is a dumb question, but how do you figure out what your pre-conversion taxable income is going to be before the end of the calendar year so that you can Roth convert up to the top of your current tax bracket without...
by peagreenboat
Wed Jan 23, 2019 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a Year Off
Replies: 36
Views: 4173

Re: Taking a Year Off

Taking a year off to travel the world will provide you with experiences you will never forget and open your eyes to the wider world. I did this in my early 30s (now in my late-60s) and have never regretted that decision for a single nano-second. I didn’t even do any financial planning (!). I saw tha...
by peagreenboat
Mon Jan 21, 2019 11:22 am
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 127
Views: 15276

Re: How much money did you receive from family? (Gifts/inheritance)

My sisters and I each inherited about $100K when our second parent died five years ago - the money was a total surprise. For me, it meant that I felt comfortable and secure enough to be able to retire at 65 (3 years ago). My youngest sister received the inheritance just when she was unexpectedly lai...
by peagreenboat
Wed Dec 26, 2018 8:25 pm
Forum: Personal Investments
Topic: Question re consolidating funds while equities are down
Replies: 3
Views: 368

Re: Question re consolidating funds while equities are down

Thank you, Living Free and Phineus, for your help. -pgb
by peagreenboat
Wed Dec 26, 2018 2:19 pm
Forum: Personal Investments
Topic: Question re consolidating funds while equities are down
Replies: 3
Views: 368

Question re consolidating funds while equities are down

With the goal of simplifying my portfolio, I've been planning to consolidate different holdings within my equities allocation in my traditional IRA. I want to move all of my U.S. stock fund holdings in my T-IRA into VTSAX. I know that one wants to avoid selling stocks while equity prices are down, b...
by peagreenboat
Thu Dec 20, 2018 12:43 am
Forum: Personal Investments
Topic: Portfolio changes better now, or wait until new year?
Replies: 4
Views: 483

Portfolio changes better now, or wait until new year?

I will be making some changes soon to my portfolio toward the goal of simplicity, including moving the assets from a different mutual fund into my Vanguard account. I’ve been thinking to hold off until the new year because year-end stuff is already complicated enough. But is there a case for doing i...
by peagreenboat
Mon Dec 17, 2018 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage and separate accounts - how does it work?
Replies: 98
Views: 5840

Re: Marriage and separate accounts - how does it work?

We’ve been living together for 30 years (married 15) and have never once had a disagreement about money. I attribute this to how we decided in the beginning how we wanted to handle money. All of both our incomes go into one pot, a joint account (whether our incomes are roughly equivalent or not). Fr...
by peagreenboat
Sat Dec 15, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 249
Views: 22980

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

What I did during the 2008/9 mess was I put a pergola up in my backyard. At a certain point in 2008/9, I had realized a paper loss of $35K (which was a lot of money for me then) and it made me really mad. I felt that my hard-earned money was simply disappearing, and my response was to take out some ...
by peagreenboat
Tue Nov 20, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: The psychology of withdrawing from your portfolio
Replies: 58
Views: 6407

Re: The psychology of withdrawing from your portfolio

I retired 3 years ago and found the switch from accumulating to spending down to be very difficult emotionally. What it forced me to do was to educate myself about finances, the market, etc. It’s kind of funny that in 2016 and 2017, when the market kept going up, I was in my panic period — and in 20...
by peagreenboat
Wed Nov 14, 2018 4:30 pm
Forum: Personal Investments
Topic: Long-term bond index vs Total bond
Replies: 3
Views: 859

Re: Long-term bond index vs Total bond

Thank you Elysium and and lack_ey for your helpful responses! So in large part it's another example of Past Performance being No Guarantee of Future Results - and right now with interest rates rising, the next 10 years may look quite different than the last 10. (Seems a reasonable prediction for sto...
by peagreenboat
Tue Nov 13, 2018 5:13 pm
Forum: Personal Investments
Topic: Long-term bond index vs Total bond
Replies: 3
Views: 859

Long-term bond index vs Total bond

I am curious why long-term investors on this forum seem to prefer total bond index funds (e.g. VBTLX) over long-term bond index funds (e.g. VBLTX). While the 1-year return for long-term bonds is down, the 3-year, 5-year and 10-year returns appear to be significantly higher for long-term than for tot...
by peagreenboat
Mon Oct 29, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 119
Views: 23819

Re: New retirees: so whatdayathink ?

Year 1 of Retirement: I had retired from my day job, but still had a meaningful side gig. I was in 7th heaven. I could really feel the difference that lower stress made in my physical and mental health. I felt free, happy and healthy. Plus I had the time to get back into playing and writing music, w...
by peagreenboat
Wed Oct 24, 2018 2:05 pm
Forum: Personal Investments
Topic: The importance of writing it down (IPS) - and a Thank You!
Replies: 7
Views: 1332

Re: The importance of writing it down (IPS) - and a Thank You!

David Jay, Thanks for your replies and welcome. I just want to be sure I understand what you're saying. (My analogy has come back to haunt me!) You're saying it's not best in your opinion to let my stock allocation go down too far and not rebalance?
by peagreenboat
Tue Oct 23, 2018 1:59 pm
Forum: Personal Investments
Topic: The importance of writing it down (IPS) - and a Thank You!
Replies: 7
Views: 1332

The importance of writing it down (IPS) - and a Thank You!

I was always pretty relaxed about money. That is, until I retired on Jan. 1, 2016 (at age 65), when I descended into a panic about whether my money would last. I had not anticipated that the switch from accumulating to spending down would psychologically be so hard. I became obsessed with worry and ...