Search found 1195 matches

by Nestegg_User
Fri Apr 19, 2019 11:12 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 88
Views: 3249

Re: At what point would you hire someone vs. cut down a tree yourself?

Buy a cheap chainsaw and a polesaw. Tie it off with rope so it falls the way you want it to. I am curious how many 15" diameter trees you successfully made fall the direction you wanted by tying a rope to it? This is what I do at times on my GF's 10-acre lot. But I use a steel cable on the tree its...
by Nestegg_User
Mon Apr 15, 2019 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 156
Views: 14410

Re: In Laws Retirement Nest Egg

OP Actually, the best way to help them now is to take part of the gifts from your family ($60k ?, if it's maxed, as you alluded) and gift them, say $45 k for a few years so that they DELAY his SS and then they can have significantly more SS and better prospects (if needed) in the following years. .....
by Nestegg_User
Fri Apr 12, 2019 11:24 am
Forum: Personal Investments
Topic: Tax Efficient Schwab Bond Fund
Replies: 19
Views: 2168

Re: Tax Efficient Schwab Bond Fund

Charis23 Schwab doesn't really point it out, but once you have enough they put you into different group ( Signature ( unless they've changed it), differentiated into (at that time) Pinnacle and other classes by amount invested.... usually half mil, mil plus, and some class above that (3 or 5 mil?))....
by Nestegg_User
Fri Apr 12, 2019 11:14 am
Forum: Personal Investments
Topic: What % bonds for early retirement
Replies: 41
Views: 3686

Re: What % bonds for early retirement

Current age 32. Current percent bonds = 22%. We max all of our retirement investments and want to retire as early as possible. We are currently projected to retire at around age 50 assuming a 7% (4% real) average return. My question is what percent bonds should I be targeting right now and how shou...
by Nestegg_User
Mon Apr 01, 2019 2:14 pm
Forum: Personal Investments
Topic: Asset allocation "tests"
Replies: 22
Views: 1265

Re: Asset allocation "tests"

This isn't a test, but two notes of interest I would give to get a beginner or someone unfamiliar with investing very basic but important points about stocks and bonds: My mom know this theory, that's why she says she wants to be 100 bonds:) My point is to convince her to have stocks. She is 10 yea...
by Nestegg_User
Fri Mar 29, 2019 11:29 am
Forum: Personal Investments
Topic: Help save my father from another annuity
Replies: 20
Views: 1512

Re: Help save my father from another annuity

first questions are: is your mother still living and in need of future income? what is the basis for the annuities? if there's a survivor in need of income, then with his demise then the SS would decrease... hence a transfer (1035 exchange) into a Vanguard annuity should be considered (I might even ...
by Nestegg_User
Wed Mar 13, 2019 5:07 pm
Forum: Personal Investments
Topic: Risk averse portfolio for an early retiree?
Replies: 45
Views: 4404

Re: Risk averse portfolio for an early retiree?

we are at 45% equities in retirement (early 60's, but also have a pension)... which is probably too high for your risk tolerance based on your post, but for a projected lifespan of 40+ years ( likely for only the surviving spouse) you do need some equities...and about 30% is the lowest that allows p...
by Nestegg_User
Wed Mar 13, 2019 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Should I give more money to a family member?
Replies: 107
Views: 6434

Re: Should I give more money to a family member?

Let me see how it is from your sisters side. My father just passed away. I live in an undesirable area. I want to go to graduate school to get a better job. I also want to get married but we haven't saved enough for a wedding or a honeymoon. My older always more responsible sister tells me she does...
by Nestegg_User
Wed Mar 13, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Should I give more money to a family member?
Replies: 107
Views: 6434

Re: Should I give more money to a family member?

you've already said that the "little sister" had gotten proceeds from another policy ** .... so already she's received more than your "older sister" {based on my reading of your original post} if anything, the older sister is the one due anything do you know how much that one was? If you were to env...
by Nestegg_User
Wed Mar 13, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: SS: where are my delay credits? UPDATE
Replies: 11
Views: 1502

Re: SS: where are my delay credits?

I think that's why I had my IPS have me start SS in either November or December.... so that the delay credits will hit relatively immediately (for me, FRA + n months, depending) ... it will probably depend on relative taxation, depending upon level of interest, cap gains and how much more Roth conve...
by Nestegg_User
Wed Mar 13, 2019 1:42 pm
Forum: Personal Consumer Issues
Topic: What time do you start your day?
Replies: 69
Views: 3014

Re: What time do you start your day?

For all of those who get to the office by 6:00 - 6:30am...what time do you leave work? before retirement, I'd be out the door by 5:20 and get in between 6-6:30 depending on traffic return from office was usually 1 1/4 hours or more as it was still in the early hours of the teeth of "rush hour" (oxy...
by Nestegg_User
Mon Mar 11, 2019 1:25 am
Forum: Personal Finance (Not Investing)
Topic: Delayed gratification.
Replies: 55
Views: 6088

Re: Delayed gratification.

You can drive fast in a used beater. Being materialistic doesn't mean the "materials" have to be expensive. yep, I'd rebuilt engine on one vehicle back in the day ... tested it out in middle of nowhere.... hmmm, it got up to 135 without a problem.... dropped down back to double nickel on way back.....
by Nestegg_User
Mon Mar 11, 2019 1:19 am
Forum: Personal Finance (Not Investing)
Topic: Flaw in Oregon’s formula for taxing part-year residents?
Replies: 20
Views: 1607

Re: Flaw in Oregon’s formula for taxing part-year residents?

.... if you can make it out to a station after two and a half feet of snow (with additional afterwords!!). (glad I had a snowblower!... and a 4x4! ... not to mention, retired!... but we had ours cleared ( over 600 ft) before most, in case we wanted to go somewhere)
by Nestegg_User
Mon Mar 11, 2019 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Delayed gratification.
Replies: 55
Views: 6088

Re: Delayed gratification.

First post, but lurking for a while. 8 months out of 6 years of residency and fellowship. Although I still have a good chunk of student loan debt, the fact that I will be able to pay off loans in 2 years and can see the financial end of the tunnel eases my mind. I don't think I took a real vacation...
by Nestegg_User
Mon Mar 11, 2019 12:46 am
Forum: Personal Finance (Not Investing)
Topic: Flaw in Oregon’s formula for taxing part-year residents?
Replies: 20
Views: 1607

Re: Flaw in Oregon’s formula for taxing part-year residents?

Quantandhold If the point of your first comment is that they do this intentionally to squeeze a little more tax out if someone, but don’t care b/c that someone is leaving, then presumably they would care that this will also ding those entering the state in the middle of a year. Nothing says “hello ...
by Nestegg_User
Mon Mar 11, 2019 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Flaw in Oregon’s formula for taxing part-year residents?
Replies: 20
Views: 1607

Re: Flaw in Oregon’s formula for taxing part-year residents?

...so make sure you make your purchases in OR before you move... to take advantage of the no sales tax :) If a significantly higher amount is earned out of state then your tax drag will be decreased... if only 10k of 100k is earned there, then your FL tax is 0 and you will only pay 1/10 th of the nu...
by Nestegg_User
Sun Mar 10, 2019 11:58 pm
Forum: Personal Investments
Topic: Spouse wants to buy individual stocks
Replies: 78
Views: 5754

Re: Spouse wants to buy individual stocks

Trading individual stocks is not much different from gambling. As long as you and your husband understand that there’s a 96% chance he’ll underperform 1mo Treasuries, then chalk it up as entertainment and keep it to less than 10% of your portfolio. Read this: https://www.marketwatch.com/story/why-p...
by Nestegg_User
Sun Mar 10, 2019 10:14 pm
Forum: Personal Investments
Topic: Spouse wants to buy individual stocks
Replies: 78
Views: 5754

Re: Spouse wants to buy individual stocks

Trading individual stocks is not much different from gambling. As long as you and your husband understand that there’s a 96% chance he’ll underperform 1mo Treasuries, then chalk it up as entertainment and keep it to less than 10% of your portfolio. Read this: https://www.marketwatch.com/story/why-p...
by Nestegg_User
Thu Mar 07, 2019 7:48 pm
Forum: Investing - Theory, News & General
Topic: Why isn't tax gain harvesting suggested more often?
Replies: 33
Views: 2615

Re: Why isn't tax gain harvesting suggested more often?

I know I've mentioned TGH in recent posts.... earlier retirement years for us, haven't started SS but have pension... it's a way to get tax free gains right now (most all TLH already occurred) and it's nominally better right now versus Roth conversions (0% / 12% versus 12%/22%) and still allows futu...
by Nestegg_User
Thu Mar 07, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: First “financial” thing you do in the morning
Replies: 80
Views: 5377

Re: First “financial” thing you do in the morning

If you reused your dryer sheets, you wouldn't have to spend as much time finding out about the sale prices of toilet paper....(and you should have an idea of general cost, and be able to stock up when on sale....we've got about two plus months worth stocked up) as for financial... make own coffee, u...
by Nestegg_User
Wed Mar 06, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: portable jump starters
Replies: 72
Views: 5799

Re: portable jump starters

Yeah. And also the section on "How to unlock your car when the battery dies for the smart fob / keyless entry system" . Need to memorize that one since I won't be able to get into the car to read it. If you have a cell phone google is useful. Or preload the pdf of the car manuals. There is no need ...
by Nestegg_User
Mon Mar 04, 2019 3:13 pm
Forum: Investing - Theory, News & General
Topic: Accounting for SS value
Replies: 50
Views: 2524

Re: Acconting for SS value

Isn't that horse dead yet???



(SS isn't a bond....it's a defined benefit income stream, subject to the constraints defined by the gov)
by Nestegg_User
Mon Mar 04, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: Snowblowers
Replies: 44
Views: 2078

Re: Snowblowers

I have to laugh at the idea of a single stage snowblower.... Last storms dumped two and a half FEET of snow followed by another dumping eight to nine inches. We had gotten a Cub Cadet two stage snowblower... the higher grade with more powerful engine and ability to disengage the tranny and more easi...
by Nestegg_User
Sat Mar 02, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Job Choice Feedback
Replies: 9
Views: 890

Re: Job Choice Feedback

clearly megacorp B is your best option

(what's that Munger quote: " invert, always invert")
by Nestegg_User
Sat Mar 02, 2019 11:51 am
Forum: Personal Investments
Topic: how much is $49K contribution limit worth?
Replies: 13
Views: 1221

Re: how much is $49K contribution limit worth?

you should do a calculation of the GPO (government pension offset), if your job doesn't contribute to SS, to find out if there's even a benefit, or to find out how little it likely is. Then you can consider if it's even reasonable... otherwise you'll pay in SS that you really won't receive. (you can...
by Nestegg_User
Fri Mar 01, 2019 6:34 pm
Forum: Personal Consumer Issues
Topic: Help negotiating a Federal position
Replies: 43
Views: 1898

Re: Help negotiating a Federal position

OP for fed jobs, leave is non- negotiable....it's tied to years of service (4hrs PP to 6 hrs to eventually 8 hrs PP after 15 years....) but can be banked to 240 hours carry over. there can be some "wiggle room" for getting above step one, but it takes some real work by the super and HR and even then...
by Nestegg_User
Fri Mar 01, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: Retirement in Switzerland
Replies: 53
Views: 4809

Re: Retirement in Switzerland

typically used Ibis, when in Zurich.... cheaper and about the same quality
by Nestegg_User
Fri Mar 01, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: Retirement in Switzerland
Replies: 53
Views: 4809

Re: Retirement in Switzerland

Rainer I was more thinking of single country risk.... in ten years you would be subject to the risk of currency variation, economic risk of US (vs other countries.... US in recession vs "normal" but subdued internationally), inflation risk of CH different than US, ..... (we could hope that internati...
by Nestegg_User
Fri Mar 01, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: Luxury vacation towns ??
Replies: 51
Views: 3960

Re: Luxury vacation towns ??

Marco Island, FL? -B Bingo....there should be enough places there to accommodate your yacht and you have to either be a resident or get a pass from your rental to get on Citizens Beach ( bring your own chairs, etc) as for 30a area, I'd prefer Okaloosa Island, as it's less crowded, has very good bea...
by Nestegg_User
Fri Mar 01, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Advice at 60
Replies: 52
Views: 4812

Re: Advice at 60

Sorry OP for your job loss, but I agree that you should be in serious job hunting mode (you didn't mention pension , so I assume none). A 4% draw from your nestegg only gives you about $21k... with a long way to go.... and you likely want to delay SS until at least FRA (if not 70, but I suspect that...
by Nestegg_User
Fri Mar 01, 2019 1:23 pm
Forum: Personal Consumer Issues
Topic: Retirement in Switzerland
Replies: 53
Views: 4809

Re: Retirement in Switzerland

No love for Liechtenstein? Possibly a tad cheaper. But again, there would likely be residency issues. FL seemed a bit more "closed" to outsiders when traveling through (Schaan, didn't go to Vaduz) but seems a bit quirky.... The OP didn't mention which area of Switzerland... (personally I didn't lik...
by Nestegg_User
Sun Feb 24, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: Things to do in Indiana
Replies: 64
Views: 4203

Re: Things to do in Indiana

Notre Dame campus, if you're up north around South Bend. Edit to add: and make sure to order pork tenderloin at some point (if you eat pork/meat). Eat pork tenderloin on the Notre Dame campus? Or eat sometime during the trip? Any suggestions on where to order it? Eat a pork tenderloin near the Purd...
by Nestegg_User
Sun Feb 24, 2019 3:45 pm
Forum: Investing - Theory, News & General
Topic: Ruminations on Taleb's "Antifragile" and its Applications to Retirement Income
Replies: 115
Views: 8205

Re: Ruminations on Taleb's "Antifragile" and its Applications to Retirement Income

we've got a few in short term treasuries and some in CD's in CU... and as I noted, I could always just start SS if needed we still have that bugaboo... Treasuries could be changed just like other countries (forced conversion) and TIPS, in a similar manner, could be voided (just as Argentina used an ...
by Nestegg_User
Sun Feb 24, 2019 2:22 pm
Forum: Investing - Theory, News & General
Topic: Ruminations on Taleb's "Antifragile" and its Applications to Retirement Income
Replies: 115
Views: 8205

Re: Ruminations on Taleb's "Antifragile" and its Applications to Retirement Income

If just a few individuals would post their 10% (or whatever) antifragile component, even if it would not work for me personally, it would be helpful. Walter, Items that might qualify for the high risk component could be: pay- day loans ( usually inversely correlated to market conditions, if at all,...
by Nestegg_User
Sat Feb 23, 2019 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to ensure USPS mailed tax return makes it to IRS
Replies: 52
Views: 3416

Re: Best way to ensure USPS mailed tax return makes it to IRS

hmmmm.... since at the top right it mentions " to pay fee...." I'm thinking that there's a fee (didn't check though)
by Nestegg_User
Sun Feb 10, 2019 10:02 am
Forum: Personal Investments
Topic: Rebalancing advice for 83 yr old woman
Replies: 12
Views: 1346

Re: Rebalancing advice for 83 yr old woman

I've had my 401K retirement $$ in Vanguard's Mutual Funds for over ten years. With not a great deal to invest, I need to be conservative, and I've been comfortable with the funds I've had. Never had a financial advisor and have been relying on my pretty limited investing experience. I'm a healthy, ...
by Nestegg_User
Sun Feb 10, 2019 9:07 am
Forum: Personal Investments
Topic: What Should I Ask The Schwab Rep?
Replies: 14
Views: 1051

Re: What Should I Ask The Schwab Rep?

In addition to the incentive, if your assets are large enough you "qualify" for status that you can have certain families funds be free from purchase fees (we've got Vanguard set up for one of ours). Since you are likely DIY as well, there's not too much more.... others might chime in on their credi...
by Nestegg_User
Sat Feb 02, 2019 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you need to live on 200k/ year forever?
Replies: 90
Views: 12488

Re: How much do you need to live on 200k/ year forever?

Jim Otar gave values for a PWR as 2.8% for nominal (not inflation adjusted) and 2.3% for inflation adjusted
(http://horsesmouth.com/how-to-calculate ... awal-rates)
that comes out to 7.1 or 8.7 million for either nominal or inflation adjusted, depending on the OP's intentions
by Nestegg_User
Fri Feb 01, 2019 12:42 pm
Forum: Personal Investments
Topic: We won the game, went to 50/50, but it just doesn't feel right
Replies: 108
Views: 11798

Re: We won the game, went to 50/50, but it just doesn't feel right

Thanks for all the replies, all good comments, that's what I love about this community. I will not be changing anything but after taking more risk during our earning years it is difficult to adjust, just like retiring. It seems our cash/bond position should be doing something, sort of like how I ca...
by Nestegg_User
Thu Jan 31, 2019 2:17 pm
Forum: Personal Consumer Issues
Topic: Value of old computer magazines?
Replies: 24
Views: 2245

Re: Value of old computer magazines?

Hold each of them in your hands, leaf through each of them, if each one does not bring you joy then recycle them. If they don't bring you joy it is unlikely they will bring anyone else joy. Note that some computer magazines are already archieved online (not necessarily complete series though) https...
by Nestegg_User
Thu Jan 31, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: TSP pay period 25
Replies: 15
Views: 1264

Re: TSP pay period 25

In last agency before retirement, there were very few maxing 401k, much less also the "catch-up contributions" as well (outlier here :wink:) so little need to make much of it. One of prior agency probably had a few... {sort of like the few of us in "step 00"... yep, it's real... there's no "steps" (...
by Nestegg_User
Thu Jan 31, 2019 1:23 pm
Forum: Personal Consumer Issues
Topic: Value of old computer magazines?
Replies: 24
Views: 2245

Re: Value of old computer magazines?

Hold each of them in your hands, leaf through each of them, if each one does not bring you joy then recycle them. If they don't bring you joy it is unlikely they will bring anyone else joy. Note that some computer magazines are already archieved online (not necessarily complete series though) https...
by Nestegg_User
Wed Jan 16, 2019 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Furloughed Fed Employee - How to make best use of time
Replies: 60
Views: 6074

Re: Furloughed Fed Employee - How to make best use of time

Your approach sounds good. Knock off whatever mandatory online training you can, like EEO, Sexual Harassment, Supervisor, etc. Study for a PMP cert. Embrace the chaos of the moment. not quite, TimeRunner... per requirements, if furloughed you cannot do anything related to employment- - no work e-ma...
by Nestegg_User
Sun Jan 13, 2019 1:32 am
Forum: Personal Finance (Not Investing)
Topic: Stay in private practice medical or take VA job offer?
Replies: 45
Views: 3759

Re: Stay in private practice medical or take VA job offer?

No that's not how it works my wife has been a federal employee 15 years and has went through multiple shutdowns under different administrations. 1.) Essential employee's work as normal and get paid just like every other day. 2.) Non-Essential employee's are sent home during the duration or called b...
by Nestegg_User
Fri Jan 11, 2019 1:21 am
Forum: Investing - Theory, News & General
Topic: SS/Pension/etc as bond allocation?
Replies: 25
Views: 1701

Re: SS/Pension/etc as bond allocation?

OP, you've been here long enough to know... pension is income/cash flow, it has nothing to do with bonds in your portfolio... it simply means that the portfolio won't need to supply as much in your retirement so if you've got your 1M$ (Aussie) getting you 35 k $ (Aussie)/year (using a more conservat...
by Nestegg_User
Fri Jan 04, 2019 10:54 pm
Forum: Personal Consumer Issues
Topic: USPS price increase on 1/27/19
Replies: 74
Views: 6761

Re: USPS price increase on 1/27/19

That's ok. Eventually they'll reach price parity with UPS/Fedex at which point the USPS can just die and go away. Crappy customer service and slow shipping. It gives me hives to even think about standing in line at the post office. It's one of the many government-run entities that should be shut do...
by Nestegg_User
Tue Dec 25, 2018 5:21 pm
Forum: Personal Investments
Topic: Help with whittling
Replies: 6
Views: 690

Re: Help with whittling

hmmm, "depends" If you've had the individual stocks only recently you have some TLH opportunities in NTR and XOM, so sell those (FE, First Energy, hasn't fallen nearly as much but I suspect that the 4.2% dividend yield isn't sustainable given the current energy situation). I wouldn't touch the treas...
by Nestegg_User
Tue Dec 25, 2018 4:55 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting in 0% bracket for capital gains
Replies: 6
Views: 713

Re: Tax Loss Harvesting in 0% bracket for capital gains

siamond I have similar problem, Roth conversion or tax gain harvest, in retirement. Leaning towards tax gain harvest at 0%, with state taxes coming out of brokerage for safe harbor. Then in January doing any tax loss harvesting; will do Roth conversion and rebalancing later; currently only have smal...
by Nestegg_User
Tue Dec 25, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Win 10 image backup software?
Replies: 21
Views: 1948

Re: Win 10 image backup software?

^^^ I agree. For those who may not understand jebmke's post - - Test your recovery boot media immediately after creating it, while your computer is still healthy. You should be able to select and restore the backup image you've just made. =========================== It is very easy to say that you ...
by Nestegg_User
Tue Dec 25, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling to accurately calculate if taking cash advance was worth it
Replies: 28
Views: 1857

Re: Struggling to accurately calculate if taking cash advance was worth it

Raymond

at least the cans today are worth more (in some areas they are ten cents each); back in the day it was about twelve cents a pound...