Search found 1213 matches

by Nestegg_User
Sat Jun 15, 2019 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: ....Start SS at December of FRA?
Replies: 7
Views: 660

Re: ....Start SS at December of FRA?

Watty as I said, the PIA for spouse is just slightly higher and anticipate delaying to 70 for it (subject to health considerations etc.) already expected SS to have no state tax effects, just Fed with expected 85% taxable (even before RMD's)... we've already done "tax gain harvesting" and taken som...
by Nestegg_User
Sat Jun 15, 2019 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: ....Start SS at December of FRA?
Replies: 7
Views: 660

Re: ....Start SS at December of FRA?

Watty as I said, the PIA for spouse is just slightly higher and anticipate delaying to 70 for it (subject to health considerations etc.) already expected SS to have no state tax effects, just Fed with expected 85% taxable (even before RMD's)... we've already done "tax gain harvesting" and taken some...
by Nestegg_User
Sat Jun 15, 2019 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: ....Start SS at December of FRA?
Replies: 7
Views: 660

....Start SS at December of FRA?

Status: currently eligible to start SS, (examining start parameters) -- Spouse, younger and with slightly higher PIA -- Currently have WR below 2 ½ %, and SS wouldn’t be major source of income (likely less than 15%) (use 3.5% as upper limit for WR) -- Already anticipate SS to be 85% taxable, based o...
by Nestegg_User
Wed Jun 12, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: Ordering custom t-shirts (for a team)
Replies: 5
Views: 352

Re: Ordering custom t-shirts (for a team)

local may be better... likely more control over what you get. For only ten shirts, the setup and shipping wouldn't make on-line any cheaper
(disclaimer: I haven't done any shirts online)
by Nestegg_User
Tue Jun 11, 2019 2:25 am
Forum: Personal Investments
Topic: intrigued and puzzled by Schwab offer to waive fees on Vanguard mutual fund purchases
Replies: 9
Views: 1211

Re: intrigued and puzzled by Schwab offer to waive fees on Vanguard mutual fund purchases

as I've stated in other threads, if you've got enough in Schwab, they offer you the option of having one or two other companies funds at no cost ( I've got Vanguard set up for mine). It's possible that the office you use has seen that you have vanguard funds and wants to make you aware of that optio...
by Nestegg_User
Sun Jun 09, 2019 12:06 pm
Forum: Personal Investments
Topic: 7% callable - Structured Investment/Note
Replies: 30
Views: 2386

Re: 7% callable - Structured Investment/Note

Juggling running chain saws is not recommended; switching to flaming torches is not really that much of an improvement.
by Nestegg_User
Sun Jun 09, 2019 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Estimating Inflation in Retirement
Replies: 35
Views: 2476

Re: Estimating Inflation in Retirement

as I noted above, I didn't ignore it... in my planning I used 3% (roughly what it was in prior periods) but investigated if it went to 5% in ruggedness tests. I also gave my numbers a 25% fudge factor above my running average costs (which included one-offs) in planning, as well as the possibility of...
by Nestegg_User
Sun Jun 09, 2019 8:35 am
Forum: Personal Investments
Topic: First Post! Portfolio Review Needed
Replies: 28
Views: 2938

Re: First Post! Portfolio Review Needed

Just follow the Form 8606 on pro-rata rules, there's lots of threads on that as it's a very common issue on BH. she might be able to roll it into her existing 401k at work (a common way to avoid the pro-rata issue) but in either case it's just a slightly more complicated tax filing (that has to be k...
by Nestegg_User
Sun Jun 09, 2019 12:49 am
Forum: Personal Investments
Topic: First Post! Portfolio Review Needed
Replies: 28
Views: 2938

Re: First Post! Portfolio Review Needed

first, welcome to the forum AFA bonds, the G fund is basically paying intermediate rates without term risk... so I would consider using that for your bond side. others may like total bond, but I'm not sure that it's that much better on a risk adjusted level. With a mortgage that large in a zero tax ...
by Nestegg_User
Sat Jun 08, 2019 9:36 pm
Forum: Personal Consumer Issues
Topic: Car Top Carrier
Replies: 18
Views: 1229

Re: Car Top Carrier

you might see if someone you know has a Thule car top carrier (https://www.thule.com/en-us/us/cargo-carrier/car-top-carrier) as they are pricey (and not worth it for just a single/ light use) once you get them up, they are easy to secure, just make sure that you retighten after it is under load (the...
by Nestegg_User
Fri Jun 07, 2019 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Estimating Inflation in Retirement
Replies: 35
Views: 2476

Re: Estimating Inflation in Retirement

hmmm.... r squared of 0.3 ...... trying to fit noise (and not enough power to rely upon) looking at the data.... indistinguishable from no change at all, if you include the error bars around the regression, which has a very large sd (I used 3% inflation in my prior planning, as the Fed target was 2%...
by Nestegg_User
Fri Jun 07, 2019 2:16 pm
Forum: Personal Consumer Issues
Topic: Sports classes in Universities
Replies: 60
Views: 3299

Re: Sports classes in Universities

I only remember taking one hour of VBall one summer to reach "full time" status.... was also taking physics , etc and working full time. Never saw any "requirements" for PE type courses.... this was in the mid-70's.
by Nestegg_User
Fri Jun 07, 2019 2:04 pm
Forum: Personal Consumer Issues
Topic: How to pay electrician
Replies: 38
Views: 3447

Re: How to pay electrician

you got an electrician to come out, bid, and actually show up and complete the work? around here, it's hard to find ones that come out to bid on small jobs.... and they are booked out for months I'd say, especially if you will need him in the future, and if he did the work on time and correctly, to...
by Nestegg_User
Fri Jun 07, 2019 1:45 pm
Forum: Investing - Theory, News & General
Topic: Social Security Question
Replies: 15
Views: 1162

Re: Social Security Question

I will be doing some calculations about that, as it could bring the start down to FRA for me. Spouse has slightly/ marginally higher PIA so that's not the issue. I'm already eligible to start benefits, but wanted to wait (need to really see how much the FRA vs 70 differences are relative to other dr...
by Nestegg_User
Thu Jun 06, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: How to pay electrician
Replies: 38
Views: 3447

Re: How to pay electrician

you got an electrician to come out, bid, and actually show up and complete the work? around here, it's hard to find ones that come out to bid on small jobs.... and they are booked out for months I'd say, especially if you will need him in the future, and if he did the work on time and correctly, to ...
by Nestegg_User
Wed Jun 05, 2019 1:57 am
Forum: Personal Consumer Issues
Topic: Buying Burial Plot in advance
Replies: 53
Views: 2687

Re: Buying Burial Plot in advance

(I know it's been awhile, but there was a thread some time ago about someone trying to sell a long ago purchased couple of plots in Hawaii.... you could search for it)

Short Answer: NO
by Nestegg_User
Wed Jun 05, 2019 12:50 am
Forum: Personal Consumer Issues
Topic: Win 10 image backup software?
Replies: 44
Views: 3404

Re: Win 10 image backup software?

(OP here)

thanks LG for updating thread, and for the other responders....

alas, I've been a bit busy and haven't yet gone through the process... but thread helps give me the pathway

(I've bookmarked thread for later)
by Nestegg_User
Tue Jun 04, 2019 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without a garage?
Replies: 95
Views: 5904

Re: Would you buy a house without a garage?

based on what you have provided: NOPE (and it would probably be expensive to retrofit to get the garage back, even assuming that there's no new zoning factors that would prevent it (the old way would have been grandfathered)) {This also presumes that garages would be expected for the property. But I...
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: 3302

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: 14538

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: 2198

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: 3764

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: 1294

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: 1525

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: 4441

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: 6475

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: 6475

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: 1518

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: 3058

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: 6114

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: 1617

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: 6114

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: 1617

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: 1617

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: 5787

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: 5787

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: 2636

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: 5418

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: 5839

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: 2546

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: 2092

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: 897

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: 1238

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: 1915

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: 4841

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: 4841

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: 3985

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: 4833

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: 4841

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: 4243

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...