Search found 1027 matches

by Nestegg_User
Sat Oct 20, 2018 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Waiving contingencies for co-op purchase?
Replies: 16
Views: 874

Re: Waiving contingencies for co-op purchase?

(as I said, of course your broker wants to close, he doesn’t get paid otherwise) for me, $200k wasn’t “chicken feed”...obviously you are in a VHCOL area, but one mil for your first house seems WAY up there {admittedly, my first house was decades ago in a MCOL area and was below $100k...} and I would...
by Nestegg_User
Sat Oct 20, 2018 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: What if your risk tolerance is lower than what's best for your portfolio?
Replies: 51
Views: 3643

Re: What if your risk tolerance is lower than what's best for your portfolio?

Thanks again to all who've offered insights...this has been extremely helpful! HomerJ and KlangFool: Before I posted, I felt I was in good shape; I didn't realize how good. Really appreciate your putting things into terms that help drive the point home! rkhusky: I had wondered about that but was co...
by Nestegg_User
Sat Oct 20, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Waiving contingencies for co-op purchase?
Replies: 16
Views: 874

Re: Waiving contingencies for co-op purchase?

....at your peril !!! it appears that the agent just wants their commission (half of the 6% typical would be just over $30 k, since you bid just over ask).... agents get paid to close , alas, even buyer agents have an incentive to get the property to close... but should at least give info on proper...
by Nestegg_User
Thu Oct 18, 2018 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Basic or Standard for Knee Surgery
Replies: 8
Views: 901

Re: Federal Blue Cross Basic or Standard for Knee Surgery

bsteiner we went with BC/BS standard...it’s accepted virtually everywhere, which was needed when we each were in very different areas just before retirement (a couple of thousand miles apart) but also if you do any RV or other travel... It’s not the cheapest... I think GEHA use to be the cheapest, t...
by Nestegg_User
Thu Oct 18, 2018 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 107
Views: 5521

Re: Depositing Cash if it was gifted?

If you have any friends who are numismatists you should have them look at the banknotes Even if your numismatic friends collect coins not paper money s/he can access references to help value the banknotes. Dealers often try to rip the numismatic material. Unknowing heirs are a major profit opportun...
by Nestegg_User
Wed Oct 17, 2018 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Basic or Standard for Knee Surgery
Replies: 8
Views: 901

Re: Federal Blue Cross Basic or Standard for Knee Surgery

Panda If it’s a replacement... figure on at least two to three days in hospital, therapy in-house there on day two/three, then twelve weeks of outpatient care (therapists/occasional nurse/in-home exercise initially)... then calculate the out-of-pocket costs for each of your plans. We had standard......
by Nestegg_User
Wed Oct 17, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Re-doing a trust, contingent beneficiary question
Replies: 6
Views: 535

Re: Re-doing a trust, contingent beneficiary question

We didn’t name specific charities in the trust document itself, rather we designated an amount to go to charities with a notation that a separate list would be provided. We also stipulated that any beneficiary, including charities, that challenged the trust would immediately be eliminated from any b...
by Nestegg_User
Sat Oct 13, 2018 1:19 am
Forum: Personal Consumer Issues
Topic: Census [Received form in mail]
Replies: 21
Views: 1739

Re: Census

twain I was reading that he got it through the mail... not e-mail _____ if fraudulent, he should have the postal inspector notified! I would call the US Census dept directly... using known phone numbers.... found in having hard copy phone directory... you know, those paper things :P (I surely would ...
by Nestegg_User
Fri Oct 12, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Home Purchase - Sellers Request Help with Repairs
Replies: 69
Views: 3052

Re: Home Purchase - Sellers Request Help with Repairs

the septic system should have been pumped on some type of regular schedule and the company doing it would likely have told the sellers its condition we specified in our house that a separate inspection be done with record of prior service. While it was a “vacation home”, service still needed to be d...
by Nestegg_User
Fri Oct 12, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: How much assets to self insure (Life) ?
Replies: 14
Views: 620

Re: How much assets to self insure (Life) ?

age? depending on age and other factors... the insurance may be cheap enough to consider for worse-case event. cost of individual versus risk pool of employer may dictate you stay with current, although as noted it goes away when employment stops remember that if one spouse is lost, then there is us...
by Nestegg_User
Fri Oct 12, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions about age 66 to 70 Roth Conversions - up to 12% or 22% bracket
Replies: 12
Views: 831

Re: Opinions about age 66 to 70 Roth Conversions - up to 12% or 22% bracket

After numerous i-ORP simulations I am attempting to decide between doing Roth conversions up to the 12% tax bracket or up to the 22% tax bracket in my first 4 years of retirement before I collect SS at 70. The available disposable income doesn't change much either way. I will need to pay the tax on...
by Nestegg_User
Thu Oct 11, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Job Opportunity - Via Staffing Agency
Replies: 29
Views: 2253

....it’s been that way for quite a while

sschoe2: unfortunately, the field has been that way for quite a while (decades) : you are either one of the “core” researchers or a set of replaceable hands. ...and all those with just an undergrad are “hands” (with some companies... like Pfizer , Monsanto, Merck....treating many pfuds that way too,...
by Nestegg_User
Thu Oct 11, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Retroactive SS benefits
Replies: 3
Views: 424

Re: Retroactive SS benefits

....so for a person who reaches FRA in may, it is correct that filing for SS to start in december (no retroactive benefits)... they would receive “normal” benefit amount in December then in January they would receive benefits with the enhancement of the DRC.... {income from SS in december would need...
by Nestegg_User
Wed Oct 10, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 70
Views: 5888

Re: Black Friday is coming.. what's on your list?

Cycle wrote:
Wed Oct 10, 2018 6:13 pm
Momus wrote:
Wed Oct 10, 2018 5:56 pm
Might pick up a camera for a YouTube channel as a side hobby. Getting bored with 2 days off a week.
You think weekends should be shorter? I'd think 3 day weekends would be a step in the right direction.
you get weekends? all we’ve got are seven days off a week.... 8-)
by Nestegg_User
Tue Oct 09, 2018 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Job Opportunity - Via Staffing Agency
Replies: 29
Views: 2253

Re: Job Opportunity - Via Staffing Agency

MJW wrote:
Tue Oct 09, 2018 10:34 pm
Nestegg_User wrote:
Tue Oct 09, 2018 8:49 pm
MJW wrote:
Tue Oct 09, 2018 3:42 pm
miriamele wrote:
Tue Oct 09, 2018 3:34 pm
I work in HR
Bless your heart. :P
Is that meant in a “Southern” way?
I don't know. I'm not from the South.

might I suggest you look it up in either the “urban dictionary” or in wiki
{ it probably doesn’t mean what you think it means}
by Nestegg_User
Tue Oct 09, 2018 9:45 pm
Forum: Investing - Theory, News & General
Topic: Argument for taking social security before 70. Comments?
Replies: 134
Views: 10185

Re: Argument for taking social security before 70. Comments?

{many longevity calculators don’t consider your prior type of employment.... it really should... insurance companies consider it when possibly issuing policies. If your prior work didn’t allow you to be in a super preferred insurance ranking, as mine didn’t, there’s likely a lower likelihood of reac...
by Nestegg_User
Tue Oct 09, 2018 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Job Opportunity - Via Staffing Agency
Replies: 29
Views: 2253

Re: Job Opportunity - Via Staffing Agency

MJW wrote:
Tue Oct 09, 2018 3:42 pm
miriamele wrote:
Tue Oct 09, 2018 3:34 pm
I work in HR
Bless your heart. :P
Is that meant in a “Southern” way?


Agree with others, relocation under those conditions does weaken your leverage if/when a permanent position is negotiated. (especially if the new market relocated to has few opportunities)

PASS
by Nestegg_User
Sat Oct 06, 2018 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: The Psychological Dimension Of The Transition To Retirement
Replies: 25
Views: 2815

Re: The Psychological Dimension Of The Transition To Retirement

OP, with a username GmanJeff you are (very) likely a federal employee... but if you are in FERS...(highly likely since you’re under 62 and the transition occurred back in 87), then why not wait the additional months until 62 and get the 1.1 multiplier rather than the 1.0 (plus the few months of supp...
by Nestegg_User
Tue Oct 02, 2018 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to retire early, what should I do?
Replies: 19
Views: 1473

Re: Trying to retire early, what should I do?

...and Undone add the “collectible cards” to your “beanie baby collection... they aren’t an “investment” trying to estimate 20+ years ahead just isn’t possible, just save as much as you can reasonably (best in tax deferred) and not try to raise your costs It can and does work... as retirees, we’re p...
by Nestegg_User
Tue Oct 02, 2018 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Should an emergency fund be for all emergencies?
Replies: 9
Views: 997

Re: Should an emergency fund be for all emergencies?

there’s AirMedic and another service like that around here....varies from $85-$130 annually ...but they have to get to you first, and that can take a while...and then they only get you to a place that stabilizes you. We can probably drive there faster... as others have said, it’s unlikely that you c...
by Nestegg_User
Mon Oct 01, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Do you like technical conferences?
Replies: 31
Views: 1946

Re: Do you like technical conferences?

I tended to limit my conferences... usually due to budget constraints, but sometimes there just wasn’t enough new material to justify the time, cost, delay of current projects. The choice ones were small, but very targeted niche conferences... but the topics had to be directly on-point. ( These ofte...
by Nestegg_User
Sun Sep 30, 2018 9:13 pm
Forum: Investing - Theory, News & General
Topic: Grok's LMP-4: The 3-legged stool approach to retirement planning
Replies: 137
Views: 13005

Re: Grok's LMP-4: The 3-legged stool approach to retirement planning

{snip...} .... as for ST TIPS, I use G fund... effectively same return but with no duration issues i thought they were talking about changing the G fund rate to be tbills. https://www.fedweek.com/tsp/budget-proposes-trimming-g-fund-rate/ cheers, grok as that has been PROPOSED, but not approved, tha...
by Nestegg_User
Sun Sep 30, 2018 9:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 440
Views: 49403

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

changed username after we retired....
(still haven’t dented the pile.... under 2% wr, that’s before SS, which I’ll start at FRA+ at the earliest)




(...and Morgan... no, I won’t give you my 1878 or 1882’s (in only fine condition) nor even my “O”’s....)
by Nestegg_User
Sun Sep 30, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: Solar LED Lanterns/Luci Lights or Similar?
Replies: 4
Views: 496

Re: Solar LED Lanterns/Luci Lights or Similar?

for just a bit more than the Luci light ( which really aren’t powerful at all, just enough to see around campsite) I’d go to Harbor Freight and get their 36 LED solar light...it’s more light and reasonably reliable (for about three to four hours, any more then depending upon how much light it had to...
by Nestegg_User
Sun Sep 30, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Balance Living Life & Savings
Replies: 17
Views: 2098

Re: Balance Living Life & Savings

I just don’t see the need to convert existing house into rental... when you are that “close” cash flow wise... and you could loose the home equity deduction, as well, if rented out too long your retirement savings are way too low for that income, so don’t expect retirement anytime soon, especially i...
by Nestegg_User
Sun Sep 30, 2018 5:25 pm
Forum: Investing - Theory, News & General
Topic: Grok's LMP-4: The 3-legged stool approach to retirement planning
Replies: 137
Views: 13005

Re: Grok's LMP-4: The 3-legged stool approach to retirement planning

{channeling KlangFool...} ....at 42-45, if you last that long, you get pushed out...to either be replaced by K-1 visa types (who then earn at maybe level 2-3 pay, and are therefore cheaper than you) or it gets outsourced to cheaper labor centers... housing goes through a Houston-like bust, but your ...
by Nestegg_User
Sun Sep 30, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Now or Wait
Replies: 18
Views: 1579

Re: Retirement Now or Wait

half marathon I agree with others: you CAN afford to retire assuming 1) you have no pension and 2) you also haven’t included taxes ....I’m increasing your requirements to $100k/yr ( to include taxes or give you a buffer; with your mix of taxable and tax-deferred you should be able to stay in the low...
by Nestegg_User
Sat Sep 29, 2018 1:55 am
Forum: Investing - Help with Personal Investments
Topic: Tax Efficient Schwab Bond Fund
Replies: 14
Views: 1251

Re: Tax Efficient Schwab Bond Fund

Aren’t there commissions when buying Vanguard ar Schwab? Yes there is. In the case of Vanguard Inter-Term Tax Exempt VWITX it's $76 and $0 to sell. This is one of the reason to use Schwab funds wherever possible and do sales as infrequently as possible, such as once-a-year in my MIL's case. If you ...
by Nestegg_User
Wed Sep 26, 2018 8:40 pm
Forum: Forum Issues and Administration
Topic: SITE OFFLINE Wednesday, 9:00 PM Eastern (01:00 UTC) - software upgrade
Replies: 16
Views: 825

Re: SITE OFFLINE Wednesday, 9:00 PM Eastern (01:00 UTC) - software upgrade

jehovasfitness wrote:
Wed Sep 26, 2018 7:24 pm
When I make bad financial decisions at 9pm I can now blame the update
.....hmmm, 6 p.m. for us west coaster retirees

glad it’s back up
by Nestegg_User
Tue Sep 25, 2018 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 209
Views: 19253

Re: Federal Retiree Health Care with/Medicare

I posted below as an edit to the "Turning 65, and choosing not to take Medicare Part B" thread, found at: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=230253 In that thread I was leaning towards not taking Part B. Now I am. ...... "Quick update to this post 6/14/18: Exercising the right to ...
by Nestegg_User
Mon Sep 24, 2018 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: To rent out our house or not
Replies: 25
Views: 1419

Re: To rent out our house or not

(I suggest that you read the numerous threads on long distance landlords) the usual caveats: if you rent too long, you give up the Home Sales Exclusion on capital gains... if it’s a place like CA, they still will have their hands in your tax situation {especially if you return to the residence, they...
by Nestegg_User
Mon Sep 24, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Vacation without saving adequately?
Replies: 70
Views: 5140

Re: Vacation without saving adequately?

that’s an easy one... “No ski trip for you” you need to get comfortable staying within your financial boundaries; in this case, since you didn’t prepare for that trip, and to take it would mean either not saving adequately or creating debt that would impact future savings, the answer is CLEAR... NO ...
by Nestegg_User
Sun Sep 23, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3719

Re: How to get rid of rabbits

What part of the country....? Where I live, PNW, we simply enjoy them. We have never done anything to discourage them... and their affect on our yard is minuscule. They eat clover around our place, and some of the weeds it seems. I guess not all of us: https://www.usnews.com/news/best-states/oregon...
by Nestegg_User
Sun Sep 23, 2018 12:23 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3719

Re: How to get rid of rabbits

how many coyotes and hawks do you need?
we’ve got plenty to spare here... but still have issues with cottontails and jacks getting into the gardens
by Nestegg_User
Sun Sep 23, 2018 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Should I try to sell Rental prop or Refi to generate cash?
Replies: 9
Views: 1003

Re: Should I try to sell Rental prop or Refi to generate cash?

based on the numbers for your rental... I’d sell it, especially if done before the need for the conversation from septic. (it will take quite a while for that to pay back, even in nominal dollars) that you are considering a 72t says that you are a ways from 60+ (see on edit that you’re 52), the fund...
by Nestegg_User
Sat Sep 22, 2018 3:54 am
Forum: Personal Consumer Issues
Topic: You don't get all the rebates if you take the 0% financing
Replies: 18
Views: 2561

Re: You don't get all the rebates if you take the 0% financing

as I said earlier in another thread, take the rebate to reduce costs, then pay off in one (maybe two if required) months... it gives the dealer a positive hit on their “metrics” and gets you the rebate that reduces your cost more than the small interest you pay (you are pretty much stuck with one mo...
by Nestegg_User
Fri Sep 21, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Proposed Retirement Portfolio Critique Solicited
Replies: 7
Views: 774

Re: Proposed Retirement Portfolio Critique Solicited

to be blunt, I’d have to agree with the above posters The allocation vis-a-vis stock/ bond and domestic versus international is within bounds.... but the er’s are WAY TOO HIGH, and way too many funds especially in bonds where there’s some at 1% of total. a couple of bond funds or use Wellesley or VS...
by Nestegg_User
Fri Sep 21, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: New car - 0% loan or $500 rebate
Replies: 26
Views: 2057

Re: New car - 0% loan or $500 rebate

for only $500, it’s really not worth the effort when I did purchase a vehicle last year, I was able to take advantage of a $1250 rebate rather than cash, and like you basically financed only $20k. paid it off after the month- - better return; the price had already been negotiated (and couldn’t impro...
by Nestegg_User
Fri Sep 21, 2018 12:37 am
Forum: Personal Consumer Issues
Topic: Traveling Outside of US and on Medicare
Replies: 5
Views: 780

Re: Traveling Outside of US and on Medicare

An over 5k watch works well as barter and has been discussed in prior threads. :wink: Is that the one you got over in Kusadasi? :wink: https://www.forbes.com/sites/marcwebertobias/2012/09/19/how-to-buy-a-fake-watch-in-turkey/ {been there; in the bazaar there is actually a sign on the shop “genuine ...
by Nestegg_User
Wed Sep 19, 2018 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to Dallas, how to establish residency
Replies: 47
Views: 2969

Re: Moving to Dallas, how to establish residency

in addition to Friars comments: actually turn in your vehicle plates and get receipt (that helps verify that the move is to be permanent); in addition, notify your prior county to REMOVE you from voter rolls (again, shows full intent to make move permanent) change your insurance to the new location-...
by Nestegg_User
Tue Sep 18, 2018 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Facing Retirement at year end
Replies: 22
Views: 2732

Re: Facing Retirement at year end

Weasel

one thing about SS is that many (most) states don’t tax it, which then results in more “after-tax” money being available

The OP didn’t say whether the pension had survivor benefits (and, if so, what the percentage was)
...any SPIA they purchase should be joint life
by Nestegg_User
Tue Sep 11, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 60
Views: 4015

Re: How often do you guys get alignment done on your cars?

Every time I have my carburetor cleaned. Or when I get the distributor points changed. you should do it every time you have the commutator ground on your generator ...and after every time you have to readjust your float valve in your carburetor (and, of course, at that time you should take out and ...
by Nestegg_User
Sun Sep 09, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: Decking materials -your thoughts
Replies: 11
Views: 1046

Re: Decking materials -your thoughts

having just got back from Yellowstone a couple of days ago, one thing that stood out there was that over the geysers in the park they were replacing the wood planks used over places like middle geyser area with composite . Now, I don’t know which brand, and it does look too “plastic” for my taste, b...
by Nestegg_User
Sat Sep 08, 2018 12:09 am
Forum: Investing - Theory, News & General
Topic: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com
Replies: 69
Views: 5703

Re: Historical SWR vs. Monte Carlo on PortfolioVisualizer.com

R2D2 you might want to peruse some of the work of Pfau (and others) regarding international SWR’s, which includes some countries either overrun in the world wars or direct participants...not including the US. It shows just how low things can get, especially when you weren’t the “lucky” country that ...
by Nestegg_User
Fri Sep 07, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: Yellowstone and Grand Teton must see and do
Replies: 22
Views: 1844

Re: Yellowstone and Grand Teton must see and do

Watty as I noted, I JUST got back... haze only in the afternoon the parking lot for the fairy falls was limited, some areas were closed (don’t know why) and you know that it’s the best location for an overall view of the site...takes a bit of a hike to get there (not overly bad, just a bit of elevat...
by Nestegg_User
Fri Sep 07, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 48
Views: 4031

Re: Recommend a good SOCK. Yes, I said SOCK!

I would have suggested the basic wool "Smartwool" socks. But last time I looked for them, they were no longer all wool (or almost all wool?), and they were clearly a different, much thinner fabric. However, the "design" appeared the same, with the slight cabling on the vertical part starting just b...
by Nestegg_User
Fri Sep 07, 2018 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for info on Stifel
Replies: 5
Views: 777

Re: Looking for info on Stifel

Stifel, Nicolaus and Company has been around awhile as it’s original company was founded in ** 1890 ** HQ in STL with offices in Canada and Europe; “full service broker”. edit: I’ve lived in STL in the past, so heard of them (they also provide some of the “financial news” spouted in the press). They...
by Nestegg_User
Fri Sep 07, 2018 1:59 am
Forum: Personal Consumer Issues
Topic: Yellowstone and Grand Teton must see and do
Replies: 22
Views: 1844

Re: Yellowstone and Grand Teton must see and do

.... and if you want a SERIOUS workout, try biking up the pass from Jackson towards Idaho (victor, ID) {I know I couldn’t do it}.... it’s a 10% grade :shock: .... on top you can see the whole valley
by Nestegg_User
Thu Sep 06, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Yellowstone and Grand Teton must see and do
Replies: 22
Views: 1844

Re: Yellowstone and Grand Teton must see and do

just got back from Yellowstone/Tetons .... yesterday! Fishing Bridge is now closed... construction there, whole campground will be redone Most all ranger talks are now over; reduced staffing is now ~9-5 (since september 5) so rangers are only available for permits/safety/etc and not for presentation...