Search found 971 matches

by Nestegg_User
Fri Aug 17, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing Boats to Autos
Replies: 24
Views: 1250

Re: Comparing Boats to Autos

I did see a VW that had the big “eyelashes” over the front headlights that someone had rigged to go up and down...

(see “carlashes”)
by Nestegg_User
Fri Aug 17, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing Boats to Autos
Replies: 24
Views: 1250

Re: Comparing Boats to Autos

VictoriaF wrote:
Fri Aug 17, 2018 12:12 pm
Autos don't fly, float or flirt.

Victoria


(almost true)

https://youtu.be/NC33DWHmWnE
by Nestegg_User
Wed Aug 15, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Cash or mortgage for house entering retirement?
Replies: 10
Views: 744

Re: Cash or mortgage for house entering retirement?

Corn: you don’t have to put it in the market, just use CD ladder (since CD’s are yielding more than treasuries) in other threads, you’ve mentioned a large amount vesting from your work... so likely the number is close to a rounding number and you could easily rent until you found the right place. (s...
by Nestegg_User
Mon Aug 13, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: SD Cards for Cameras: How many MB/S?
Replies: 8
Views: 479

Re: SD Cards for Cameras: How many MB/S?

I just get SD cards rated 10 nowadays.... I haved had any need to buy the UHS rated cards; I suspect that they really aren’t for anyone other than true professional photographers. Note that some older equipment may not recognize even the 10 rated cards; an older dashcam couldn’t recognize anything o...
by Nestegg_User
Sun Aug 12, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: How do billionaires reduce taxes?
Replies: 7
Views: 1119

Re: How do billionaires reduce taxes?

SlowMovingInvestor wrote:
Sun Aug 12, 2018 2:17 pm
I don't think this is actionable :)
....bingo

IBTL
by Nestegg_User
Thu Aug 09, 2018 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: SS benefit increase from one additional year past FRA delayed until 2019 -- Why?
Replies: 4
Views: 678

Re: SS benefit increase from one additional year past FRA delayed until 2019 -- Why?

That’s why I’ve got, in my IPS, that I may start SS in January of the year AFTER I reach FRA, as that maximizes delayed credits while still getting the max for the period reached (I had paid attention to older threads by our old friend “SSCritic” when he was mentioning those types of issues... do mi...
by Nestegg_User
Thu Aug 09, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 4912

Re: Air Conditioning? [How to finance?]

eh, are you wimps in PDX? try coming over to the dry side of central OR where last two days were in the low 100’s :shock: ! we’d replaced our HVAC last year...good thing, it probably wouldn’t have made it another year (at that time, it was failing to heat)... but we’d only upgraded to a mid-level sy...
by Nestegg_User
Tue Aug 07, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 55
Views: 4653

Re: Is solar power for your home a worthwhile investment?

I didn't run the numbers but there's two issues against my current home. 1) It's in the Pacific Northwest and 2) Electricity is very cheap here. If either of those were different I'd probably check it out. Partly depends which side of the mountains you are on? If the dry side you should get good pe...
by Nestegg_User
Tue Aug 07, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Prescription Price Shopping?
Replies: 37
Views: 2269

Re: Prescription Price Shopping?

Just to answer a few questions. Insurance is Federal Blue Cross/Blue Shield The drug is not generic and from my research there isn't an equivalent generic at this time, it involves how it is absorbed into the body. The price isn't something that causes me to change my life but it is the first time ...
by Nestegg_User
Sun Aug 05, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: How do you keep your math skills sharp?
Replies: 29
Views: 1515

Re: How do you keep your math skills sharp?

well, I should rephrase: I didn’t have to get into the function, per se, but I needed to be remember the cases where I could get caught up in problems....eg, FT’s don’t like step function/square wave.... ...don’t have to think of that stuff anymore (and I’m sure not gonna try to remember doing the p...
by Nestegg_User
Sun Aug 05, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: How do you keep your math skills sharp?
Replies: 29
Views: 1515

Re: How do you keep your math skills sharp?

Do I really need to remember Laplace transforms in retirement? (really didn’t need them after grad school...) {Fourier transforms, yes....and statistics... but nothing now in retirement}
by Nestegg_User
Thu Jul 26, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: How to make opened bottles of wine last longer
Replies: 38
Views: 2857

Re: How to make opened bottles of wine last longer

Coravin model one: https://www.coravin.com/model-one-wine-system.html Only worth it on $30+ bottles and only tap the bottle 2 or 3 times max. Still best to finish the bottle within a few weeks but when it works properly you can be good for months. I’ve had it work for 6+ months but sometimes for so...
by Nestegg_User
Wed Jul 25, 2018 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Investments during retirement
Replies: 5
Views: 651

Re: Investments during retirement

If my parents were 76 I would want to a deeper discussion of all their holdings. agree... they probably need to understand how much is going to their “advisor” and find that they may not need that much more aggressive portfolio if they can eliminate the remoras that are sucking off return. AFA port...
by Nestegg_User
Wed Jul 25, 2018 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in guaranteed return or stock market?
Replies: 73
Views: 3271

Re: Invest in guaranteed return or stock market?

I'd pick the rainbow unicorn. (at least that one is diversified in colors) For me (retired), 4% (supposedly “guaranteed”) is nowhere near high enough when current CD’s for slightly longer maturities (~3 yr) are around 3%.... the cost of tying up the funds is way too high. That and we likely can do ...
by Nestegg_User
Sun Jul 22, 2018 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Duration of Sequence of Return risk for long retirements
Replies: 49
Views: 3568

Re: Duration of Sequence of Return risk for long retirements

If I understand this correctly, it is using a 30 year retirement window to compute SWR. Then seeing how that SWR is correlated (across different 30 year spans) to the portfolio performance at different durations. But, the SWR is always based on a 30 year retirement in this analysis. What I was aski...
by Nestegg_User
Mon Jul 16, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Where to get a $100 bill?
Replies: 49
Views: 5128

Re: Where to get a $100 bill?

Would a gas station allow you to just exchange (5) 20s for a $100? Or do gas stations not carry $100 bills in their cash drawer? Most gas stations I’m aware of DON’T TAKE anything over a fifty. (....and previously, the most common counterfeiting was of the $100, the so-called “supernotes” were made...
by Nestegg_User
Wed Jul 11, 2018 1:19 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 15710

Re: Retirement Destination - are you happy with your choice?

You’re probably not missing anything... but we’re retired the state I came from (not Cali) had only slightly lower income tax- - but had sales tax on everything, higher property tax, personal property tax, city tax, ... I get a bit of a break on my pension income and this state doesn’t tax SS ( agre...
by Nestegg_User
Tue Jul 10, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: What’s the median income of Bogleheads?
Replies: 29
Views: 3380

Re: What’s the median income of Bogleheads?

My wild guess for an average is the US Median Personal income * 4, which according to Wikipedia is $31,099. So my bogleheads average estimate is $124,396. I'm personally at a bit under twice of this figure at age 36 (approx 240k). I think that’s probably about right. For anyone here thinking of "co...
by Nestegg_User
Mon Jul 09, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: Ruby Anniversary(40) - Pikes Peak & Estes Park
Replies: 15
Views: 1113

Re: Ruby Anniversary(40) - Pikes Peak & Estes Park

I figured if they wanted a serious workout that they’d bike from Boulder via Lefthand Canyon Rd to Ward, and if they survived that, go to Brainerd Lake Rd to the end of Mitchell Lake Rd and hike up from there :shock: :shock: (hint: don’t try that unless you are in serious condition) {see if you can ...
by Nestegg_User
Mon Jul 09, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Ruby Anniversary(40) - Pikes Peak & Estes Park
Replies: 15
Views: 1113

Re: Ruby Anniversary(40) - Pikes Peak & Estes Park

mhc I figured that they weren’t from around there and would need to acclimate; figured that Bear Lake and above would meet their needs (not as many people go there) but without more serious clumbs going too much farther up (they mention 40 yr anniversary- - so expect mid -60’s so they’ve got some en...
by Nestegg_User
Mon Jul 09, 2018 1:19 am
Forum: Personal Consumer Issues
Topic: Ruby Anniversary(40) - Pikes Peak & Estes Park
Replies: 15
Views: 1113

Re: Ruby Anniversary(40) - Pikes Peak & Estes Park

2. there’s plenty of hikes, depending on your fitness level and your acclimation to the altitude {I don’t live there now, but I wouldn’t try some of the “forteeners” now in my early 60’s that I did back then; of course, places like Maroon Bells you had to know the turn off, hike miles back in with w...
by Nestegg_User
Mon Jul 09, 2018 12:59 am
Forum: Investing - Help with Personal Investments
Topic: Income stream at 70
Replies: 29
Views: 2716

Re: Income stream at 70

I guess that I read the question differently; the OP stated that they wanted an income stream (I didn’t see anything about charitable contributions) from immediateannuities: $250k SPIA: $1610/ month for single life (M 70) {payout of 6.44%} $1267/ month for joint life (M 70/ F 68) {payout of 5.07%} t...
by Nestegg_User
Sun Jul 08, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 15710

Re: Retirement Destination - are you happy with your choice?

I retired to Washington DC because that's where I've lived my entire life, and no other location has been calling my name. I'm a city guy at heart, so I'm not sure I would be happy in a suburban or rural setting (which is where most retirement communities are located). I think the DC summers are al...
by Nestegg_User
Fri Jul 06, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: Retirement location and things to consider
Replies: 12
Views: 1663

Re: Retirement location and things to consider

HI_ shrimp there’s plenty of threads on finding your retirement locations; this recent one has info on how others found theirs and type of criteria https://www.bogleheads.org/forum/viewtopic.php?t=253006 That you want “beach town” and affordable starts making it more difficult (especially since you ...
by Nestegg_User
Fri Jul 06, 2018 10:06 pm
Forum: Personal Consumer Issues
Topic: Best Pellet Smoker for the money? Rec Tec?
Replies: 8
Views: 1471

Re: Best Pellet Smoker for the money? Rec Tec?

Pit Boss pellet grill.... <DONE >.... great grill for the money [comparable to Traeger (their patent had expired and this company version came out (had some employees of theirs design it)) at lower cost but has been just as rugged] We’ve had ours (700 D model) for a few years, better than charcoal f...
by Nestegg_User
Wed Jul 04, 2018 1:26 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 15710

Re: Retirement Destination - are you happy with your choice?

The concept of up and moving simply due to retirement is an odd one for me to grasp. I try to live where I want to live now, while I am working, have roots in the community, family, friends and we have a great network of people here. Starting over from scratch at retirement sounds exhausting. Obvio...
by Nestegg_User
Tue Jul 03, 2018 10:25 pm
Forum: Personal Consumer Issues
Topic: Drinking, Fast and Slow: A Behavioral Scientist’s Guide To Summer Cocktails
Replies: 9
Views: 1802

Re: Drinking, Fast and Slow: A Behavioral Scientist’s Guide To Summer Cocktails

baw703916 wrote:
Tue Jul 03, 2018 7:50 pm
Cheers, Victoria!

I think I'll enjoy an Anchor Steam (ok, I know, not technically a cocktail!) while I contemplate which holdings I refuse to sell until I can do so at a profit!
I believe that the behavioral scientists call that “Anchoring” :beer
by Nestegg_User
Tue Jul 03, 2018 1:34 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 15710

Re: Retirement Destination - are you happy with your choice?

we had been to ALL fifty states, had eliminated most, then started examining the rest ( ambiance/environment, taxes, healthcare, etc). went on trips to closely examine few - - sometimes the first trip will definitely eliminate it, if you spend the time like you actually might live there- - (out east...
by Nestegg_User
Sun Jul 01, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 13552

Re: What are your property taxes?

currently: about $3200 for 2300 sqft on 3+ acres valued about $430k (and a LOT better views!!) —0— sales tax :D , up to 9% income tax (but no tax on SS, reduced tax on my pension; our effective tax is closer to 5%) was at state prior to retirement with property tax of $6400 on equivalent value , ~8%...
by Nestegg_User
Fri Jun 22, 2018 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 14955

Re: How much (green) cash at home for emergency ?

A few thousand might be handy to pay (bribe) someone with boat to get you out of the second floor of your house and then get someone with a Jeep to get you through the foot deep water to somewhere dry with the power on. After that all you need is your normal amount of pocket cash, ATM card, and cre...
by Nestegg_User
Thu Jun 21, 2018 11:34 pm
Forum: Investing - Theory, News & General
Topic: Robotics and Space Investing?
Replies: 5
Views: 468

Re: Robotics and Space Investing?

The Furgengi’s say “ there’s no profit in it”

in actuality, the costs of developing and maintaining anything would be so high that it wouldn’t be close to profitable
by Nestegg_User
Thu Jun 21, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Buy new truck before retiring?
Replies: 53
Views: 3022

Re: Buy new truck before retiring?

Park the Chevys side by side and set them on fire. Then go buy a Ford truck. “can’t we all just get along” (now, if you were talking about Dodge... understood) as FlyAF has asked, are you going to upgrade to a larger RV trailer? 4k weight has got to be something like a 17-19 ft, which we found to b...
by Nestegg_User
Thu Jun 21, 2018 10:36 am
Forum: Investing - Theory, News & General
Topic: Revisiting Risk and Reward
Replies: 16
Views: 1308

Re: Revisiting Risk and Reward

Siamond

could you please put in option to download the articles as PDF format. (get lots of extraneous material when trying to convert the webpage to PDF using browser). your PDF could keep formatting, pagination, and all attribution

thanks
by Nestegg_User
Fri Jun 15, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17880

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: 3060

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: 3060

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: 3788

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: 439

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: 14622

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: 140
Views: 9101

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: 749

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: 5618

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: 1486

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: 7066

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: 3126

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: 794

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: 814

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: 1019

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: 1718

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...