Search found 937 matches

by Nestegg_User
Fri Jun 15, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 179
Views: 14946

Re: Life in retirement - what did you do today?

Yesterday, shopped for supplies/accessories for the RV trailer we just picked up (used 25 ft in excellent condition for under 10k). did a clean up of trailer; it’s already very clean, just wanted to make sure refrigerator/freezer is good, etc. This morning, made coffee and looked out on our views of...
by Nestegg_User
Sun Jun 10, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Can we discuss whisk?
Replies: 29
Views: 2869

Re: Can we discuss whisks?

I’m more into whisk reduction in my retirement :P

As for allocation; the large is in the house and the smaller is in the RV trailer. I only bring the one since we don’t need any more whisk than is necessary in retirement.
by Nestegg_User
Sun Jun 10, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Can we discuss whisk?
Replies: 29
Views: 2869

Re: Can we discuss whisks?

agree: Sur La Table or Crate and Barrel are where we’ve picked up good materials

(...and you don’t have to have separate allocation to domestic and foreign, BTW)
by Nestegg_User
Wed Jun 06, 2018 11:22 pm
Forum: Personal Consumer Issues
Topic: How to know if power is cut to smoke detector
Replies: 35
Views: 3488

Re: How to know if power is cut to smoke detector

actually, you might have a fire department help we had to have some replaced at our old house and a fireman said if we bought them he’d help replace them and verify they worked (some were VERY high, and we’d had knee replacements so didn’t want to climb to those heights on the cathedral ceilings) th...
by Nestegg_User
Wed Jun 06, 2018 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: TSP to Roth IRA Conversion?
Replies: 2
Views: 403

Re: TSP to Roth IRA Conversion?

(remember that the multiple withdrawal option is NOT yet available...it’s implementation is still to be determined, and currently all withdrawals are proportional, you CAN’T designate to withdraw ONLY from your ROTH 401k, that’s been one of the problems that retirees have faced and why there were tr...
by Nestegg_User
Sun May 20, 2018 7:11 pm
Forum: Investing - Theory, News & General
Topic: The Millionaire Next Door and civil servants
Replies: 99
Views: 14086

Re: The Millionaire Next Door and civil servants

....but today’s FERS employees (those recently hired) are paying almost 5%/yr of salary to get a pension of 1%*(high three)*yrs of service to get it {so they are paying a significant amount towards it} (that has an effect on ability to save additional outside of 401k/Thrift, ie fewer are fully match...
by Nestegg_User
Sun May 20, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 138
Views: 7783

Re: Is there a boglehead muscle car?

having had an old Camaro with a 350 back in the day, even it wasn’t quite the true “muscle car”, but a V-6 mustang... don’t make me laugh, it’s not even close. (but the Camaro couldn’t even do what I did after rebuilding an older Audi, where I hit 135 before slowing down and double nickeling back. y...
by Nestegg_User
Sat May 19, 2018 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: TSP->Roth IRA conversion
Replies: 6
Views: 712

Re: TSP->Roth IRA conversion

The problem is that there’s few ways to do that: the former employee might be able to take * partial* amount out to ROLL OVER into traditional IRA (can only do this ONCE right now, changes might be pending (see other thread)). Then they could do ROTH conversions with that money, but as noted above t...
by Nestegg_User
Sat May 19, 2018 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Buying land in central FL
Replies: 55
Views: 5361

Re: Buying land in central FL

looking at the sellers: they are reported to be in the gasoline and gas station business, with 5 employees, and less than $400k liquidity . then another shows 7 employees with excavation, etc.... and another shows real estate (flips and subdivision, etc). The principals seem to have multiple busines...
by Nestegg_User
Thu May 17, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Question for Federal Govt Retirees
Replies: 20
Views: 1390

Re: Question for Federal Govt Retirees

-- but remember that the health insurance will no longer be pretax Hadn't heard that before In the older days, feds **Couldn’t** pay HI with pre-tax while private sector could! It was changed, so now both can (although I’m not sure that it’s mandatory) AFA payment of HI in retirement, that’s almost...
by Nestegg_User
Thu May 17, 2018 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage decision killing me
Replies: 52
Views: 6831

Re: Mortgage decision killing me

I’d echo others: get the 30 year and prepay like it’s a 15 year, you can always “back off” the prepayment but you cannot stop if it’s a 15 year, unless you refinance. ( and definitely not the ARM)
by Nestegg_User
Thu May 17, 2018 12:35 am
Forum: Personal Consumer Issues
Topic: any disadvantages to using Delta Skymiles for fare?
Replies: 34
Views: 2917

Re: any disadvantages to using Delta Skymiles for fare?

prior experience we had: had gotten two tickets- one purchased outright with the other with miles flight was getting bumped- due to status of ticket from miles, it was lower rank and got bumped. we had to choose to both wait for ** whatever ** next flight they could get us on, not necessarily the ne...
by Nestegg_User
Tue May 15, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Planned Summer trip to the Finger Lakes. Suggestions?
Replies: 8
Views: 744

Re: Planned Summer trip to the Finger Lakes. Suggestions?

Wineries are something to do along the Finger Lakes - although not sure that meets your kid friendly definition. Both Ithaca and Watkins Glenn have nice gorges. Ithaca is college town with Cornell University there and is nice for a visit. Not sure about staying a week in any one place but Corning h...
by Nestegg_User
Tue May 15, 2018 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Harvesting
Replies: 5
Views: 786

Re: Tax Harvesting

NO

it can clearly be shown that the duration is different, so must be sufficiently different
by Nestegg_User
Tue May 15, 2018 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Special needs inheritance situation: whole life insurance?
Replies: 6
Views: 956

Re: Special needs inheritance situation: whole life insurance?

definitely DON’T work with the “acquaintance”!! whole life is NOT for that case; in our trust we set up a special needs trust for a siblings adopted special needs child. there is specific verbiage in the trust to basically say that it doesn’t replace SSDI or any other benefits but rather is a supple...
by Nestegg_User
Tue May 15, 2018 10:23 pm
Forum: Personal Consumer Issues
Topic: Travel trailers RVs etc
Replies: 14
Views: 1614

Re: Travel trailers RVs etc

While we haven’t pulled the plug on getting a trailer, we did get a F-250 crew cab with trailer brake controller, etc for the (eventuality) that we will get one. for just a small family, it probably isn’t justified cost wise- - but we’ve also seen that even when a motel is “pet friendly” it may limi...
by Nestegg_User
Tue May 15, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: Planned Summer trip to the Finger Lakes. Suggestions?
Replies: 8
Views: 744

Re: Planned Summer trip to the Finger Lakes. Suggestions?

ages ago I camped at the state park at Watkins Glen... it was a good location for checking out the area, but had very few amenities at that time (it may have changed)

(the advantage was low cost...in those days that was important).
by Nestegg_User
Fri May 11, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Is REIT a prudential investment choice at the moment?
Replies: 20
Views: 1942

Re: Is REIT a prudential investment choice at the moment?

bingo to “wolf” OP, the IPS is your start. REIT ...as a REIT fund... is complementary to the rest of your portfolio, and may not even be desired as there are many on the board that don’t diverge from a “three fund” portfolio (doesn’t have to be Vanguard, could be Fido or Schwab) we held Vanguard REI...
by Nestegg_User
Fri May 11, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Buying a Boat
Replies: 47
Views: 4871

Re: Buying a Boat

Thoughts on Johnson motors? They never seem to get the rep that Honda, Yamaha, Merc, etc get. But I've been on the lake plenty of times and have seen ANCIENT Johnson motors still running, albeit of lower horsepower i love my 1980 115 johnson... you can see the old commercial: https://www.youtube.co...
by Nestegg_User
Wed May 09, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 5753

Re: How to handle problem employee

I'm a relatively new manager, just 6 months into the job. I inherited an employee and I think I'm seeing that we have a personality conflict. She has a fair amount of experience at other companies, but is pretty new to our company. I think you may not appreciate her experience, especially if proces...
by Nestegg_User
Tue May 08, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 2662

Happy 89th birthday to [Jack] Bogle

(surprised no one else posted)

[Thread updated, see below. --admin LadyGeek]
by Nestegg_User
Mon May 07, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16461

Re: most compelling TV character ever

but dragon wasn’t as central to the show as that horse was... and I didn’t mention Beanie & Cecil either (I think that was early reruns in earlier to mid -60’s)
(am I showing my age?)
by Nestegg_User
Mon May 07, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Anyone from Dayton,OH area-?'s
Replies: 21
Views: 1371

Re: Anyone from Dayton,OH area-?'s

No need for snow tires in Dayton, Ohio. Anywhere along the 675 corridor is best location - Beavercreek, Bellbrook, Centerville, Springboro second the recommendation for Pine Club. Dewey's for Pizza, Graeter's for Ice Cream, and Mikesell for Tater Chips are all good recommendations. for ice cream- -...
by Nestegg_User
Mon May 07, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16461

Re: most compelling TV character ever

Joey Heatherton in those mattress commercials. LOL... Holy cow you must be old to remember that. :D Then I must be old too...and if I remember it was for the Serta “Perfect Sleeper” :D ( how’s my memory?) AFA the thread, might as well put in Mr Ed :mrgreen: Edit: I was right... https://www.youtube....
by Nestegg_User
Tue May 01, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Help me get on top of some debt before college expenses arrive...
Replies: 50
Views: 2858

Re: Help me get on top of some debt before college expenses arrive...

I like this place because you can ask a question (rhetorical or otherwise) and get a bunch of feedback and then ignore it all. Merica is a great place! All you need is a boat and an RV loan and you cornered the market. :wink: Many paths. Onward and upward. nah, Bloom still needs the time share, ind...
by Nestegg_User
Mon Apr 30, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Bicycle Questions
Replies: 44
Views: 2435

Re: Bicycle Questions

if she’s going to SLU, none of the area is really bike friendly and theft is more likely if she’s going to Wash U, unless she’s staying in U City or Clayton there’s just too much traffic to make it safe to bike to campus we both know that the weather can also be a significant problem: the torrential...
by Nestegg_User
Wed Apr 25, 2018 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Who benefits from "best and final offer" on condo?
Replies: 107
Views: 6172

Re: Who benefits from "best and final offer" on condo?

RE:best and final It definitely helps the sellers since there is disparate information, in this case the seller knows details of ALL offers while you only know yours, and there could be those that “fall in love” with the house and so are emotionally prone to overbid... the idea of best and final bri...
by Nestegg_User
Mon Apr 23, 2018 12:16 am
Forum: Personal Consumer Issues
Topic: How much off MSRP should one expect?
Replies: 23
Views: 2214

Re: How much off MSRP should one expect?

6.25% sounds like Massachusetts, where I live. I'd guess you're new to our state and don't understand how taxes work. My manager at my first engineering job had the bright idea to drive up to New Hampshire, where they have no sales tax in order to buy that used Mercedes S class. He bought it and th...
by Nestegg_User
Sun Apr 22, 2018 11:53 pm
Forum: Personal Consumer Issues
Topic: Prepping My Snowblower for Off-Season
Replies: 11
Views: 1116

Re: Prepping My Snowblower for Off-Season

(didn’t get enough snow to even put (non-ethanol) gas into the NEW snowblower :? ; so I didn’t get either gas or 5W oil in it yet) for the other small engine stuff, I’ve usually either had stabilized gas (newly mixed) put in and then run until hot, or for the pre-mixed stuff (1:40 or 1:50) then it’s...
by Nestegg_User
Sat Apr 21, 2018 2:13 am
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 173
Views: 14977

Re: I’m still not a fan of international bond funds

As a US-based investor, I agree. If investing from overseas, I would go for an international currency-hedged fund, even if the yields sthink. Bonds for safety, not returns. Thanks for clarifying. I agree in general. It depends on the county an investor resides in. Rick Ferri Out of curiosity in whi...
by Nestegg_User
Thu Apr 19, 2018 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Is this annuity really as bad as I think it is? (Symetra Select 7)
Replies: 6
Views: 1200

Re: Is this annuity really as bad as I think it is? (Symetra Select 7)

Sorry Sarge but that’s a bit like saying to the plebes that start their “investing” with First Command ... when they can do SO MUCH BETTER elsewhere, like Vanguard, Schwab, or Fido.... https://www.bogleheads.org/forum/viewtopic.php?t=200425 [immediateannuities gives $525/mo for life for single, and ...
by Nestegg_User
Thu Apr 19, 2018 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement - On the fence, need sanity check
Replies: 53
Views: 9305

Re: Early Retirement - On the fence, need sanity check

Ikigai

That’s why, in my response, I said there’s NO real benefit since you were 56. ( only IF you were 61 with 30 years would I have said “did you realize that one more year gives you the equivalent of four years of benefits?”.... you, no there’s no advantage)
by Nestegg_User
Wed Apr 18, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Perks of Owning Certain Individual Stocks
Replies: 28
Views: 3405

Re: Perks of Owning Certain Individual Stocks

One share of Berkshire Hathaway used to give you discounts on GEICO, as they are owned by BH
by Nestegg_User
Tue Apr 17, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: "Safe" funds for a life insurance proceeds
Replies: 15
Views: 1139

Re: "Safe" funds for a life insurance proceeds

your job as guardian ENDS at the age of maturity... “locking up” funds beyond that is what is uncalled for
by Nestegg_User
Tue Apr 17, 2018 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help with CD ladder strategy for emergency fund
Replies: 36
Views: 2715

Re: Help with CD ladder strategy for emergency fund

as noted by earlier posters, it’s really not advantageous to go beyond 2 year CD’s at this time. I would break up your CD’s into segments: $5 k into 2 year CD every six months, while keeping the rest in higher savings account. That way if you need to “break” a CD it doesn’t affect the rest... need $...
by Nestegg_User
Tue Apr 17, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: "Safe" funds for a life insurance proceeds
Replies: 15
Views: 1139

Re: "Safe" funds for a life insurance proceeds

Interesting situation. Have you consulted an attorney? What does he say? A couple of CD's would be a fine choice. If the court allows it, you might want to create a ladder with a larger portion of the funds "locked up" in 5 or 10 year CD's, with just enough in short term CD's to pay for college. Do...
by Nestegg_User
Tue Apr 17, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement - On the fence, need sanity check
Replies: 53
Views: 9305

Re: Early Retirement - On the fence, need sanity check

The sequence of returns risk is very minimal for you given your high early pension. For the first 6 years of retirement, you'll only be withdrawing about $10k a year from your portfolio - and that's if you don't work part time. The reality is that you'll be fine. A 3.25% withdrawal rate works in al...
by Nestegg_User
Mon Apr 16, 2018 12:55 am
Forum: Investing - Help with Personal Investments
Topic: "Safe" funds for a life insurance proceeds
Replies: 15
Views: 1139

Re: "Safe" funds for a life insurance proceeds

assuming at 18, she has access to all the funds, I would: take possession of the funds for her (to avoid the insurance companies costs) and then put into short term CD (one year) or if she reaches the age of majority before then just put into savings account (higher yield if they allow it, but nothi...
by Nestegg_User
Sun Apr 15, 2018 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire at the end of 2018 at age 59?
Replies: 31
Views: 5754

Re: Can I retire at the end of 2018 at age 59?

DJ hmmm, I must have misread... I was reading that if you retired that the health insurance would be continued, whereas if you didn’t that there was significant concern that future retirees wouldn’t get health insurance That further shows the need for continued employment, as it’s highly likely that...
by Nestegg_User
Sun Apr 15, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: Where to put TV in living room?
Replies: 12
Views: 1065

Re: Where to put TV in living room?

winterfan wrote:
Sun Apr 15, 2018 10:25 pm
How about the upper left corner at an angle? Or would it block the window?
That’s where I had it on a cabinet...based on the room size, it really wouldn’t be that large of a TV. Hanging a TV in the corner...would...be awkward (at either upper or lower corner)
by Nestegg_User
Sun Apr 15, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: Where to put TV in living room?
Replies: 12
Views: 1065

Re: Where to put TV in living room?

while not necessarily optimal, perhaps having the TV on a cabinet at the top left (left of entrance door), which would be a distance from your couch ( in the middle of the right wall) which gives a bit of a viewing distance with all the apparent window and door/transition locations... there isn’t an...
by Nestegg_User
Sun Apr 15, 2018 9:56 pm
Forum: Personal Consumer Issues
Topic: Recommend airline luggage fitting in overhead bin?
Replies: 23
Views: 2051

Re: Recommend airline luggage fitting in overhead bin?

Leave it to the boglehead forums to take a simple question and complicate it to the nth degree. you are welcome :) (...and I didn’t even mention in my previous post what happened when in an old Metroliner...hint, they asked your weight to try load balancing...forget about on board luggage) {and I c...
by Nestegg_User
Sun Apr 15, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
Replies: 93
Views: 17705

Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?

What I found amusing was that the OP, in their later response, noted that the funds were safe....in crypto currency :oops:

I kind of stopped reading after that...especially when they required safety as part of the initial conditions
(the conflict of the two didn’t compute)
by Nestegg_User
Sun Apr 15, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire at the end of 2018 at age 59?
Replies: 31
Views: 5754

Re: Can I retire at the end of 2018 at age 59?

I suspect the biggest hole is that they need to fund until the pension: $300-360 k of the million noted Then, after receiving the pension: if they also start SS they are still short $17-37 k/yr if it’s at the top ($120/yr) that implies a residual of $640k, of which 4% is $25.6k, leaving a shortfall ...
by Nestegg_User
Sun Apr 15, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: Recommend airline luggage fitting in overhead bin?
Replies: 23
Views: 2051

Re: Recommend airline luggage fitting in overhead bin?

alas, that’s almost unanswerable... an Embraer luggage area is smaller than most others, etc. also, as a revenue source, airlines have been reducing sizes for years...and if I remember a few have been tightening the weight limits even more ( there’s even been discussions on weighing passengers, give...
by Nestegg_User
Mon Apr 09, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Anyone tried a sunrise alarm clock?
Replies: 42
Views: 3369

Re: Anyone tried a sunrise alarm clock?

We’ve already got the chickens, turkeys, and peacock from nearby waking us up in the morning...in retirement

don’t need any alarm clock
by Nestegg_User
Fri Apr 06, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 3869

Re: How often do you replace your * laboratory * shoes?

when w@rking, I typically wore decent non-slip shoes in the lab; I had other shoes for general meeting shoes (black or brown) and had higher end when giving presentations/platform sessions in conferences ...and steel-toed shoes for the pilot plant wore through the lab shoes in usually two years but ...
by Nestegg_User
Fri Apr 06, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Permanent DINK couples - Considerations, thoughts, etc?
Replies: 40
Views: 4609

Re: Permanent DINK couples - Considerations, thoughts, etc?

...now retired (DI)NK’s OP you might want to actually have life insurance until FI or retirement as one cannot live as cheaply as half of a couple... there’s still health insurance (single isn’t half of one+one coverage), property tax (if... you eventually buy) or rent ( since you are already in a o...