Search found 1615 matches

by Random Poster
Tue Jun 19, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 151
Views: 6871

Re: Which Supermarket are you?

We don't have a lot of choices where we live. No whole foods, or Costco. We mostly buy at HEB. Occasionally at Market Street which is owned by Albertsons. If there wasn't an HEB in this town, I think that I'd probably starve to death. Market Street came to town a few years ago---they don't seem to ...
by Random Poster
Wed Jun 13, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 41
Views: 5817

Re: Vaguard - You'll need to sign up for security codes soon

So how does the sending a security code work if you are logging on to Vanguard's website using a new computer in a new location and you no longer have your old phone number?

How do you update the phone number contact information then?
by Random Poster
Mon Jun 04, 2018 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Employer-subsidized retiree health insurance questions
Replies: 19
Views: 1177

Re: Employer-subsidized retiree health insurance questions

My employer offers this, where the subsidy amount is based on a matrix that combines your age and your years with the company. I have no idea how to value the benefit, but I notice in the company literature that it never says that the subsidy benefit is guaranteed never to change or even remain in e...
by Random Poster
Thu May 31, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: steel cut oats in bulk
Replies: 50
Views: 4096

Re: steel cut oats in bulk

niceguy7376 wrote:
Thu May 31, 2018 2:02 pm
Are there other brands that are recommended for steel cut oats in bulk?
I was unable to find this at costco site
Consider Wheat Montana Steel Cut Oats, if they are sold in your area.

They are the best ones that I've had.
by Random Poster
Thu May 31, 2018 1:21 pm
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 264
Views: 49534

Re: What's the ideal safe retirement net worth target?

A target of 2.5m in taxable and trying to get the ACA subsidies? If the goal is to have income less than $62,500 why not have a smaller portfolio and withdraw 3.0-3.5 (lower than 4.0 because you're younger). Sell shares and have the capital returned to you at no cost and pay the capital gains tax o...
by Random Poster
Thu May 31, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 264
Views: 49534

Re: What's the ideal safe retirement net worth target?

I've been thinking about this question for a few days now, and it seems to me that the number would depend upon one's family size, relative ages, and whether health insurance is provided or is something that the individual(s) must purchase on their own. So, for example, for a family of two who are n...
by Random Poster
Wed May 30, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Have $3m at 33, "approach to career" advice needed
Replies: 99
Views: 12404

Re: Have $3m at 33, "approach to career" advice needed

I would rather not try to use assets to cover my lifestyle. Aren't you going to have to do so at some point in your life? As in, while in "retirement" (however you define such a term)? If so, if your current assets can cover your anticipated lifestyle now and in the future, why not let them do so?
by Random Poster
Wed May 30, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Muni mm keeps dropping in yield, thinking of switching
Replies: 5
Views: 1593

Re: Muni mm keeps dropping in yield, thinking of switching

Muni mm yield at vanguard down to 1.15% :( Now there’s almost no advantage for me when compared to prime mm at my bracket of 32%. You sure about that? As I recall, tax-exempt interest is not subject to the Net Investment Income Tax, and if you have a lot of interest (or dividend, or royalty) income...
by Random Poster
Wed May 30, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is FBAR filing complicated?
Replies: 23
Views: 1646

Re: Is FBAR filing complicated?

For whatever it is worth, I found that completing my first FBAR (back when they were paper forms and, I think, you had to mail them in) was a little complicated, simply because I had to track down all the various bank addresses, do the currency conversions, figure out the highest balance for the yea...
by Random Poster
Fri May 25, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Rum and Summer Cocktails
Replies: 30
Views: 2031

Re: Rum and Summer Cocktails

Google: Celestial Seasonings Bengal Spice Rum Punch It should pull up a Wall Street Journal story for a "Spicy and citrusy, potent and nuanced, a Caribbean-style rum punch" that uses Bengal Spice tea, pineapple juice, rum, and a few other items. I've never had it, but it sounds tasty and simple to m...
by Random Poster
Wed May 23, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12331

Re: how do you tip on wine at a restaurant

I left $50 as a tip for a recent meal (at a nice restaurant) for five people, which was 15 percent. Call me cheap, call me out of touch, call me whatever, but I am not feeling guilty about a $10 per person gratuity. Frankly, I don't think I got my money's worth at that amount, but I'll admit that s...
by Random Poster
Tue May 22, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12331

Re: how do you tip on wine at a restaurant

Personally, I am a repeat customer of a few restaurants, so they know me and I get relatively good service, thus the tips is on the high end of the range (and over it a number of times.) Are you getting relatively good service because you are a repeat customer and the servers know you (and, thus, t...
by Random Poster
Mon May 21, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Another road trip Denver to Cheyenne
Replies: 11
Views: 1001

Re: Another road trip Denver to Cheyenne

Too bad my grandson will not be with us.Do the trains run frequently?I might go and take a video for the little guy :happy The trains probably run frequently, as it is a big Union Pacific train yard (that might not be the specific or correct term for it) and as I recall the pedestrian bridge crosse...
by Random Poster
Mon May 21, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Another road trip Denver to Cheyenne
Replies: 11
Views: 1001

Re: Another road trip Denver to Cheyenne

Laramie is a real small town that you can fly past if you aren't careful. The University of Wyoming is located here and not much else. The Wyoming Territorial Prison makes for an educational stop. And if one is really into trains, they can stand on the pedestrian railroad overpass just west of down...
by Random Poster
Fri May 18, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Moving to Texas - [Request for clothes, car window tint] recommendations
Replies: 42
Views: 3141

Re: Moving to Texas - [Request for clothes, car window tint] recommendations

Seersucker shirts work well if your office is semi-casual for an "office clothing environment" (I'm not sure what that phrase really means). For the most part, if you are in the office all day, the heat isn't going to be a huge issue, as you will only be out in it when you are going to and from your...
by Random Poster
Thu May 17, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12331

Re: how do you tip on wine at a restaurant

GCD wrote:
Thu May 17, 2018 3:16 pm
[Personally I think the way the US tipping structure has evolved is silly . . . .
Speaking of evolution, I'm astounded that the going tip rate now appears to be 20%. Whatever happened to 15% as the "standard" percentage?
by Random Poster
Thu May 17, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: 2018 Yellowstone Trip advice needed
Replies: 20
Views: 1453

Re: 2018 Yellowstone Trip advice needed

Which lodges do you prefer in the summer for a first-time traveler who wants to go to Teton and Glacier Park? I imagine folks would enjoy Jackson Lake Lodge and the lodge in the Jenny Lake area. The Jenny Lake Lodge is wonderful if you enjoy a somewhat upscale take on a summer camp experience. It c...
by Random Poster
Mon May 14, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: Withdrawal Rates – Part 24: Flexibility Myths vs. Reality
Replies: 98
Views: 10529

Re: Withdrawal Rates – Part 24: Flexibility Myths vs. Reality

The best thing is to have your expenses match the social security. This way you will NEVER have to worry about running out of your portfolio even when the market goes down 100% over your retirement duration. Would that be safe enough for some of you? Oh, and just to be safe, the social security cal...
by Random Poster
Sun May 13, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 318
Views: 24199

Re: Lucrative careers?

Petroleum Engineering - highly paid, even within the engineering field likely highest paid. Starting salaries $70K+ with generous incentive comp right out of school. Managers at multi-national and smaller independent oil and gas companies easily make $200K+incentive comp Sure, the pay is good, but ...
by Random Poster
Sat May 12, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3573
Views: 1018844

Re: What Movie Have You Recently Watched?

Wonder.

My wife and I really enjoyed it, but it is emotional and can remind you of just how cruel growing up can be.
by Random Poster
Sat May 12, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 318
Views: 24199

Re: Lucrative careers?

Petroleum Engineering - highly paid, even within the engineering field likely highest paid. Starting salaries $70K+ with generous incentive comp right out of school. Managers at multi-national and smaller independent oil and gas companies easily make $200K+incentive comp Sure, the pay is good, but ...
by Random Poster
Fri May 11, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: "Patient paid amount" for month of death in nursing home?
Replies: 33
Views: 3929

Re: "Patient paid amount" for month of death in nursing home?

Who is responsible for the $1430.42 bill?

The Estate? You? Someone else?

If it is the Estate, does the Estate have any assets?
by Random Poster
Wed May 02, 2018 8:24 am
Forum: Investing - Theory, News & General
Topic: Buying MM fund right before distribution day!
Replies: 13
Views: 1442

Re: Buying MM fund right before distribution day!

are you referring to the money market? Yes. For instance, if the distribution is $0.00122 per share and you owned 10,000 shares that you bought in the middle of the month, you'd get (roughly) 10,000 * 0.00122 * 0.5, similar to an average daily balance computation for bank interest? I don't know if ...
by Random Poster
Tue May 01, 2018 1:25 pm
Forum: Investing - Theory, News & General
Topic: Buying MM fund right before distribution day!
Replies: 13
Views: 1442

Re: Buying MM fund right before distribution day!

You only get credited interest for the day(s) that you own the fund.
by Random Poster
Mon Apr 30, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Must See in South Dakota
Replies: 58
Views: 4218

Re: Must See in South Dakota

The South Dakota Cultural Heritage Center in Pierre is worth a brief stop.

The Dairy Bar at South Dakota State University offers tasty treats. And good cheese selections too.
by Random Poster
Sun Apr 29, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3573
Views: 1018844

Re: What Movie Have You Recently Watched?

Thank You For Your Service.

It is a look at how 3 servicemen handle PTSD after a tour in Iraq. I found the movie to be disturbingly intense. Watching it once is enough.
by Random Poster
Sun Apr 29, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Visiting OK and KS with family
Replies: 31
Views: 1873

Re: Visiting OK and KS with family

If you are going to visit K-State, be sure to stop by the ice cream store on campus and get a few scoops of their offerings nad maybe pick up some cheese too. All of it is pretty tasty and cheap.
by Random Poster
Fri Apr 27, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: What type of lawyer handles will disputes?
Replies: 9
Views: 961

Re: What type of lawyer handles will disputes?

One that handles estates, estate administration, will contests, litigation, and the like.
by Random Poster
Tue Apr 24, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire at age 40?
Replies: 158
Views: 17172

Re: Can I retire at age 40?

Sounds like a bunch of nothing, but that's life at the end of the day. A series of moments and experiences that aren't necessarily productive or special in and of themselves. Having a job can keep you busy and distract you from that reality for a few decades . . . Well, that is a depressing thought...
by Random Poster
Wed Apr 18, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Total Cost of Car Ownership over 10 years
Replies: 40
Views: 3570

Re: Total Cost of Car Ownership over 10 years

I'd just take the expected annual mileage and multiply it by the IRS mileage reimbursement/deduction rate, which is something around 53 cents a mile, I think... And then take that number, inflate it by 2% a year for each year you expect to have the car, and sum it all up. And then take that number, ...
by Random Poster
Wed Apr 18, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 9082

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

1. SWR takes inflation into account. 2. Based on 4% SWR for 30 years, 2.5% SWR seems acceptable for 50 years. 3. You have no desire to leave an inheritance. (unless your portfolio does better) 4. You'll be getting social security at age 62 to 70. 5. You'll be on medicare at age 65 6. Hopefully you ...
by Random Poster
Tue Apr 17, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 9082

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

How on earth would you arrive at that assumption for the asset allocation you propose? I don't think that I completely follow your statements. Are you asserting that a 50/50 portfolio cannot keep up with inflation, whether with or without any withdrawals from the portfolio? Are you asserting that w...
by Random Poster
Tue Apr 17, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 9082

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

Easy peasy. I get dividend income out of my retirement accounts every quarter and I have yet to make an IRA withdrawal nor have I changed my asset allocation. Buy in IRA with dividend proceeds, sell same etf in taxable. Pay long term capital gains on 'dividend' income. So---in a simplified world---...
by Random Poster
Tue Apr 17, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 9082

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

You seem to be extraordinarily naive about inflation. How so? Shouldn't the underlying portfolio's balance increase (over time) in an amount equal to the inflation rate (over time), such that if I were to withdraw $75K plus inflation, the net effect is zero because I would effectively still have a ...
by Random Poster
Tue Apr 17, 2018 8:06 am
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 9082

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

Thanks to all who have responded. I appreciate the comments.
by Random Poster
Mon Apr 16, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 9082

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

Yes. My question would be is $75,ooo per year enough 30, 40, 50 years from now. I highly doubt it is, if 75k is appropriate today. I'm guessing you're planning on adjusting for inflation or using a 2.5% withdrawal rate - not a static 75k??? The answer would still be yes. Somewhere between $40k to $...
by Random Poster
Mon Apr 16, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 9082

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

I would have no qualms whatsoever about taking an inflation-adjusted $75k/yr from a $6M nest egg. Well one qualm....I could easily afford a much higher standard of living. In all seriousness, I would hold 3-5 years of expenses in "riskless" cash equivalents (CDs, short-term treasuries, iBonds, what...
by Random Poster
Mon Apr 16, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 9082

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

Those are close enough to my numbers (age 51, planning to age 100, so 49 year horizon; targeted 3% withdrawal, currently sitting at 2.5% based on anticipated expense, recently started living off portfolio) that this is not a theoretical question for me. I am taking a leap of faith (or as much "evid...
by Random Poster
Mon Apr 16, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 9082

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

Of course. That's basically just spending dividends. Well, yes, I suppose, except that a portion of the dividends are being generated within the retirement accounts and are thus not easily accessible, and so I figure that one will have to sell some portion of the principal within the taxable accoun...
by Random Poster
Mon Apr 16, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3573
Views: 1018844

Re: What Movie Have You Recently Watched?

I do not remember the title of the movie, but it was about the 3 US soldiers beating up a terrorist on a train from Brussels to Paris. My wife and I liked it. My lasting impression was to sit through 15 minutes of advertising, that was blasting at us. The same advertising which we see on TV, but he...
by Random Poster
Mon Apr 16, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 9082

2.5% Withdrawal for 50 Years With 50/50 Portfolio?

Background : * Assume that you have $3,000,000 invested, with $2,275,000 in a taxable account and $725,000 in a mix of IRAs (Roth, Traditional, and Rollover) and a 401k. * Assume that your total portfolio is invested 40% Total Stock Market, 10% Total International Stock Market, 23% in Intermediate ...
by Random Poster
Thu Apr 12, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: Farewell gift for office when quitting job?
Replies: 19
Views: 2519

Re: Farewell gift for office when quitting job?

A copy of The Bogleheads Guide to Investing?
by Random Poster
Wed Apr 11, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Help me choose a top law school!
Replies: 65
Views: 6043

Re: Help me choose a top law school!

Virginia or Georgetown. UVA would likely open more doors beyond what Georgetown would, but Georgetown's location might make landing a job in DC ever-so-slightly easier, as you might hear about a job opening earlier than you would in Charlottesville. ETA: What is the local school? If you really don't...
by Random Poster
Sat Apr 07, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 3881

Re: How often do you replace your office shoes?

I have also gotten about 8 years out of my last two pairs of Ecco's (indoor use mostly). I probably wear them about 150 days/year. They are very durable, but the pair I have had for the past year don't seem as comfortable as previous pairs. I feel the same way about the pair I bought a few months a...
by Random Poster
Fri Apr 06, 2018 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Car was totaled, next steps?
Replies: 18
Views: 969

Re: Car was totaled, next steps?

The insurance company has to replace what you have, not upgrade you. Well, yes, but.....what the OP has, or had, was a known entity. Getting another 2012 Ford Edge with 232,000 miles is not a known entity and fairly entails some risk in regards to how the car has been maintained and driven over the...
by Random Poster
Fri Apr 06, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 3881

Re: How often do you replace your office shoes?

I wear Ecco shoes at work, and walk about a mile to work every day.

My previous pair lasted about 7 years, through 100 degree heat and -30 cold and feet of snow. Towards the end, though, the sole was breaking apart and ripping and the shoes weren't all that comfortable anymore.
by Random Poster
Thu Apr 05, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 59
Views: 4735

Re: Tequila and Magaritas

denovo wrote:
Thu Apr 05, 2018 6:30 pm
I am not a snob, but I think the Costco Margaritas are all right.
Costco use to--and may still--sell a margarita wine. It tasted better than most restaurant margaritas and was a very good value.
by Random Poster
Mon Apr 02, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 55, what's the magic number
Replies: 104
Views: 12730

Re: Retire at 55, what's the magic number

All I can say is there will be a considerable number of people, assuming they follow their own advice, that are going to die with a mountain of assets having woefully underspent. Nothing wrong with that as long as you realize that is what you're doing. And I say this as a 60+ year old that retired ...
by Random Poster
Mon Apr 02, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3573
Views: 1018844

Re: What Movie Have You Recently Watched?

Last Flag Flying, a dramedy by Carell, Cranston and Fishburne from Amazon. I enjoyed Steve Carrell as an actor and have not been disappointed. Politically it might not be everyone's cup of tea. As aside, the human drama and tragedy were handled rather delicately about the death of a son in the Iraq...
by Random Poster
Mon Apr 02, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 11744

Re: Underrated places to visit in U.S.?

Once when I left Yellowstone NP and was traveling east through Cody, I arrived at Buffalo, Wy early in the day. That weekend was the Johnson County Fair and Rodeo http://johnsoncountyfairgrounds.com in Buffalo. I decided on the spur of the moment to attend the Rodeo. Now for $5 that was three hours...