Search found 169 matches
- Thu Jan 21, 2021 11:58 am
- Forum: Personal Investments
- Topic: So you hit your number. Now what?
- Replies: 73
- Views: 7450
So you hit your number. Now what?
So you've hit your number prior to your anticipated retirement age. From a positioning perspective, do you immediately shift to an ultra conservative strategy in an effort to stay at or above said number until you finally shut it down or do you continue to plow ahead with your current portfolio? I'm...
- Sat Jan 09, 2021 7:03 pm
- Forum: Personal Finance (Not Investing)
- Topic: What are your Lean FIRE, FIRE, and Fat FIRE numbers?
- Replies: 213
- Views: 16062
Re: What are your Lean FIRE, FIRE, and Fat FIRE numbers?
You can list your yearly spend at lean, fire and fat fire, but there will be intense disagreements on what kind of nest egg you need. And no one knows because no one knows the future. Shoot for fat fire assuming 3.5-4% swr and adjust to fire or lean if things go bad is my approach. I like this appr...
- Wed Dec 16, 2020 7:40 pm
- Forum: Investing - Theory, News & General
- Topic: Can anyone reach Vanguard on the phone?
- Replies: 166
- Views: 11523
Re: Can anyone reach Vanguard on the phone?
Nobody should put up with service like that where you call for days and can't get through. Vote with your feet and leave. That's really beyond the pale. And people seem to have this idea that any of the "other" places are just full of conartists that want to steal your money. So what are ...
- Wed Dec 16, 2020 7:38 pm
- Forum: Investing - Theory, News & General
- Topic: Can anyone reach Vanguard on the phone?
- Replies: 166
- Views: 11523
- Wed Dec 16, 2020 3:40 pm
- Forum: Investing - Theory, News & General
- Topic: Can anyone reach Vanguard on the phone?
- Replies: 166
- Views: 11523
Re: Can anyone reach Vanguard on the phone?
Currently on hold. Wait time has been advertised as 20-30 minutes.
- Thu Nov 26, 2020 2:03 pm
- Forum: Personal Finance (Not Investing)
- Topic: How much money do you want to retire?
- Replies: 1367
- Views: 183157
Re: How much money do you want to retire?
This was a tweet from Rick Ferri a few month back Goals for Retirees based on 385 clients < $2M - not run out of money 2-5M - live comfy, travel, tax efficiency 5-10M -live, comfy, travel, tax eff, legacy for heirs, charity, low tax >10M - philanthropy, legacy for heirs and low tax when asked about...
- Fri Nov 13, 2020 12:31 am
- Forum: Personal Consumer Issues
- Topic: Google Photos
- Replies: 56
- Views: 4123
Re: Google Photos
Amazon has a pretty good cloud photo service as well for Prime members. Don’t forget it as an alternative. I wonder if there is a way to easily get one’s collection of Google Photos transferred to Amazon Photos which doesn’t involve downloading to a hard drive and then uploading to the Amazon cloud?
- Fri Jul 24, 2020 6:25 pm
- Forum: Personal Finance (Not Investing)
- Topic: Housing strategy in retirement?
- Replies: 8
- Views: 791
Housing strategy in retirement?
Reading the currently active thread on the pros and cons of owning a big home got me thinking about the couple who retires without children or other heirs. What’s the strategy to pursue concerning place of residence in retirement? Simply rent for the rest of ballgame? Buy a home and pursue a reverse...
- Fri Jan 17, 2020 4:48 pm
- Forum: Investing - Theory, News & General
- Topic: Year 2000 retirees using the '4% rule' - Where are they now?
- Replies: 780
- Views: 116135
Re: Year 2000 retirees using the '4% rule' - Where are they now?
If you have 25 times expenses without considering social security income that should give a good buffer, if you hit several years of down markets right? (Even if SS gets cut by 20% in the future).. Absolutely. Depends on your expenses of course... If you spend $300,000 a year, SS isn't going to hel...
- Mon Nov 11, 2019 8:20 am
- Forum: Personal Finance (Not Investing)
- Topic: I think my friend is already financially independent (through a fantastic bitcoin investment), can you confirm?
- Replies: 49
- Views: 7402
Re: I think my friend is already financially independent (through a fantastic bitcoin investment), can you confirm?
What are the specifics behind $5K health care annually? My FIRE timing could be accelerated if this were the guaranteed max exposure of this expense.
- Sat Nov 02, 2019 10:47 pm
- Forum: Personal Consumer Issues
- Topic: Networking Equipment Question
- Replies: 12
- Views: 958
Re: Networking Equipment Question
If I understand your setup correctly you would run an Ethernet cable from your Orbi router to a switch in the office from where your devices are located. I have a similar setup with the Google Wifi system and don’t require a second router. Out of curiosity do the Orbi satellite units have backhaul c...
- Thu Oct 24, 2019 1:49 pm
- Forum: Personal Finance (Not Investing)
- Topic: Sanity check on PPO vs HDHP
- Replies: 32
- Views: 3616
Re: Sanity check on PPO vs HDHP
How do prescription drugs factor into both plans? For the HDHP, prescription drugs count towards the deductible and out of pocket maximum. For the PPO, it's a separate deductible and out of pocket maximum. You have a good plan then as many of the HSA Plans have a separate Out-of-Pocket Maximum for ...
- Wed Oct 23, 2019 11:14 pm
- Forum: Personal Finance (Not Investing)
- Topic: Sanity check on PPO vs HDHP
- Replies: 32
- Views: 3616
Re: Sanity check on PPO vs HDHP
How do prescription drugs factor into both plans?
- Fri Aug 30, 2019 4:27 pm
- Forum: Personal Finance (Not Investing)
- Topic: Another round of annual LTD coverage increases?
- Replies: 1
- Views: 243
Another round of annual LTD coverage increases?
Six years ago I purchased a private LTD policy and annually there was an opportunity to increase the monthly coverage for a modest premium increase. This rider has expired and, in order, to re-initiate this rider for six more years I would need to again go through the application process. This inclu...
- Wed Aug 07, 2019 11:30 pm
- Forum: Personal Consumer Issues
- Topic: wifi router, too many options!
- Replies: 41
- Views: 3486
Re: wifi router, too many options!
For Ethernet backhaul a switch behind the main Google Wifi router also works well.
- Thu Aug 01, 2019 5:32 pm
- Forum: Personal Consumer Issues
- Topic: Acura RDX vs Audi Q5
- Replies: 98
- Views: 11265
- Sat Jun 08, 2019 4:10 pm
- Forum: Personal Consumer Issues
- Topic: iPad for notetaking with stylus
- Replies: 10
- Views: 1014
Re: iPad for notetaking with stylus
Evernote.
- Sat May 18, 2019 10:30 pm
- Forum: Personal Consumer Issues
- Topic: Guidance on choosing between UMich and Brown
- Replies: 102
- Views: 6794
Re: Guidance on choosing between UMich and Brown
In the most recent WSJ college rankings, the Ivies placed seven of their eight institutions in the Top 11. Dartmouth was #17.
- Sat Apr 20, 2019 6:40 pm
- Forum: Personal Finance (Not Investing)
- Topic: Where do you keep your emergency fund?
- Replies: 99
- Views: 13857
Re: Where do you keep your emergency fund?
- Sat Apr 20, 2019 6:18 pm
- Forum: Personal Finance (Not Investing)
- Topic: Where do you keep your emergency fund?
- Replies: 99
- Views: 13857
- Tue Apr 16, 2019 9:26 pm
- Forum: Personal Finance (Not Investing)
- Topic: Anyone Having Trouble with PNC?
- Replies: 21
- Views: 4377
Re: Anyone Having Trouble with PNC?
I've received this email three or so times over the past couple of months. I assumed it was a result of Personal Capital fouling something up as it periodically updated its aggregating information but now I'm not so sure. Each time I've gone through the process of setting up a new password and got b...
- Sat Apr 13, 2019 9:02 am
- Forum: Personal Consumer Issues
- Topic: Are Airport Lounges Worth the Money?
- Replies: 95
- Views: 9457
Re: Are Airport Lounges Worth the Money?
+1 on the CSR card, even for domestic/ economy travel. Priority Pass offers free meals at restaurants as well as lounges. For instance, our home airport is IAH. At IAH my wife and I have the choice of two restaurants (Cadillac Mexican Kitchen & Bar - Terminal A, Landry's Seafood, Terminal C) an...
- Sat Mar 23, 2019 6:51 am
- Forum: Personal Consumer Issues
- Topic: DirecTv Now changes
- Replies: 32
- Views: 2886
Re: DirecTv Now changes
It seems Philo is a nice relatively inexpensive complement to You Tube TV for channels YTTV doesn’t currently offer.
- Sat Mar 09, 2019 8:29 pm
- Forum: Personal Finance (Not Investing)
- Topic: Variable Percentage Withdrawal (VPW-adv) for Advanced Users
- Replies: 52
- Views: 10185
Re: Variable Percentage Withdrawal (VPW-adv) for Advanced Users
Wow. Great tool. Just stumbled onto this and have spent the past hour digesting and analyzing. I believe this, coupled with FIRECalc, are the only two retirement assessment tools one might need in terms of deciding "how much is enough" and "is it ok to retire"? Not sure that I a...
- Sun Feb 24, 2019 9:33 pm
- Forum: Personal Consumer Issues
- Topic: Is Hyundai the value sweet spot?
- Replies: 139
- Views: 16333
Re: Is Hyundai the value sweet spot?
So I'm curious- as the Genesis brand is the luxury Hyundai brand, is the "upgrade" on par with what Toyota has done over the years with the Lexus?
- Tue Feb 19, 2019 12:01 am
- Forum: Investing - Theory, News & General
- Topic: Year 2000 retirees using the '4% rule' - Where are they now?
- Replies: 780
- Views: 116135
Re: Year 2000 retirees using the '4% rule' - Where are they now?
So for one who might be considering a 35 year retirement horizon and wanted to wind up with $0 left at endgame, what % rule might be considered? It seems the vast majority of scenarios utilizing the 4% rule or less results in a large chunk of change remaining. I guess a SPIA would be the ultimate ap...
- Sun Feb 17, 2019 10:41 pm
- Forum: Investing - Theory, News & General
- Topic: Year 2000 retirees using the '4% rule' - Where are they now?
- Replies: 780
- Views: 116135
Re: Year 2000 retirees using the '4% rule' - Where are they now?
I should make this my new signature. It's not about a rigid withdrawal strategy... It's the rough goal for financial independence. Once you hit 25x expenses, you're in pretty good shape. Wouldn't the more accurate multiplier take into account SS and pension streams? I understand for most FIRE membe...
- Sun Feb 17, 2019 6:11 pm
- Forum: Investing - Theory, News & General
- Topic: Year 2000 retirees using the '4% rule' - Where are they now?
- Replies: 780
- Views: 116135
Re: Year 2000 retirees using the '4% rule' - Where are they now?
I should make this my new signature. It's not about a rigid withdrawal strategy... It's the rough goal for financial independence. Once you hit 25x expenses, you're in pretty good shape. Wouldn't the more accurate multiplier take into account SS and pension streams? I understand for most FIRE membe...
- Sun Feb 17, 2019 5:32 pm
- Forum: Personal Finance (Not Investing)
- Topic: Vanguard Tax 2018 Forms Now Online
- Replies: 65
- Views: 5721
Re: Vanguard Tax 2018 Forms Now Online
Glad I happened to notice this thread as I completed my tax returns yesterday and, fortunately, thought best to hold off e-filing for a couple of weeks in case there were any updates to the software. I hadn't realized my consolidated 1099 from Vanguard wasn't comprehensive and the second account the...
- Fri Feb 08, 2019 8:03 am
- Forum: Personal Finance (Not Investing)
- Topic: Is the MBA degree market saturated?
- Replies: 39
- Views: 4280
Re: Is the MBA degree market saturated?
As the number of providers of such degrees has increased over the years the comparative value of an MBA from a Top 30 program has only grown. Often times this can become a tiebreaker with respect to garnering an interview and an MBA from one of the elite schools carries much more weight than one fro...
- Sat Feb 02, 2019 11:55 pm
- Forum: Personal Finance (Not Investing)
- Topic: Variable Percentage Withdrawal (VPW-adv) for Advanced Users
- Replies: 52
- Views: 10185
Re: Variable Percentage Withdrawal (VPW-adv) for Advanced Users
Wow. Great tool. Just stumbled onto this and have spent the past hour digesting and analyzing.
I believe this, coupled with FIRECalc, are the only two retirement assessment tools one might need in terms of deciding "how much is enough" and "is it ok to retire"?
I believe this, coupled with FIRECalc, are the only two retirement assessment tools one might need in terms of deciding "how much is enough" and "is it ok to retire"?
- Thu Jan 31, 2019 9:13 pm
- Forum: Personal Consumer Issues
- Topic: Regular Gas in a car requiring Premium Gas (Lexus LS)
- Replies: 23
- Views: 5354
Re: Regular Gas in a car requiring Premium Gas (Lexus LS)
You'll probably experience a slight drop in fuel economy.
- Thu Jan 31, 2019 6:54 pm
- Forum: Personal Finance (Not Investing)
- Topic: Were you 100% debt free at retirement
- Replies: 163
- Views: 12410
Re: Were you 100% debt free at retirement -- NO
Bogleheads: Pat and I took out a low-interest 30-year mortgage loan in our early 80s. We put the money into two Single Premium Immediate Annuities (SPIAs). The idea was (and still is) that we would rather spend the money than have it tied-up in our home. We put the money into two SPIAs which guaran...
- Thu Jan 31, 2019 1:17 pm
- Forum: Personal Finance (Not Investing)
- Topic: Were you 100% debt free at retirement
- Replies: 163
- Views: 12410
- Thu Dec 27, 2018 2:09 am
- Forum: Personal Consumer Issues
- Topic: AT&T Landline - what's considered "Long Distance"
- Replies: 22
- Views: 1568
Re: AT&T Landline - what's considered "Long Distance"
Ooma has been working great for me; and call quality is better than when I had a landline. I have no idea how this company makes money. I pay like $5/month. And those of us who have been Ooma customers since early on in their history actually pay nothing per month (no monthly fee, no taxes, zilch).
- Mon Nov 19, 2018 7:45 pm
- Forum: Personal Finance (Not Investing)
- Topic: Please help me decide on HDHP or PPO? And am I missing anything?
- Replies: 10
- Views: 1233
Re: Please help me decide on HDHP or PPO? And am I missing anything?
Is there a difference in how prescriptions are handled? In some HDHPs, there is a higher out-of-pocket maximum for prescription drugs and the PPO-type co-pay doesn't usually commence until the full medical deductible is satisfied. Depending on one's familial needs, this could be a factor in the deci...
- Mon Oct 29, 2018 9:50 pm
- Forum: Personal Consumer Issues
- Topic: Does your Capital One 360 reimburse international ATM?
- Replies: 43
- Views: 4801
Re: Does your Capital One 360 reimburse international ATM?
My usage of it overseas a couple of months ago resulted in reimbursed ATM fees as well as no international usage fee (unlike the Fidelity Cash Management card). That's has not been my experience... I was in London last week and pulled 200£ at Heathrow via Fidelity Cash Management. I've already been...
- Thu Sep 20, 2018 11:13 pm
- Forum: Personal Consumer Issues
- Topic: Does your Capital One 360 reimburse international ATM?
- Replies: 43
- Views: 4801
Re: Does your Capital One 360 reimburse international ATM?
My usage of it overseas a couple of months ago resulted in reimbursed ATM fees as well as no international usage fee (unlike the Fidelity Cash Management card).
- Fri Aug 31, 2018 6:11 pm
- Forum: Personal Finance (Not Investing)
- Topic: Fidelity Rewards Visa Card
- Replies: 86
- Views: 14936
Re: Fidelity Rewards Visa Card
I like the Fidelity Rewards Visa Card . But it seem like I am only getting 1.5 points for every dollar I spend (1.5% cash back) instead of the 2 points (2% cash back) advertised. Points from statement https://flic.kr/p/29fD5JP points according to advertisement https://flic.kr/p/Nvr9iu I seem to rec...
- Fri Jun 29, 2018 11:39 pm
- Forum: Personal Consumer Issues
- Topic: Vacation- home precautions?
- Replies: 39
- Views: 5653
Vacation- home precautions?
For a week away from home, what precautions do you take? I normally shut off the water to my washer, bump up the thermostat, have a neighbor check mail/deliveries, and leave a light or two on. What else is recommended?
- Sun Apr 29, 2018 9:36 am
- Forum: Personal Consumer Issues
- Topic: can't login to vanguard this a.m.
- Replies: 17
- Views: 5590
Re: can't login to vanguard this a.m.
Same problem here. "Too many redirects". Typical Vanguard.
I'll note I tried three different browsers- one of which I've never used with the Vanguard site.
I'll note I tried three different browsers- one of which I've never used with the Vanguard site.
- Wed Mar 28, 2018 10:58 pm
- Forum: Personal Finance (Not Investing)
- Topic: Pay Off Mortgage with Windfall?
- Replies: 57
- Views: 8665
Re: Pay Off Mortgage with Windfall?
The majority of responses suggest paying it off. Is there a lower interest rate level where- at or below- it might be prudent to, instead, keep the mortgage?
- Thu Mar 22, 2018 12:29 pm
- Forum: Personal Investments
- Topic: Technical issues with Vanguard
- Replies: 14
- Views: 1840
Re: Technical issues with Vanguard
They botched a simple Roth recharacterization of mine a couple of years ago and it took them months to finally rectify. I was so turned off after experiencing their struggles on such an elementary transaction I considered parting ways and adding to my Fidelity holdings. I never pulled that trigger b...
- Sat Mar 10, 2018 5:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: What was your % pay raise?
- Replies: 179
- Views: 22745
Re: What was your % pay raise?
3% raise, 30.4% bonus (formulaic based primarily on profits).
- Fri Jan 19, 2018 7:08 pm
- Forum: Investing - Theory, News & General
- Topic: Year 2000 retirees using the '4% rule' - Where are they now?
- Replies: 780
- Views: 116135
Re: Year 2000 retirees using the '4% rule' - Where are they now?
IMHO, anything less than a 3% WR is overly conservative for anyone aside from those interested in leaving behind a larger portfolio for their heirs, charity, etc. than they started with. That being said, here it is. The nominal ending balance in 2017 would have been $1,798,773, which would have bee...
- Tue Jan 09, 2018 11:39 am
- Forum: Investing - Theory, News & General
- Topic: Year 2000 retirees using the '4% rule' - Where are they now?
- Replies: 780
- Views: 116135
Re: Year 2000 retirees using the '4% rule' - Where are they now?
Great post. This reinforces 4 things to me in my particular financial situation (others may be different), that I need to keep in mind going forward. 1. Keep SPIA's on the option table. 2. 25X is not enough, maybe not even close going forward (I don't have a pension or very many alternate income st...
- Sat Jan 06, 2018 6:11 pm
- Forum: Personal Investments
- Topic: stay with old employer 401k with fees or rollover to a Vangaurd account tIRA?
- Replies: 20
- Views: 1889
Re: stay with old employer 401k with fees or rollover to a Vangaurd account tIRA?
For years and years, I used to automatically say roll it over, but I've recently changed my tune on this. The expenses you cite are not exorbitant for a 401k plan, and by rolling it over to a tIRA, you potentially make a backdoor Roth contribution much more costly in the future. I made this mistake...
- Mon Nov 13, 2017 11:40 pm
- Forum: Personal Consumer Issues
- Topic: Keurig died...what now?
- Replies: 73
- Views: 7711
Keurig died...what now?
My wife’s Keurig bit the dust recently. She likes the K-Cup concept and I understand there are options beyond Keurig that could utilize this format. Looking for thoughts on whether to stay with the Keurig brand or go with another? I’d value reliability/durability greater than simply looking for the ...
- Sun Oct 29, 2017 11:05 pm
- Forum: Personal Consumer Issues
- Topic: Sunscreen: use it all the time? (And what's a good one w/o sting?)
- Replies: 58
- Views: 5768
Re: Sunscreen: use it all the time? (And what's a good one w/o sting?)
Furthermore, exposure to UV radiation is cumulative; unfortunately most of our sun damage comes when we're <20 (myself included). So, if one were >50, how much help would embracing a consistent sunscreen application program actually provide if the majority of the damage is already done and has been...
- Sat Oct 07, 2017 9:17 pm
- Forum: Personal Consumer Issues
- Topic: Chrome vs Firefox
- Replies: 34
- Views: 6639
Re: Chrome vs Firefox
I've been using Vivaldi for a period of time and find I use it most often on my Win10 machine. There are many features built into the browser and I find their tab stacking feature indispensable. It's built from the Chromium core and its code is updated frequently. As it relates to FF, the new versio...