Search found 732 matches

by supersharpie
Fri May 29, 2020 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: northern Delaware versus southern NJ for retirement
Replies: 27
Views: 1989

Re: northern Delaware versus southern NJ for retirement

I have been thinking about moving to southern NJ somewhere near the NJ Turnpike/I-295 or possibly to northern Delaware. I would much prefer new construction 55+ communities. Targeting summer 2021. What are the pros and cons of one versus the other? . Why not the beach communities in southern Delawa...
by supersharpie
Tue May 26, 2020 6:46 pm
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 69
Views: 5248

Re: Anyone screwed up timing the market?

Me too brother! Bogleheads aren´t born, they are made. Yup, I was never a true Boglehead in that I persisted in seasonally investing my 401k for the first 10 years I was maxing out my contributions...because it worked so well in the prior 25 years vs what the S&P 500 returned (we are talking about ...
by supersharpie
Tue May 26, 2020 6:35 pm
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 69
Views: 5248

Re: Anyone screwed up timing the market?

I got out in march, saw the market drop further and then rise, rise, rise and now, if the market doesn´t come down again, I have missed the boat :oops: Anyone else who learned not to time the market? Me too brother! I moved my 401k holdings to cash within a few percentage points of the bottom. Than...
by supersharpie
Tue May 26, 2020 3:24 pm
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 69
Views: 5248

Re: Anyone screwed up timing the market?

I got out in march, saw the market drop further and then rise, rise, rise and now, if the market doesn´t come down again, I have missed the boat :oops: Anyone else who learned not to time the market? Me too brother! I moved my 401k holdings to cash within a few percentage points of the bottom. Than...
by supersharpie
Thu Feb 20, 2020 8:55 pm
Forum: Investing - Theory, News & General
Topic: 4% SWR: It is not a rule and it is not safe (anymore).
Replies: 273
Views: 18841

Re: 4% SWR: It is not a rule and it is not safe (anymore).

As I have been posting for a while, attracting all kind of criticism, in an environment characterized by historically extremely low bond yields, all the rather empirical arguments in defense of a sustainable 4% withdrawal kind of go out of the window. In order to support total portfolio yield one w...
by supersharpie
Sat Feb 15, 2020 1:29 pm
Forum: Personal Consumer Issues
Topic: What's the best thing you've bought on Amazon for <$150?
Replies: 51
Views: 4764

Re: What's the best thing you've bought on Amazon for <$150?

A light therapy machine. Truly pulled a loved out of a very dark place last winter. It was an extreme case of SAD, to the point that hospitalization seemed to be on the horizon.
by supersharpie
Sat Feb 15, 2020 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Entry-Level Jobs with Pensions - What companies still offer pensions these days?
Replies: 155
Views: 12327

Re: Entry-Level Jobs with Pensions - What companies still offer pensions these days?

State Farm offers a pension to all employees except for agents.

1.3% of your average "high 5" salary per year of service, capped at 35 years. Although "retirement age" is officially 65 for new hires, you can take it at 62 without a reduction.

The pension is not adjusted for inflation.
by supersharpie
Sat Feb 15, 2020 10:20 am
Forum: Personal Consumer Issues
Topic: Costco for tires and batteries
Replies: 38
Views: 2428

Re: Costco for tires and batteries

We are considering a Costco membership just for car batteries and tires, at least to start. My dealership wants $180 for a battery, including installation. Costco is $77 for an Interstate battery and I am sure I can install it myself. Are their Interstate batteries going to last 4 years like my ori...
by supersharpie
Fri Feb 14, 2020 8:05 pm
Forum: Personal Consumer Issues
Topic: Best car tires to buy and best place to buy them?
Replies: 17
Views: 1585

Re: Best car tires to buy and best place to buy them?

bob60014 wrote:
Fri Feb 14, 2020 8:01 pm
Make, model and year of vehicle would help.
2012 Mazda 3i
by supersharpie
Fri Feb 14, 2020 7:48 pm
Forum: Personal Consumer Issues
Topic: Best car tires to buy and best place to buy them?
Replies: 17
Views: 1585

Best car tires to buy and best place to buy them?

Need to replace all four for the first time in years. Eying options in the 60k to 100k mileage range. Being a Boglehead I am looking the best bang for my buck. Any suggestions? FYI - I live in the mid-Atlantic where we generally have mild winters so I am going the all weather route. Looking for ones...
by supersharpie
Wed Feb 12, 2020 7:55 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128976

Re: Coronavirus (Consumer Issues) How you are preparing?

We have a number of threads on Coronavirus, but I want this one to specifically focus on consumer issues and how you are preparing. The way I see it, risk of infection is not the same as risk of quarantine; or to put things even more broadly, risk of weathering the effects of quarantine. I do not n...
by supersharpie
Wed Feb 05, 2020 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Couples w/ kids: What is/was the most expensive time period of your life?
Replies: 145
Views: 11986

Re: Couples w/ kids: What is/was the most expensive time period of your life?

As a childfree individual, I admire those of you who choose to devote such a large percentage of your income to raising the next generation.

The costs are absolutely obscene in the US.
by supersharpie
Mon Jan 20, 2020 1:42 pm
Forum: Personal Investments
Topic: Scared Stiff to retire
Replies: 91
Views: 12746

Re: Scared Stiff to retire

Are you sure it will be $4k/mon.? I think the age 70 max in 2018 was $3698/mo. but that might be close enough for estimating. I checked the SS website before I posted. OK so it $3945 SS website assumes you continue to work until your full age. There is another option where you have to enter expecte...
by supersharpie
Sun Jan 19, 2020 3:43 pm
Forum: Personal Investments
Topic: Scared Stiff to retire
Replies: 91
Views: 12746

Re: Scared Stiff to retire

Zso wrote:
Sun Jan 19, 2020 2:29 pm
4nursebee wrote:
Sun Jan 19, 2020 2:19 pm
Yeah, not enough info here
SS and pension info needed.
Not a lot of comfort room without those.
No pensions just the 401K and 403B
SS will be 4k at 70 for me and 1500 for the missus at 62.
So, Social Security will cover your monthly expenses. What in the world are you worried about?
by supersharpie
Wed Jan 15, 2020 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Can we retire?
Replies: 120
Views: 11300

Re: Can we retire?

Those expenses are too high especially for "modest and frugal" lifestyle in a LCOL area. You must have a different understanding of these terms. Are either one of you a sole proprietor or have real estate maintenance expenses that you are writing off? Otherwise, why? I would worry about health insu...
by supersharpie
Sun Jan 12, 2020 9:16 am
Forum: Personal Consumer Issues
Topic: Trip to NYC/Broadway
Replies: 55
Views: 2983

Re: Trip to NYC/Broadway

Stay at an Airbnb in either Greenwich Village or Chelsea, the two best neighborhoods in NYC IMHO. You are going to get way more bang for your buck than a tiny hotel room in Disneyfied Times Square. Heck, I would avoid Times Square entirely unless cheesy tourist traps happens to be your bag. We would...
by supersharpie
Wed Jan 08, 2020 5:00 pm
Forum: Personal Investments
Topic: I don't want to save too much.
Replies: 96
Views: 8264

Re: I don't want to save too much.

ohai wrote:
Wed Jan 08, 2020 2:32 pm
$5 million only seems like a lot now because you only have $1 million. When you have $5 million, you will want $10 million.
Eh, everyone is different.
by supersharpie
Fri Jan 03, 2020 12:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18832
Views: 2631943

Re: U.S. stocks in free fall

Stef wrote:
Fri Jan 03, 2020 12:01 pm
Image
https://www.newyorkfed.org/medialibrary ... ob_Rec.pdf

2nd false positive signal of yield curve inversion in history or the next big crash this year?
The former.
by supersharpie
Fri Jan 03, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: Latest updates driving from New Hampshire to Clearwater
Replies: 39
Views: 3250

Re: Latest updates driving from New Hampshire to Clearwater

I would just plug the destination into Google Maps on my phone and let it decide in real-time to avoid accidents, unexpected traffic, roadwork, etc. Bingo, with Google Maps and Waze available for free I don't know why anyone bothers to plan their routes in advance any longer. Probably just old habi...
by supersharpie
Fri Jan 03, 2020 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Spousal Social Security Question
Replies: 2
Views: 409

Re: Spousal Social Security Question

My wife turns 66 Aug 7 2020. We plan for her to take her Social security benefit then. I was born 12/11/1952 and wondered if I could take a restricted spousal benefit on her 900 per month. I plan to start taking my benefit at 70. At that time we plan for her to apply for a spousal benefit from my e...
by supersharpie
Mon Dec 30, 2019 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Why hasn't IRS published 2020 mileage rates yet?
Replies: 7
Views: 924

Re: Why hasn't IRS published 2020 mileage rates yet?

They aren't applicable until you file your 2020 return. the earliest you could do that is late January, 2021. Plenty of time. Most if not all companies base their personal mileage reimbursement on the mileage rate. At least one year my employer had to retroactively adjusted to the new rate. Bingo, ...
by supersharpie
Mon Dec 30, 2019 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Why hasn't IRS published 2020 mileage rates yet?
Replies: 7
Views: 924

Why hasn't IRS published 2020 mileage rates yet?

Last year this info was released on December 14. Why the delay? 2020 starts in two days!
by supersharpie
Sun Dec 29, 2019 11:37 am
Forum: Personal Consumer Issues
Topic: Has anyone done Whole 30? [Diet]
Replies: 141
Views: 5801

Re: Has anyone done Whole 30?

You know New Years Day is approaching when threads like this pop up :D
by supersharpie
Thu Dec 19, 2019 1:19 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 896
Views: 149925

Re: High Earners - What's Your Profession?

MillennialFinance19 wrote:
Wed Dec 18, 2019 1:18 pm
Federal employee, wife is a school teacher. We also invest in real estate on the side. Gross, we're anywhere from $180k-220k annually.
Don’t know whether that really qualifies as “high earnings” but we are in the same boat. Combined gross earnings of 180k, normally over 200k thanks to OT.
by supersharpie
Mon Dec 16, 2019 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Medigap, Medicare advantage
Replies: 29
Views: 1391

Re: Medigap, Medicare advantage

If you have the means to pay for a Medigap plan, that seems like the far superior option. You have much more control over your healthcare with Medigap. You can get an appointment with any doctor in the country accepting new Medicare patients, without a referral and with 100% of your OOP expenses cov...
by supersharpie
Fri Dec 13, 2019 1:51 pm
Forum: Personal Investments
Topic: WWYD? - advice needed. 41 yr old in VHCOL, FIRE? thinking of leaving high stress job.
Replies: 54
Views: 4324

Re: WWYD? - advice needed. 41 yr old in VHCOL, FIRE? thinking of leaving high stress job.

I work in a VHCOl area, in a lucrative but high-stress profession with lots of nights, weekends, and firedrills that have been adversely impacting my health (Insomnia, sleep aids etc.) I'm 41, SINK, mostly because of the demands of the job. I've paid down my mortgage aggressively and estimate that ...
by supersharpie
Fri Dec 13, 2019 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: New research on when to claim SS
Replies: 73
Views: 8454

Re: New research on when to claim SS

Some of you have not read the 2019 Social Security Trustees report that was released on April 22 and are quoting outdated or erroneous info concerning the health of the trust funds. Here are the facts: 1. The trust funds are fully funded through 2034. 2. FICA taxes alone will fund an 80% payout (not...
by supersharpie
Wed Dec 04, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Best Albums of 2019
Replies: 41
Views: 4063

Re: Best Albums of 2019

The National - I Am Easy To Find

Is my favorite of the year. I will post more picks later.
by supersharpie
Tue Dec 03, 2019 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: How not to feel poor...
Replies: 78
Views: 13010

Re: How not to feel poor...

All terrific advice, many gems to put to use. And thanks to those who have take such time and effort to respond. Memory serves that the last time I ran the numbers on social security, we were each in the mid to upper $2,000 a month range, but we're not quite at the finish line yet. We have both bee...
by supersharpie
Tue Nov 12, 2019 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Homebuying in Los Angeles - Advice Needed
Replies: 77
Views: 8219

Re: Homebuying in Los Angeles - Advice Needed

HEDGEFUNDIE wrote:
Tue Nov 12, 2019 7:21 am
Not sure why people are saying $5k rent on $1.25M is a steal.

By my calculations, PITI on a $1M mortgage is only $6k.

Buying is the steal.
Usually rent is higher than PITI, which is why 5k is a “steal” in relative terms.
by supersharpie
Tue Nov 05, 2019 11:30 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1411
Views: 190450

Re: Post your Financial Milestone Announcements Here

Wife and I hit 600k in our retirement funds on Friday. Goal has been 1M by 40. I'm 36, she is 35. We shall see.
by supersharpie
Tue Nov 05, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 64
Views: 6686

Re: Airbnb - Guide a beginner

Although an old thread, beginners may still be reading it. I found this article pointing out some dangers of Airbnb. https://www.vice.com/en_us/article/43k7z3/nationwide-fake-host-scam-on-airbnb People getting called at the last minute and being offered an alternate place. The alternate place ends ...
by supersharpie
Tue Nov 05, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 64
Views: 6686

Re: Airbnb - Guide a beginner

Have used Airbnb once and it was a terrible experience. We needed space for extended family for my son's wedding, which was held in a semi-rural area. Instead of booking several hotel rooms I found a house through Airbnb. We arrived late at night after a long day of flying and driving to find a hou...
by supersharpie
Tue Nov 05, 2019 2:28 am
Forum: Personal Finance (Not Investing)
Topic: New Job, Depressed, Money issues
Replies: 89
Views: 12532

Re: New Job, Depressed, Money issues

BusterMcTaco wrote:
Tue Nov 05, 2019 2:22 am
Also, the National Suicide Prevention Lifeline in case you need it:

Call 1-800-273-8255
Available 24 hours everyday

http://www.suicidepreventionlifeline.org/
+1
by supersharpie
Tue Nov 05, 2019 2:17 am
Forum: Personal Finance (Not Investing)
Topic: New Job, Depressed, Money issues
Replies: 89
Views: 12532

Re: New Job, Depressed, Money issues

OP, no you can’t take a two week hiatus from your brand new job to “try out” the other one. That’s magical thinking and a sign that you are in desperation mode. From the outside looking in it appears like the current job is a terrible fit for you and, depending on one’s interpretation of your prior ...
by supersharpie
Wed Oct 30, 2019 4:32 am
Forum: Personal Investments
Topic: 529/son got accepted to medical school whahoooo!
Replies: 53
Views: 8630

Re: 529/son got accepted to medical school whahoooo!

Wiggums wrote:
Tue Oct 29, 2019 4:44 pm
OP has not logged on in quite awhile
He just posted in this thread on 10/26.
by supersharpie
Mon Oct 21, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Beach City / Town in Florida
Replies: 64
Views: 8053

Re: Beach City / Town in Florida

manuvns wrote:
Thu Sep 05, 2019 2:54 pm
Tampa Bay area or Jacksonville not pretentious like Miami or dead like Naples
Jacksonville seemed very run down when I visited it last March.
by supersharpie
Mon Oct 21, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: My husband says I can retire. Is he right?
Replies: 45
Views: 6466

Re: My husband says I can retire. Is he right?

Looking for some advice from the combined wisdom here. I'm 58 and my husband is 50. My job is extremely stressful, and I'd love to retire. My husband tells me we're in great shape financially, and I can quit today. Is he right? We don't keep a budget, but we have a joint account that pays all our b...
by supersharpie
Sat Oct 19, 2019 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 9782

Re: Humana Part D - ILLINOIS - premiums up up up

I'm on East coast and the Part D plan did increase over 100 percent for 2020. When I called all I got was condenscending replies and nothing else. Will be cancelling it on Oct 15th and moving into Medicare Advantage with Part D included and no monthly premium for entire plan. It gets its funding fr...
by supersharpie
Fri Oct 18, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: Preparing for 25% tariff on Scotch
Replies: 64
Views: 7188

Re: Preparing for 25% tariff on Scotch

I don’t like Scotch but did purchase a few bottles of champagne in preparation for the tariff.
by supersharpie
Fri Oct 18, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Preparing for 25% tariff on Scotch
Replies: 64
Views: 7188

Re: Preparing for 25% tariff on Scotch

I would buy some. It is a tremendous opportunity, maybe not, the tariffs could get worse, or not at all. Would be a bigly thing, it would be huge, the best thing that you ever do. That is a lot of money, but you are a BH and probably have a lot of money anyway from the huge run up in the markets th...
by supersharpie
Fri Oct 18, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: Turks & Caicos on a budget??
Replies: 14
Views: 2868

Re: Turks & Caicos on a budget??

Turks and Caicos is very expensive especially accommodation. We spent a few days there in February and our one-bedroom condo on the beach cost $900 a night, and it's not even a fancy or all-inclusive resort meaning we had to pay for our own foods. But the beach ... OMG! TravelforFun Keep in mind th...
by supersharpie
Fri Oct 18, 2019 10:44 am
Forum: Personal Investments
Topic: social security 'extra security' feature?
Replies: 25
Views: 2338

Re: social security 'extra security' feature?

They send you a letter to your house with a code that you enter. It proves that not only can you answer all of the questions asked during regular registration, it proves you also live at the address Social Security has on file for you. Thanks, was aware of the USPS code, though, "that" is the featu...
by supersharpie
Fri Oct 18, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Fed Workers Prep for Budget Delays
Replies: 18
Views: 2319

Re: Fed Workers Prep for Budget Delays

OP - we are heading into a presidential election year. There is essentially no risk of a shutdown over the next 13 months. The politicians aren’t going to want to piss off millions of voters heading into the elections.
by supersharpie
Fri Oct 18, 2019 10:18 am
Forum: Personal Investments
Topic: social security 'extra security' feature?
Replies: 25
Views: 2338

Re: social security 'extra security' feature?

It adds about an extra 40 seconds to my log in time. Based on the fact that I access my social security account once every year or so, it’s no big deal. As sophisticated as on line identity theft has become, I welcome the extra layer of security. If my password is ever compromised, without access t...
by supersharpie
Fri Oct 18, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Turks & Caicos on a budget??
Replies: 14
Views: 2868

Re: Turks & Caicos on a budget??

Saw a great deal on flights to Turks and Caicos, and quickly pulled the trigger...before realizing pricing for food and lodging. We can pull it off either way, but I like to travel on a budget. Any recommendations for lodging and meals or activities that can be had at a fair price? My one caveat is...
by supersharpie
Thu Oct 17, 2019 6:51 pm
Forum: Personal Investments
Topic: social security 'extra security' feature?
Replies: 25
Views: 2338

Re: social security 'extra security' feature?

It adds about an extra 40 seconds to my log in time. Based on the fact that I access my social security account once every year or so, it’s no big deal. As sophisticated as on line identity theft has become, I welcome the extra layer of security. If my password is ever compromised, without access t...
by supersharpie
Thu Oct 17, 2019 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Social Security survivors benefits
Replies: 3
Views: 415

Re: Social Security survivors benefits

The benefit rate is equivalent to what you would have received if you filed to begin retirement benefits in the month of death. However, the rate will be reduced if your wife files for it prior to her full retirement age. If she files for it at the earliest possible date, which is her 60th birth mon...
by supersharpie
Wed Oct 16, 2019 5:50 pm
Forum: Personal Consumer Issues
Topic: Good camera system to watch the nanny
Replies: 70
Views: 4931

Re: Good camera system to watch the babysitter

I agree with most of the prior responses – if you feel you need a camera to monitor your babysitter, your task should be to find someone you can trust, not a camera. As someone who did a lot of babysitting as a teenager, I would not have worked for a family who had cameras. "I would not have worked...
by supersharpie
Wed Oct 16, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: Good camera system to watch the nanny
Replies: 70
Views: 4931

Re: Good camera system to watch the babysitter

runner3081 wrote:
Wed Oct 16, 2019 12:49 pm
I read the title and chuckled a bit. I get what you are going for, but it looks creepy!
Same!!! :D