Search found 629 matches

by supersharpie
Tue Jun 12, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11666

Re: Are you including SS in your planning model? Are the benefits really that high?

I have not used social security in any retirement planing model since I began modeling back in my 20s. Like I said, I hadn't spent much time looking at SS and I never include it in my planing. Because, holy crap, if we really do get those types of benefits in 18 years it radically alters my model. ...
by supersharpie
Sun Jun 10, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Best HEPA air purifier for cat allergy sufferer?
Replies: 13
Views: 841

Best HEPA air purifier for cat allergy sufferer?

So, after having a pair of cats for nearly six years I have recently developed an allergy to them. Getting rid of the cats is not an option. I have started researching HEPA air purifiers and it seems like they all have their advocates and detractors. Which unit would you recommend?
by supersharpie
Wed Jun 06, 2018 11:12 am
Forum: Investing - Theory, News & General
Topic: WSJ:Social Security Expected to Dip Into Its Reserves This Year
Replies: 61
Views: 3246

Re: Social Security crossover point has arrived

How should one deal with this news?

Perhaps prepare for the worst case scenario, which is a 21% reduction to your benefits in 2034.
by supersharpie
Thu May 31, 2018 5:08 am
Forum: Investing - Help with Personal Investments
Topic: Should I shift bond allocation from F Fund to G Fund?
Replies: 15
Views: 1102

Should I shift bond allocation from F Fund to G Fund?

Given that the Fed plans to raise interest rates at least two more times this year I am thinking of switching my bond allocation in my TSP account from the F Fund, which seems primed to lose value in the short term, to the G Fund, which guarantees a modest return. I realize that this is market timin...
by supersharpie
Tue May 01, 2018 3:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1450399

Re: U.S. stocks in freefall

. . . We must be getting accustomed to seeing the market drop . . . Thank you Mister Will, good point. The USA investors are at ease because they know that "markets always come back up." The same thing happened in Japan a couple of decades ago, for the Japanese investors a regular market drop was n...
by supersharpie
Tue May 01, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Reached a minor financial milestone this month
Replies: 35
Views: 7549

Re: Reached a minor financial milestone this month

bubbadog wrote:
Tue May 01, 2018 4:16 am
Congrats! Future milestones will come quicker and quicker.
Thanks! Still hoping to reach the two comma club by 40.
by supersharpie
Mon Apr 30, 2018 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: How would you handle a request for money from a niece?
Replies: 89
Views: 7216

Re: How would you handle a request for money from a niece?

Pajamas wrote:
Mon Apr 30, 2018 11:07 pm
supersharpie wrote:
Mon Apr 30, 2018 11:02 pm
90 year old who, statistically, has about two years to live.
Actually about five years statistically.
Regardless...Grams can spend down 10% of assets annually without batting an eye. OP sounds like she has her eyes on Grandma's estate.
by supersharpie
Mon Apr 30, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: How would you handle a request for money from a niece?
Replies: 89
Views: 7216

Re: How would you handle a request for money from a niece?

Personally I would not have spent the time typing all the OP did over $100...But if you do, I can not believe you told your 90 yo mom she had to give up something (suffer) to help her niece...just cruel!! But I guess you felt you needed to teach a 90 yo a valuable life lesson. This occurred to me a...
by supersharpie
Mon Apr 30, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: 3 days in London - must dos?
Replies: 31
Views: 2057

Re: 3 days in London - must dos?

I am traveling to Europe on business in mid-May. I fly to Helsinki, conduct business in Finland, and I'm going to do a stopover in London. I arrive in London on a Thursday morning right at 9:00 AM. I leave on Sunday, early around 11:25 AM. What are my must-do's? I will be traveling alone. I'll be s...
by supersharpie
Mon Apr 30, 2018 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Reached a minor financial milestone this month
Replies: 35
Views: 7549

Re: Reached a minor financial milestone this month

And there it is! We now have over 500k saved for retirement at age 34. It would appear that our aspiration of early retirement by 50 is now attainable but the future, of course, remains unwritten.
by supersharpie
Thu Apr 19, 2018 7:00 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 30572

Re: How old are you and how much do you save for retirement a year

darrvao777 wrote:
Tue Nov 07, 2017 10:38 pm
32 years old, >$500000+ for retirement annually
I think we have a winner!

As for me? My wife and I are 34, we max out our tax advantaged 401k and Roth IRA space which in 2018 is 48k. Our employer's match an extra $5558 so $53,558 total. We have around 500k saved.
by supersharpie
Tue Mar 20, 2018 3:34 am
Forum: Personal Finance (Not Investing)
Topic: Can I Retire at 38?
Replies: 118
Views: 13149

Re: Can I Retire at 38?

Being able to retire at 38 an get a 55k/year pension starting at 55 makes me wonder less about why the pension system in California is going bankrupt. +1. Unsustainable. Federal and state government pensions cannot support future payouts. Don't confuse federal pensions, which are no longer generous...
by supersharpie
Tue Jan 16, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 719
Views: 78175

Re: Hulu, Your Current Favorite Show

We love a ton of British comedies available on Hulu:

Peep Show
Toast of London
The Mighty Boosh
Pramface

are a few of our favorites.
by supersharpie
Mon Dec 04, 2017 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $1,400,000 house
Replies: 93
Views: 10322

Re: Can I afford a $1,400,000 house

Looking to possibly buy a 1.4 million dollar house. We are both in our late 20s, no kids yet but will probably have them in the next 2-3 years. My spouse has a signed contract to make a base of $320k starting August 2018, expects productivity bonus of about $50k/year. Her salary will likely increas...
by supersharpie
Mon Dec 04, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Reached 4M target. Taking money off table. Advice?
Replies: 120
Views: 22082

Re: Reached 4M target. Taking money off table. Advice?

He has 4 million. Thats a 82% success rate over 45 years. At a $160k annual withdrawal rate, just to clarify. Its threads like these that make me wonder why I'm here. Why retire? Retiring actually makes you die sooner, and then if I'm not retired, I won't have to worry about an "only" 82% success r...
by supersharpie
Sat Nov 25, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 30447

Re: Why not take Social Security at 62

You'd want to be very realistic. Where you're 50, you'll take SS at earliest in 2029. In another 5 years, the trust fund is expected to run out of money and drop payments by 25%, so waiting is less of a "no brainer" than it is for other long lived family members who are older. If you're making a sp...
by supersharpie
Mon Aug 14, 2017 3:41 pm
Forum: Investing - Theory, News & General
Topic: Erroneous Vanguard fund prices from 8/11
Replies: 13
Views: 1461

Re: Erroneous Vanguard fund prices from 8/11

I called and was surprised to find that this was not a known problem. The rep initially tried to tell me that there simply had not been a change in value on Friday. However, after I pointed out how improbable that was considering the different compositions of the funds that were all showing a 0.00%...
by supersharpie
Mon Aug 14, 2017 10:59 am
Forum: Investing - Theory, News & General
Topic: Erroneous Vanguard fund prices from 8/11
Replies: 13
Views: 1461

Re: Erroneous Vanguard fund prices from 8/11

I called and was surprised to find that this was not a known problem. The rep initially tried to tell me that there simply had not been a change in value on Friday. However, after I pointed out how improbable that was considering the different compositions of the funds that were all showing a 0.00% ...
by supersharpie
Mon Aug 14, 2017 10:21 am
Forum: Investing - Theory, News & General
Topic: Erroneous Vanguard fund prices from 8/11
Replies: 13
Views: 1461

Re: Erroneous Vanguard fund prices from 8/11

livesoft wrote:
Mon Aug 14, 2017 10:20 am
There is an art to being on hold and doing something else.
This is true.
by supersharpie
Mon Aug 14, 2017 10:18 am
Forum: Investing - Theory, News & General
Topic: Erroneous Vanguard fund prices from 8/11
Replies: 13
Views: 1461

Re: Erroneous Vanguard fund prices from 8/11

livesoft wrote:
Mon Aug 14, 2017 10:16 am
I'm laughing because you obviously have time to post on this forum when instead you could be calling.
It takes 10 seconds to make a post and potentially much longer to stay on hold with VG. They likely are getting plenty of calls from folks who check their returns on a daily basis.
by supersharpie
Mon Aug 14, 2017 10:16 am
Forum: Investing - Theory, News & General
Topic: Erroneous Vanguard fund prices from 8/11
Replies: 13
Views: 1461

Re: Erroneous Vanguard fund prices from 8/11

Links please. I see 6.81% for Wellington: https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=0021#tab=1 5.24% for Wellesley: https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=0027#tab=1 I am not talking about YTD, I am referring to the change in value from COB...
by supersharpie
Mon Aug 14, 2017 9:01 am
Forum: Investing - Theory, News & General
Topic: Erroneous Vanguard fund prices from 8/11
Replies: 13
Views: 1461

Re: Erroneous Vanguard fund prices from 8/11

Links please. I see 6.81% for Wellington: https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=0021#tab=1 5.24% for Wellesley: https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=0027#tab=1 I am not talking about YTD, I am referring to the change in value from COB...
by supersharpie
Mon Aug 14, 2017 8:23 am
Forum: Investing - Theory, News & General
Topic: Erroneous Vanguard fund prices from 8/11
Replies: 13
Views: 1461

Erroneous Vanguard fund prices from 8/11

Has anyone noticed that all of Vanguard's lifecycle funds, as well as Wellesley and Wellington are listed as having returns of 0.00 on 8/11? Given the drastically different compositions of those funds it is highly improbable that this is accurate. Has anyone contacted the company to alert them of th...
by supersharpie
Wed Aug 09, 2017 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Forced Early Retirement - Advice Sought
Replies: 32
Views: 5146

Re: Forced Early Retirement - Advice Sought

Due to a company merger I've been told my IT position has 9 months until my position is no longer available. At 59 and spouse 62 we think this may be a good moment to determine if it is a good opportunity to consider early retirement. We will be 60 and 63 when the last day hits next year. Both are ...
by supersharpie
Tue Jun 27, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: New cars w/ no CD player -- what can I do with my CDs?
Replies: 47
Views: 20178

Re: New cars w/ no CD player -- what can I do with my CDs?

Many new vehicles are not coming with a CD player anymore, at least the ones I've been shopping. I've got bunches of CDs I'd still like to play in the car. Is there anything I can do that's relatively painless to convert my CDs to something else that I can play in a car without a CD player? Just ge...
by supersharpie
Mon Jun 26, 2017 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Can we retire early?
Replies: 18
Views: 4951

Re: Can we retire early?

We would like to retire early and are seeking advice on how to adjust our portfolio to support this goal. As we itemized this per the forum posting template, we realized what a mess our portfolio is - spread all over the place with an aggressive asset allocation that is too heavily concentrated in ...
by supersharpie
Mon May 22, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Travel tips for first time visitors to England and France?
Replies: 55
Views: 6139

Re: Travel tips for first time visitors to England and France?

SrGrumpy wrote:
SrGrumpy wrote: Of course the Stones gigs on October 19 and 22 will be a factor. There is talk of a 3rd gig.
Confirmed. Oct. 25.
Excellent, that should help depress ticket prices for 10/19 on the secondary market. I could not bring myself to get up at 4:00 AM when they went on sale Friday.
by supersharpie
Sun May 14, 2017 10:21 pm
Forum: Personal Consumer Issues
Topic: Travel tips for first time visitors to England and France?
Replies: 55
Views: 6139

Re: Travel tips for first time visitors to England and France?

Thanks all for the tips.! I think we will be spending a lot of time with Rick Steves over the next few months as we prepare! We did alter our itinerary slightly to add one extra night to London at the start of the trip and subtract one night from our stay in Paris. Now it is: 3 nights London 6 night...
by supersharpie
Sun May 14, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 48157

Re: Regret early retirement/downsizing

Different people are different. If I had had the money, I could have happily retired at age 24. I'm a creative person who can write, make music, pursue publishing and countless other projects. I don't get my energy or motivation from social situations or other people. I don't need or want validatio...
by supersharpie
Thu May 11, 2017 10:29 am
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 22772

Re: Why save so much for when you're old?

Hi, I'm 24 yrs old and almost one year into my actuarial career (first real job). I expect to make good money in the future and have started investing since I was hired. My question is why is saving a lot for retirement so important? I get that we need money for when we're retired and no longer hav...
by supersharpie
Thu May 11, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Travel tips for first time visitors to England and France?
Replies: 55
Views: 6139

Re: Travel tips for first time visitors to England and France?

Be cognizant of any bans that may be in place. I'm reading they may likely be banning laptops on flights from Europe to the US in the near future. This is the sort of thing that would have me stranded at the airport with laptop in hand :( From what I read yesterday this appears to be go? Packing la...
by supersharpie
Wed May 10, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Travel tips for first time visitors to England and France?
Replies: 55
Views: 6139

Re: Travel tips for first time visitors to England and France?

Be cognizant of any bans that may be in place. I'm reading they may likely be banning laptops on flights from Europe to the US in the near future. This is the sort of thing that would have me stranded at the airport with laptop in hand :( I think the ban they are discussing would still allow you to...
by supersharpie
Wed May 10, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Travel tips for first time visitors to England and France?
Replies: 55
Views: 6139

Travel tips for first time visitors to England and France?

Hey all, My wife is graduating from her MBA program next month and to celebrate we are taking a two week trip to England and France in October. We plan to take a red-eye from the east coast to London on a Friday and fly home two Fridays later. At this point we have very few concrete plans in place. ...
by supersharpie
Mon Feb 20, 2017 11:16 pm
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 9799

Which puppy to buy: golden retriever or labrador retriever?

Our corgi died from cancer at the age of 10 in early November. My wife, after initially indicating she wanted to wait several years before welcoming a new pup to the household, has changed course abruptly and now wants to buy one this year. We already have two cats so we are wary of shelter pups as ...
by supersharpie
Mon Feb 06, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: 2.875% mortgage pay-off financially justifiable?
Replies: 64
Views: 11177

Re: 2.875% mortgage pay-off financially justifiable?

I paid off a 3.25% mortgage early. Sure, you *might* make more money investing the money in stocks, but you might not. Why borrow and pay any amount of interest if you don't have to? Ding ding ding, we have a winner. However, chances are very good that you will make far more money by investing vs p...
by supersharpie
Sun Jan 22, 2017 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: SS Survivor Benefits for 62 male. Spouse died at 61
Replies: 8
Views: 1166

Re: SS Survivor Benefits for 62 male. Spouse died at 61

My condolences. Your father can file immediately. Survivors may begin collecting benefits the month they turn 60, regardless of the DOB of their spouse.
by supersharpie
Fri Jan 13, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Explaining impact of front loads and fees on returns to sister
Replies: 20
Views: 1637

Re: Explaining impact of front loads and fees on returns to sister

mhalley wrote:These are the fees for the fund. Does the advisor charge any fees on top of these?
Good question, I asked her to inquire w/ the advisor.
by supersharpie
Fri Jan 13, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Explaining impact of front loads and fees on returns to sister
Replies: 20
Views: 1637

Re: Explaining impact of front loads and fees on returns to sister

This is much appreciated. I don't want to get overly involved in her affairs; she is a bright adult. However, I do want to enhance her level of financial literacy. She apparently has been operating under the assumption that the advisor has been providing his services for a miniscule flat fee. She al...
by supersharpie
Fri Jan 13, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Explaining impact of front loads and fees on returns to sister
Replies: 20
Views: 1637

Re: Explaining impact of front loads and fees on returns to sister

My sister has been investing for several years but has taken a hands off approach to this point. She presently has an advisor/broker handling her Roth IRA to which she is contributing $100 a month. All of her Roth investments are in ABALX. Based on my research this carries a 5.75% front load and a ...
by supersharpie
Fri Jan 13, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Explaining impact of front loads and fees on returns to sister
Replies: 20
Views: 1637

Explaining impact of front loads and fees on returns to sister

My sister has been investing for several years but has taken a hands off approach to this point. She presently has an advisor/broker handling her Roth IRA to which she is contributing $100 a month. All of her Roth investments are in ABALX. Based on my research this carries a 5.75% front load and a 0...
by supersharpie
Mon Oct 10, 2016 5:32 pm
Forum: Personal Consumer Issues
Topic: packaged food expired best buy dates
Replies: 57
Views: 4420

Re: packaged food expired best buy dates

My wife looks at all these dates on various products. She buys Distilled water for her CPAP machine. That's fine, since minerals in other kind of water would not be good for the machine. Last year, at one point, she told me that she needed another gallon of distilled water because the jug she had h...
by supersharpie
Thu Sep 15, 2016 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Will Medicare take away my Social Security?
Replies: 18
Views: 2660

Re: Will Medicare take away my Social Security?

OP, you failed to do your research. Medicare Part B premiums were $88.50 in 2006 so they have increased a grand total of $33.30/month over the past decade.

The sky is not falling.
by supersharpie
Mon Aug 29, 2016 4:59 pm
Forum: Personal Consumer Issues
Topic: Upcoming Road Trip Restaurant Recommendations
Replies: 23
Views: 2771

Re: Upcoming Road Trip Restaurant Recommendations

In Philly, go to the Reading Terminal Market, every single day if you can. My hotel in Philly is right by the Reading Terminal Market! Will definitely check it out. Definitely treat yourselves to some Beiler's doughnuts, especially the cream filled versions. Do not be intimidated buy the line, it m...
by supersharpie
Fri Aug 19, 2016 5:14 am
Forum: Personal Finance (Not Investing)
Topic: What is 4 more years of work worth? (Retirement Question)
Replies: 38
Views: 4836

Re: What is 4 more years of work worth? (Retirement Question)

I have the opposite reaction to those above. Keep working. Every year they work is a year they do not draw on their savings. Every year adds to their portfolio. Every year working puts them in better financial shape than they would have been without the earned income. Someone mentioned giving up th...
by supersharpie
Thu Aug 11, 2016 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Federal Couple - Financial Independence? Early Retirement?
Replies: 18
Views: 3464

Re: Federal Couple - Financial Independence? Early Retirement?

Depending on your agency you may qualify under VERA for an unreduced pension at any age with 25 years of service or age 50 with 20 years of service. I am turning 33 next month, have nine years of federal employment, and work for an agency that offers VERA retirements on an annual basis. My plan is t...
by supersharpie
Mon Feb 29, 2016 7:21 am
Forum: Personal Consumer Issues
Topic: Watching Oscars with kids
Replies: 34
Views: 3880

Re: Watching Oscars with kids

I did not want to watch the Oscars with my family expecting that the language will not be appropriate for my 11 year old daughter. But she insisted to watch saying that everyone in the school tomorrow would be talking about it and she would be left out if she didn't watch. So we had watched for hou...
by supersharpie
Mon Feb 22, 2016 5:07 am
Forum: Personal Finance (Not Investing)
Topic: Planning for financial future of special needs son
Replies: 20
Views: 2442

Re: Planning for financial future of special needs son

Once you or your wife start collecting Social Security your son can apply for a Childhood Disability Benefit which is equivalent to 50% of your full retirement age retirement benefit. Your own benefit will not be reduced if he is approved. This is different from the SSI program that takes into accou...
by supersharpie
Sat Feb 13, 2016 9:35 am
Forum: Investing - Theory, News & General
Topic: Was today's rally temporary?
Replies: 29
Views: 4845

Re: Was today's rally temporary?

Kelli28 wrote:think S&P will hit 1800 by March?
It's already at 1865.
by supersharpie
Sun Feb 07, 2016 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Can a minor child sue former guardians for theft once they turn 18
Replies: 24
Views: 3564

Re: Can a minor child sue former guardians for theft once they turn 18

I am confused. OP is asking about whether she/he can sue, and says he can't afford an attorney. Yet at the same time, the OP refers to testimony taken from the grandfather in numerous depositions. How can you have depositions without some kind of litigation / court action? I think OP lost her legal...
by supersharpie
Sun Feb 07, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Can a minor child sue former guardians for theft once they turn 18
Replies: 24
Views: 3564

Re: Can a minor child sue former guardians for theft once they turn 18

Twins Fan wrote:Could be... she's trying a different angle to get advice?
Perhaps, Mom also may be trying to force the child into a legal battle he or she doesn't want to fight. Hopefully the poster can provide a reasonable explanation.