Search found 25 matches

by Retired 2017
Fri Nov 27, 2020 2:08 pm
Forum: Investing - Theory, News & General
Topic: How do I factor my pension into retirement planning?
Replies: 15
Views: 1095

Re: How do I factor my pension into retirement planning?

You have done a good job thus far with saving and planning and staying out of serious debt. I think much differently than I did when I was 40. Things change. The fact that you are thinking about the future now allows for easier transition if changes are needed. If you stay tuned to this forum, you w...
by Retired 2017
Fri Nov 27, 2020 10:10 am
Forum: Personal Investments
Topic: Advice on cashing out of variable annuities?
Replies: 20
Views: 1307

Re: Advice on cashing out of variable annuities?

I'm wondering if there would be consideration or even possibility to somehow convert these to immediate annuities. There would still be tax considerations, but I think that might be a consideration.
by Retired 2017
Sun Oct 18, 2020 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing Paper EE Bonds in DFW
Replies: 20
Views: 1414

Re: Cashing Paper EE Bonds in DFW

I ended up depositing to Treasury Direct. US Bank stopped cashing them. I emptied the safe deposit box of about 88 bonds. I found a credit union in town that did cash them but the process was too time consuming if I didn't get the teller who was personal friend. Each week for a while I would send in...
by Retired 2017
Fri Sep 25, 2020 6:35 pm
Forum: Personal Consumer Issues
Topic: What's your favorite reasonably priced gin?
Replies: 80
Views: 4504

Re: What's your favorite reasonably priced gin?

I like Death's Door Gin.
by Retired 2017
Fri Sep 25, 2020 6:35 pm
Forum: Personal Consumer Issues
Topic: What's your favorite reasonably priced gin?
Replies: 80
Views: 4504

Re: What's your favorite reasonably priced gin?

I like Death's Door Gin.
by Retired 2017
Fri Sep 25, 2020 6:33 pm
Forum: Personal Consumer Issues
Topic: What's your favorite reasonably priced gin?
Replies: 80
Views: 4504

Re: What's your favorite reasonably priced gin?

I like Death's Door Gin neat or in G&T
by Retired 2017
Fri Sep 25, 2020 6:33 pm
Forum: Personal Consumer Issues
Topic: What's your favorite reasonably priced gin?
Replies: 80
Views: 4504

Re: What's your favorite reasonably priced gin?

I like Death's Door Gin neat or in G&T
by Retired 2017
Wed Sep 23, 2020 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Retired physicians (but others ok too. ;))
Replies: 59
Views: 6766

Re: Retired physicians (but others ok too. ;))

At retirement I had six months to decide whether or not I wanted to continue with my license. I decided not to renew my license. I had no intent of returning to practice nor did I want to do charity or mission work. Except for a few textbooks that were signed, and a few texts that I gave to my partn...
by Retired 2017
Tue Sep 22, 2020 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Are employees entitled to a copy of their retirement plan documents?
Replies: 10
Views: 1294

Re: Are employees entitled to a copy of their retirement plan documents?

I think I used to work for this same company. They Hate their docs. The are impossible to get information from. I retired because I couldn't stand working for them any longer. When I retired I had to ask for a letter from them indicating that I no longer worked there. Before the large organization b...
by Retired 2017
Tue Sep 22, 2020 11:00 am
Forum: Personal Finance (Not Investing)
Topic: The Magic Number; Rule of 25; 4%; etc.
Replies: 46
Views: 3138

Re: The Magic Number; Rule of 25; 4%; etc.

Financial advisor fee of 1%-1.5% if you use a financial advisor. 1% of 6M is 60000/yr expense after taxes. And don't forget to add the extra expenses associated with the advisor's recommendations.
by Retired 2017
Mon Aug 31, 2020 9:18 am
Forum: Investing - Theory, News & General
Topic: Vanguard seems to have web online sign on problem
Replies: 145
Views: 6753

Re: Vanguard seems to have web online sign on problem

Cant get to Vanguard or TDA. I try to not trade on Mondays but do like to check the accounts. This is also the last day of the month. I have not flipped on CNBC to see if they might mention an explanation.
by Retired 2017
Thu Aug 27, 2020 6:14 pm
Forum: Personal Investments
Topic: Why is M1 finance return different?
Replies: 2
Views: 277

Re: Why is M1 finance return different?

Double check that they have the correct holding you own. Maybe after hours values? I decided to try an M1 account to see if I would like it. I had troubles negotiating the M1 platform and stopped using it. I was then charged for non use. My bad. I then transferred out the assets to my old faithful T...
by Retired 2017
Wed Jun 17, 2020 12:10 pm
Forum: Investing - Theory, News & General
Topic: What famous investing quote reminds you of your investing style?
Replies: 150
Views: 7658

Re: What famous investing quote reminds you of your investing style?

This comes from my friend and mentor Dick Collier who past away far too early
"Invest with the screwers rather than the screwees"
by Retired 2017
Thu May 21, 2020 5:43 pm
Forum: Personal Investments
Topic: Simplest way to gift shares at Vanguard
Replies: 22
Views: 1359

Re: Simplest way to gift shares at Vanguard

I have done the charitable thing each year for the past 15 years. I have done this with US Bank as well as TDA. No problem once the paperwork is done. The paperwork is a form from from TDA and a form from the charity along with a letter of intent so everyone understands . The stock gets transferred ...
by Retired 2017
Thu May 21, 2020 1:00 pm
Forum: Personal Investments
Topic: Should I pull my CDs out?
Replies: 26
Views: 2869

Re: Should I pull my CDs out?

I assume your AA has your cash and CDs at about 5-10 % with the Stocks and bonds making up the rest I would look to maintain maybe 2 yrs living expenses in cash. Use the rest of the cash to buy the house. Keep the CDs until maturity then decide what you want do. Your living expenses change when you ...
by Retired 2017
Thu May 21, 2020 12:34 pm
Forum: Personal Investments
Topic: Portfolio overhaul from target date funds to 3 fund portfolio + REIT. Help needed please!
Replies: 6
Views: 503

Re: Portfolio overhaul from target date funds to 3 fund portfolio + REIT. Help needed please!

Where you don't have access to target date funds you can make your own target date fund following the allocations outlined for the target date fund on the company web site. . For the grandkids who are at TDA I use VTI, VXUS, BND, BNDX. which are the ETFs in the allocations of the VG TD 2065 which I ...
by Retired 2017
Thu Apr 30, 2020 1:39 pm
Forum: Personal Consumer Issues
Topic: Keepsake items for new baby?
Replies: 25
Views: 1314

Re: Keepsake items for new baby?

Baby's wrist band.
by Retired 2017
Sat Apr 25, 2020 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Premium Questions
Replies: 18
Views: 1368

Re: Medicare Premium Questions

Don't forget to double the differences if married filing jointly.
by Retired 2017
Sat Apr 11, 2020 10:05 am
Forum: Personal Investments
Topic: Custodial Accounts as Emergency Funds?
Replies: 9
Views: 272

Re: Custodial Accounts as Emergency Funds?

The custodian can do whatever they want with custodial accounts until the kid reaches 18. Thereafter the money belongs to the kid. Any money earned in the custodial account is potentially taxable to the kid depending on the total earnings of the kid. Before the advent of the 529, we kept money in cu...
by Retired 2017
Wed Apr 08, 2020 1:57 pm
Forum: Personal Consumer Issues
Topic: Replacing Cable TV with Streaming: Critical Analysis
Replies: 86
Views: 5790

Re: Replacing Cable TV with Streaming: Critical Analysis

Spectrum cable TV was around $130/mo. Decided to try HULU at around $55/mo. So far so good. Looked at others, but didn't find the channels we wanted. HULU had them. We would not be afraid to try something else in the future.
by Retired 2017
Wed Apr 08, 2020 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with creative solution to company booting me out of 401K
Replies: 51
Views: 3548

Re: Need help with creative solution to company booting me out of 401K

This reminds me of some of the hassle I experienced at the time I retired from Large denominational Health system. No HR contact, nothing was easy. Additional hassles with other benefit stoppages such as health insurance, 457 B, Notification that I was no longer an employee for SS and Medicare, and ...
by Retired 2017
Tue Apr 07, 2020 2:05 pm
Forum: Personal Consumer Issues
Topic: How would you handle this doctor billing issue?
Replies: 22
Views: 1600

Re: How would you handle this doctor billing issue?

Retired Physician here. Document all your correspondence. Names, dates, times. Talk directly to the billing department. Most physicians are of very little help unless they own their own practice. Accompany your wife for visits . Find out who in the organization is responsible for patient complaints....
by Retired 2017
Fri Apr 03, 2020 11:17 am
Forum: Personal Investments
Topic: Move Bonds in Brokerage to Buy Stocks
Replies: 5
Views: 363

Re: Move Bonds in Brokerage to Buy Stocks

This is reasonable. The target date funds are about 10% bond(US and Int) . To model that 2055 target would require rebalance.Of course there is always a but. But what about student loans, but what about Cap gains and taxes, but what other debt is there? What other things in your life like kids? Are ...
by Retired 2017
Wed Jan 08, 2020 4:32 pm
Forum: Personal Consumer Issues
Topic: Medical Billing, is this typical?
Replies: 51
Views: 5035

Re: Medical Billing, is this typical?

Of course we don't know all the details but..Some doctors can very deceptively come up with justification for about anything they do and any test they order. I used to work with a few of those kind. The employer loved them for generating such high charges. Many of their patients loved them too for b...